{"id":40017,"date":"2015-06-14T21:43:27","date_gmt":"2015-06-14T18:43:27","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=40017"},"modified":"2015-06-14T23:04:04","modified_gmt":"2015-06-14T20:04:04","slug":"ziraat-neden-para-odemiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ziraat-neden-para-odemiyor\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Ziraat neden para \u00f6demiyor?"},"content":{"rendered":"<p><em><strong>Malumunuz bankalar\u0131n kulland\u0131rd\u0131\u011f\u0131 kredilerde, t\u00fcketicilere dosya ve komisyon masraflar\u0131n\u0131n geri \u00f6denmesi karar\u0131 al\u0131nd\u0131. Bir\u00e7ok t\u00fcketici de hakk\u0131n\u0131 kullanmak ad\u0131na, ilgili bankaya ba\u015fvurdu.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1273041303\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>S\u00fcre\u00e7 i\u00e7inde incelemelerin ard\u0131ndan da olaylar \u00f6deme \u015feklinde sonu\u00e7 buldu. Bir\u00e7ok bankan\u0131n prosed\u00fcr tamamland\u0131ktan sonra, baz\u0131lar\u0131n\u0131n \u00f6nce direndi\u011fini, baz\u0131lar\u0131n\u0131n da direnmeden \u00f6demeyi yapt\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fck. \u015e\u00fcphesiz bunlar i\u00e7inde de t\u00fcketicinin \u00f6deme alamad\u0131klar\u0131 varsa, onlara da bakmak gerekir.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat gelen \u015fikayetlerin a\u011f\u0131rl\u0131\u011f\u0131na bakt\u0131\u011f\u0131m\u0131zda bir bankan\u0131n ad\u0131 \u00f6ne \u00e7\u0131k\u0131yor. Yaz\u0131k ki bu da bir kamu bankas\u0131&#8230; Gerek gelen telefonlardan, gerek bizzat durumunu anlatanlardan, gerekse de internet \u00fczerinden sorunu dile getirenlerden bakt\u0131\u011f\u0131m\u0131zda garip bir durum ortaya \u00e7\u0131k\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Ziraat Bankas\u0131\u2019n\u0131n \u00f6demelerinde ciddi bir sorun var. Uygulama ilk g\u00fcndeme geldi\u011finde banka Genel M\u00fcd\u00fcr\u00fc ve ayn\u0131 zamanda T\u00fcrkiye Bankalar Birli\u011fi H\u00fcseyin Ayd\u0131n \u00f6demelerin hemen yap\u0131laca\u011f\u0131n\u0131 s\u00f6yledi. Lakin ge\u00e7en s\u00fcrede \u00e7ok say\u0131da ma\u011fdur ortaya \u00e7\u0131kt\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>H\u00fcseyin Ayd\u0131n, ge\u00e7ti\u011fimiz g\u00fcnlerde EGD\u2019nin Ekonomi Bas\u0131n\u0131 \u00d6d\u00fcl T\u00f6reni\u2019nde konu\u015furken, bankac\u0131l\u0131\u011f\u0131m\u0131z\u0131n ne kadar g\u00fc\u00e7l\u00fc ve kredilendirebilir oldu\u011funun \u00fczerinde durdu. \u00d6yle mi de\u011fil mi, tart\u0131\u015fmal\u0131 da olsa bu Say\u0131n Ayd\u0131n\u2019\u0131n d\u00fc\u015f\u00fcncesidir; ama adalet terazisi \u015fa\u015fmaz.<\/p>\n<p>&nbsp;<\/p>\n<p>E\u011fer size ba\u015fvuran insanlara, gerekli prosed\u00fcrleri tamamlam\u0131\u015f ve hak kazanm\u0131\u015f m\u00fc\u015fterilerinize \u00f6deme yapmaktan ka\u00e7\u0131n\u0131yorsan\u0131z; bunun i\u00e7in \u00e7e\u015fitli bahanelerin ard\u0131na s\u0131\u011f\u0131n\u0131yorsan\u0131z konu\u015fmalar\u0131n da bir anlam\u0131 kalm\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>T\u00fcketici bankaya g\u00f6t\u00fcr\u00fcp, hak etti\u011fini belirten evrak\u0131 veriyor; vezne fotokopisini \u00e7ekiyor akabinde de genel m\u00fcd\u00fcrl\u00fc\u011fe g\u00f6nderiliyor. \u0130\u015fte as\u0131l s\u00fcre\u00e7 ondan sonra ba\u015fl\u0131yor. 2 ay ile 4 ay aras\u0131nda bekleyenlere bizzat \u015fahit oldum. Ayr\u0131ca bu insanlar sadece beklemi\u015f de\u011filler; halen \u00f6deme almam\u0131\u015flar.