{"id":1205,"date":"2026-11-03T11:54:47","date_gmt":"2026-11-03T08:54:47","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1205"},"modified":"2026-11-03T11:54:47","modified_gmt":"2026-11-03T08:54:47","slug":"yanlis-tasinmaza-dask-duzenleyen-banka-haksiz-bulundu","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1205","title":{"rendered":"Yanl\u0131\u015f ta\u015f\u0131nmaza DASK\u00a0d\u00fczenleyen banka haks\u0131z bulundu"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Kayseri\u2019de Kocasinan T\u00fcketici Hakem Heyeti, m\u00fc\u015fterisinin bilgisi d\u0131\u015f\u0131nda ba\u015fka bir ta\u015f\u0131nmaz ad\u0131na DASK poli\u00e7esi d\u00fczenleyip hesab\u0131ndan prim kesintisi yapan bankay\u0131 kusurlu bularak tahsil edilen tutar\u0131n iadesine h\u00fckmetti.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kayseri\u2019de <strong>Kocasinan T\u00fcketici Hakem Heyeti<\/strong>, m\u00fc\u015fterinin bilgisi d\u0131\u015f\u0131nda ba\u015fka bir ta\u015f\u0131nmaz i\u00e7in <strong>Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK)<\/strong> poli\u00e7esi d\u00fczenleyip hesab\u0131ndan prim kesintisi yapan bankay\u0131 kusurlu bularak, tahsil edilen 1703 lira 5 kuru\u015fluk poli\u00e7e bedelinin t\u00fcketiciye iadesine karar verdi.<\/p>\n<p class=\"wp-block-paragraph\">Merkeze ba\u011fl\u0131 Kocasinan il\u00e7esinde ya\u015fayan E.E, ikamet etti\u011fi ve maliki oldu\u011fu daire i\u00e7in bir sigorta \u015firketinden ge\u00e7erli DASK poli\u00e7esi yapt\u0131rd\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Ancak \u015fikayet edilen banka taraf\u0131ndan bilgisi d\u0131\u015f\u0131nda ayn\u0131 apartmanda bulunan ba\u015fka bir daire i\u00e7in de DASK poli\u00e7esi tanzim edilerek hesab\u0131ndan 1703 lira 5 kuru\u015f kesildi\u011fini fark eden E.E, bankan\u0131n m\u00fc\u015fteri hizmetlerini arayarak durumu bildirdi.<\/p>\n<p class=\"wp-block-paragraph\">Bankadan, paray\u0131 ilgili daireden istemesi gerekti\u011fi cevab\u0131n\u0131 alan E.E, ma\u011fduriyetinin giderilmesi i\u00e7in Kocasinan \u0130l\u00e7e T\u00fcketici Hakem Heyetine ba\u015fvurdu.<\/p>\n<p class=\"wp-block-paragraph\">Banka, ba\u015fvuruyu inceleyen heyete yapt\u0131\u011f\u0131 savunmada, sistemlerindeki UAVT kodu (DASK adres kodu) do\u011frultusunda yenileme yap\u0131ld\u0131\u011f\u0131n\u0131, sadece arac\u0131 kurum, acente olarak hareket ettiklerini ve tahsil edilen primin sigorta \u015firketine aktar\u0131ld\u0131\u011f\u0131n\u0131 belirterek haks\u0131z ba\u015fvurunun reddini talep etti.<\/p>\n<p class=\"wp-block-paragraph\">6502 say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun\u2019un ilgili maddeleri kapsam\u0131nda inceleme yapan heyet, t\u00fcketicinin ikamet etti\u011fi ve sahibi oldu\u011fu ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm\u00fcn farkl\u0131 bir daire oldu\u011funu, \u015fikayet edilen bankan\u0131n acentelik faaliyeti kapsam\u0131nda gerekli \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirmeyerek t\u00fcketicinin m\u00fclkiyetinde olmayan ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm i\u00e7in poli\u00e7e tanzim etti\u011fini tespit etti.<\/p>\n<p class=\"wp-block-paragraph\">Bankan\u0131n kendi sisteminden ve operasyonel hatas\u0131ndan kaynaklanan bu i\u015flemi \u201cay\u0131pl\u0131 hizmet\u201d niteli\u011finde de\u011ferlendirerek t\u00fcketiciyi hakl\u0131 bulan heyet, yanl\u0131\u015f adrese tanzim edilen DASK poli\u00e7esi nedeniyle E.E\u2019den tahsil edilen 1703 lira 5 kuru\u015f prim bedelinin banka taraf\u0131ndan t\u00fcketiciye iade edilmesine karar verdi.