ESPECIALLY IN CONSUMER LOANS ACCORDİNG TO CPL 4/6 RESPONSIBILITY OF THE AVALIST, WHICH ASSURES IN FAVOR OF THE CONSUMER

Temel Güner

Makale detayları

ESPECIALLY IN CONSUMER LOANS ACCORDİNG TO CPL 4/6 RESPONSIBILITY OF THE AVALIST, WHICH ASSURES IN FAVOR OF THE CONSUMER

Yazarlar:

Temel Güner

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Hukuk

Dergi:

Ankara Hacı Bayram Veli Üniversitesi Hukuk Fakültesi Dergisi Vol.27 Issue 4, pp.233-263

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001303572

pISSN:

2651-4141

Anahtar kelimeler:

Özet:

 According to article 45 of the Law on the Protection of the Consumer CPL, only registered deed can be issued for consumer transactions. If a promissory note or bearer security is issued, they are invalid for the consumer. However, no clear regulation has been made as to whether the invalidity is an absolute or relative defence. In addition, it is stipulated in the article 46 of CPL that the personal guarantees given in favor of the consumer will be considered ordinary guarantee under all circumstances. However, no clear provision has been made on whether or not the aval can be considered as a ordinary guarantee. In our study, invalidity for the consumer of thepromissory note or bearer security issued by consumer and whether the aval given in favor of the consumer will be considered as ordinary guarantee is examined.

 According to article 45 of the Law on the Protection of the Consumer CPL, only registered deed can be issued for consumer transactions. If a promissory note or bearer security is issued, they are invalid for the consumer. However, no clear regulation has been made as to whether the invalidity is an absolute or relative defence. In addition, it is stipulated in the article 46 of CPL that the personal guarantees given in favor of the consumer will be considered ordinary guarantee under all circumstances. However, no clear provision has been made on whether or not the aval can be considered as a ordinary guarantee. In our study, invalidity for the consumer of thepromissory note or bearer security issued by consumer and whether the aval given in favor of the consumer will be considered as ordinary guarantee is examined.

 According to article 45 of the Law on the Protection of the Consumer CPL, only registered deed can be issued for consumer transactions. If a promissory note or bearer security is issued, they are invalid for the consumer. However, no clear regulation has been made as to whether the invalidity is an absolute or relative defence. In addition, it is stipulated in the article 46 of CPL that the personal guarantees given in favor of the consumer will be considered ordinary guarantee under all circumstances. However, no clear provision has been made on whether or not the aval can be considered as a ordinary guarantee. In our study, invalidity for the consumer of thepromissory note or bearer security issued by consumer and whether the aval given in favor of the consumer will be considered as ordinary guarantee is examined.

 Tüketicinin Korunması Hakkında Kanun TKHK m. 45 hükmünde tüketici işlemleri nedeniyle sadece nama yazılı senet düzenlenebileceği, emre veya hamile yazılı senet düzenlenirse senedin tüketici bakımından geçersiz olacağı öngörülmüştür. Ancak emre veya hamiline yazılı senedin tüketici bakımından geçersizliğinin bir mutlak defi mi yoksa nispi defi mi olduğu konusunda açık bir düzenleme yapılmamıştır. Ayrıca TKHK m. 46 hükmünde tüketici lehine verilen şahsi teminatların her ne isim altında olursa olsun adi kefalet sayılacağı öngörülmüş ancak avalin bu kapsamda değerlendirilip değerlendirilmeyeceği konusunda açık bir düzenleme yapılmamıştır. Çalışmamızda tüketici tarafından düzenlenen emre veya hamile yazılı senetlerin tüketici bakımından geçersizliği ile tüketici lehine verilen avalin adi kefalet sayılıp sayılmayacağı konuları birbiriyle ilişkilendirilerek incelenmektedir.

Makale detayları

ESPECIALLY IN CONSUMER LOANS ACCORDİNG TO CPL 4/6 RESPONSIBILITY OF THE AVALIST, WHICH ASSURES IN FAVOR OF THE CONSUMER

Yazarlar:

Temel Güner

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Hukuk

Dergi:

Ankara Hacı Bayram Veli Üniversitesi Hukuk Fakültesi Dergisi Vol.27 Issue 4, pp.233-263

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001303572

pISSN:

2651-4141

Consumer Loan

Registired Negotiable Instruments

Order Negotiable Instrument

Ordinary Guarantee

AvalTüketici Kredisi

Nama Yazılı Senet

Emre Yazılı Senet

Adi Kefalet

Aval

Sayı

Makale detayları

Yazarlar: Temel Güner

Yayıncı: Ankara Hacı Bayram Veli University

Ana Başlıklar: Hukuk

Dergi: Ankara Hacı Bayram Veli Üniversitesi Hukuk Fakültesi Dergisi Vol.27 Issue 4, pp.233-263

Belge Tipi: Makale

Yayın Tarihi: 10/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001303572

pISSN: 2651-4141

Sayı

Yazarlar:

Temel Güner

Yayıncı:

Ankara Hacı Bayram Veli University

Ana Başlıklar:

Hukuk

Dergi:

Ankara Hacı Bayram Veli Üniversitesi Hukuk Fakültesi Dergisi Vol.27 Issue 4, pp.233-263

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001303572

pISSN:

2651-4141