עדכוני חקיקה ופסיקה

בהעדר סיבה סבירה חלה על בנק חובה להעניק אשראי ללקוח

09 ינואר 2025

הדפסה

פורסם ב אפיק משפטי 431 22.01.2025

אדם מבוגר הגיע בלוויית נכדו לסניף הבנק בו מתנהל חשבונו לצורך בקשה לקבלת ערבות בנקאית. הבנק סירב לבקשתו ואף ביטל את כרטיס האשראי שהיה בידו בשל מחסור בביטחונות מספקים ומכיוון שהיה קושי לתקשר עמו ונראה היה שהוא לא מבין את משמעות ביצוע הפעולה.

בית המשפט דחה את התביעה וקבע, כי הבנק פעל באופן סביר. החוק קובע, כי במתן אשראי הבנק חייב להעריך את מצבו של הלקוח בתום לב ובדרך המקובלת, אגב נקיטת אמצעי זהירות סבירים. בהעדר סיבה סבירה, חלה על הבנק החובה להעניק את האשראי. אולם, באפשרות הבנק לסיים חוזה שירותי תשלום בכל עת ואף באופן מידי במידה והתקיימו נסיבות חריגות המצדיקות זאת. כאן, היה קושי לתקשר עם בעל החשבון, הוא לא השיב לשאלות שנשאל בנוגע למהות הפעולה שהתבקשה ואף לשאלות שמטרתן הייתה להבין אם הוא מתמצא בזמן ובמקום. פקידי הבנק התרשמו כי אינו מבין את מהות ביצוע הפעולה בחשבונו וסברו כי קיים חשש לריקון חשבונו תוך ניצולו. לכן, הבנק פעל באופן סביר בעת שביטל את מסגרת האשראי.

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