עדכוני חקיקה ופסיקה

בנק הפועל באופן חד צדדי בחשבון ללא מתן התראה ללקוח עלול להיחשב כפועל בניגוד לחובות הבנקאיות

11 ספטמבר 2023

הדפסה

פורסם ב אפיק משפטי 397 04.10.2023

סניף בנק בהוד השרון נקט בפעולות חד צדדיות של משיכת כספים והגבלת חשבון לקוחה ללא כל בירור מוקדם וללא חריגה בחשבונה, זאת על סמך ראיון טלוויזיוני אשר נערך עימה.

בית המשפט קיבל את התביעה וקבע כי פעולות הבנק היוו הפרה של החובות הבנקאיות כלפי הלקוח. בנק מחויב לנהוג בתום לב כלפי לקוחותיו. בתוך כך, על הבנק חובה ליתן הודעה לבעל החשבון בטרם נקיטת כל פעולה חד צדדית של פירעון חיובים, אשראי, הלוואות והחשבון, למעט במצבי קיצון. כאן, הבנק העמיד לפירעון מיידי הלוואה שנטלה הלקוחה ומשך לחשבונו כספים מחשבונה של הלקוחה. בנוסף, הבנק ביטל הלוואות והמחאות. פעולות הבנק נעשו באופן חד צדדי וללא התראה מוקדמת, והכל רק בעקבות ראיון טלוויזיוני בערוץ 10 במסגרתו רואיינה על מצבה הכספי. למרות שהלקוחה לא הייתה ביתרת חובה ולא הייתה אינדיקציה לכך שהלקוחה לא תעמוד בפירעון ההלוואה במלואה ובמועדה, הבנק לא טרח לפנות ללקוחה ולא ביצע בירור עמה בטרם ביצוע פעולות החד צדדיות בחשבונה. בכך, הפר הבנק את חובותיו כלפי הלקוחה ולכן יפצה את הלקוחה.

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