<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"855\" height=\"570\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/11\/DASKK-855x570.webp\" alt=\"\" class=\"wp-image-133697\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>\u201cBurada t\u00fcketicinin ma\u011fduriyeti olu\u015fuyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>T\u00fcketiciler Birli\u011fi Genel Ba\u015fkan\u0131 Mahmut \u015eahin<\/strong>, DASK poli\u00e7elerinin d\u00fczenlenmesi s\u0131ras\u0131nda yap\u0131lan hatalar\u0131n t\u00fcketicileri ma\u011fdur edebildi\u011fini, poli\u00e7e ve \u00f6deme belgelerinin mutlaka saklanmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">\u015eahin, nakit \u00f6demelerde makbuz al\u0131nmas\u0131, banka \u00fczerinden yap\u0131lan \u00f6demelerde ise i\u015flem kay\u0131tlar\u0131n\u0131n saklanmas\u0131n\u0131n olas\u0131 uyu\u015fmazl\u0131klarda t\u00fcketicilerin haklar\u0131n\u0131 aramas\u0131n\u0131 kolayla\u015ft\u0131raca\u011f\u0131n\u0131 dile getirdi.<\/p>\n<p class=\"wp-block-paragraph\">S\u00f6z konusu olayda kaymakaml\u0131k b\u00fcnyesindeki T\u00fcketici Hakem Heyetinin, hatal\u0131 i\u015flem nedeniyle t\u00fcketicinin zarar\u0131n\u0131n giderilmesi ve \u00f6dedi\u011fi \u00fccretin banka taraf\u0131ndan iade edilmesi y\u00f6n\u00fcnde karar verdi\u011fini ifade eden \u015eahin, bankalar\u0131n ve sigorta acentelerinin i\u015flem s\u00fcre\u00e7lerinde daha dikkatli davranmas\u0131 gerekti\u011fini belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Yanl\u0131\u015f d\u00fczenlenen poli\u00e7elerin yaln\u0131zca maddi kay\u0131pla s\u0131n\u0131rl\u0131 kalmayabilece\u011fini vurgulayan \u015eahin, \u015f\u00f6yle konu\u015ftu: \u201cT\u00fcketici bunu fark etmedi ve Allah korusun bir felaket oldu. Bu deprem olur ya da benzer birtak\u0131m \u015feyler, t\u00fcketici zarar g\u00f6rd\u00fc. Depremden dolay\u0131 ma\u011fdur oldu ve \u2018DASK\u2019\u0131m var\u2019 diye g\u00fcven i\u00e7erisindeyken asl\u0131nda kendisine DASK yap\u0131lmad\u0131\u011f\u0131n\u0131, ba\u015fka bir eve yap\u0131ld\u0131\u011f\u0131n\u0131 \u00f6\u011frendi. Buradaki zarar ne olacak, kim kar\u015f\u0131layacak? Telafisi m\u00fcmk\u00fcn olmayan zararlar diye tabir etti\u011fimiz k\u0131sma giriyor bu. Kald\u0131 ki t\u00fcketicinin \u00f6demeyi yapt\u0131\u011f\u0131 belli, sigortay\u0131 kendi ad\u0131na yapt\u0131rd\u0131\u011f\u0131 belli fakat sigorta \u015firketinin, acentenin ya da bankan\u0131n bunu yanl\u0131\u015f yapmas\u0131ndan dolay\u0131 o zarar\u0131n\u0131 da bankadan tahsil edecek ya da sigorta \u015firketinden. Burada t\u00fcketicinin ma\u011fduriyeti olu\u015fuyor. Ay\u0131pl\u0131 hizmet olarak bunu kabul ediyoruz fakat beraberinde t\u00fcketicinin talebi olmadan yap\u0131lan bir i\u015flem, haks\u0131z bir i\u015flem, yetkisiz bir i\u015flem ve t\u00fcketicinin ma\u011fdur olmas\u0131na sebep oldu\u011fu i\u00e7in de bu i\u015flemin haks\u0131z i\u015flem bab\u0131nda de\u011ferlendirilip t\u00fcketiciden habersiz yap\u0131ld\u0131\u011f\u0131nda yine t\u00fcketiciye zarar verme durumunun tazmin edilmesi gerekir.\u201d<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fyanlis-tasinmaza-dask-duzenleyen-banka-haksiz-bulundu%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Kayseri\u2019de Kocasinan T\u00fcketici Hakem Heyeti, m\u00fc\u015fterisinin bilgisi d\u0131\u015f\u0131nda ba\u015fka bir ta\u015f\u0131nmaz ad\u0131na DASK poli\u00e7esi d\u00fczenleyip hesab\u0131ndan prim kesintisi yapan bankay\u0131 kusurlu bularak tahsil edilen tutar\u0131n iadesine h\u00fckmetti. Kayseri\u2019de Kocasinan T\u00fcketici Hakem Heyeti, m\u00fc\u015fterinin bilgisi d\u0131\u015f\u0131nda ba\u015fka bir ta\u015f\u0131nmaz i\u00e7in Do\u011fal<\/p>\n","protected":false},"author":1,"featured_media":1206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1205","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1205"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1205\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/1206"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}