<\/p>\n<p>&nbsp;<\/p>\n<p>\u0130nternetten yapt\u0131\u011f\u0131m t\u00fcketici \u015fik\u00e2yetleri ara\u015ft\u0131rmas\u0131nda \u00e7ok daha uzun s\u00fcre bekleyenlerin oldu\u011funa da \u015fahit oldum. Bekleyenlerin \u00e7ift\u00e7i olmamas\u0131 ise ayr\u0131 bir tart\u0131\u015fma konusu.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-168439697\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>Asl\u0131nda bir\u00e7ok bankada sorun ya\u015fan\u0131yor; ama a\u011f\u0131rl\u0131kl\u0131 sorunlar ayn\u0131 adreste toplan\u0131nca ve o banka da se\u00e7im \u00f6ncesi k\u00f6yl\u00fcy\u00fc unutup; \u00fczerine vazife olmayan i\u015flere kredi verip, akabinde de bunu kime y\u00f6nelik oldu\u011fu belli olmayan reklam malzemesi yap\u0131nca dikkat \u00e7ekiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Sonu\u00e7ta ortada yasal d\u00fczenlemenin ard\u0131ndan kazan\u0131lm\u0131\u015f bir hak var. Bunu \u00f6deyeceksiniz. \u2018S\u0131raya koyduk\u2019 diye bir bahaneyle insanlar\u0131 aylarca bekletemezsiniz.<\/p>\n<p>&nbsp;<\/p>\n<p>E\u011fer bu \u00fcst y\u00f6netimin g\u00f6z\u00fcnden ka\u00e7an bir konuysa duruma el koysunlar. Ziraat\u2019in y\u00f6netiminin bu i\u015fe m\u00fcdahale etmesi gerekiyor. Yok, bilgileri dahilinde bir konu ise, yapt\u0131klar\u0131 bu i\u015flemin gerek\u00e7esini, kendilerine ait de\u011fil, mak\u00fbl gerek\u00e7elerle kamuoyuna a\u00e7\u0131klas\u0131nlar. \u00c7\u00fcnk\u00fc i\u015fin tad\u0131 ka\u00e7m\u0131\u015f vaziyette.<\/p>\n<p>&nbsp;<\/p>\n<p>Sonra topland\u0131\u011f\u0131nda bu kadar b\u00fcy\u00fck mebla\u011flar \u00f6demesi geciktirilince \u2018para nerede kullan\u0131l\u0131yor\u2019 diye ba\u015fka bir soru g\u00fcndeme gelir. Kimsenin yan\u0131na yakla\u015fmad\u0131\u011f\u0131 projelere, bat\u0131k AVM\u2019lere verilecek krediniz varsa, bu \u00f6demeyi de yap\u0131n.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-479495556\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>Peki t\u00fcketici ne yapacak? Hangi banka olursa olsun; alacak hakk\u0131 kazand\u0131ysan\u0131z t\u00fcketici hakem heyetlerinden \u00f6nerilen \u015fu: Alaca\u011f\u0131n\u0131z\u0131 direkt icraya koyun.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Malumunuz bankalar\u0131n kulland\u0131rd\u0131\u011f\u0131 kredilerde, t\u00fcketicilere dosya ve komisyon masraflar\u0131n\u0131n geri \u00f6denmesi karar\u0131 al\u0131nd\u0131. Bir\u00e7ok t\u00fcketici de hakk\u0131n\u0131 kullanmak ad\u0131na, ilgili bankaya ba\u015fvurdu. &nbsp; S\u00fcre\u00e7 i\u00e7inde&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[904,808,801],"class_list":["post-40017","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/40017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=40017"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/40017\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=40017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=40017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=40017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}