Home News e Sentenze Bancomat rubato ed indebito prelievo: la Banca deve rimborsare.

Bancomat rubato ed indebito prelievo: la Banca deve rimborsare.

ndebito prelievo bancomat pisa

indebito prelievo bancomat pisa

Bancomat rubato ed indebito prelievo: la Banca deve rimborsare.

Furto bancomat, ABF: istituto deve provare scorrettezza cliente.

Per negare il rimborso di fronte al furto del bancomat e al prelievo non autorizzato, l’istituto di credito deve prima provare la condotta scorretta del cliente. Deve cioè dimostrare che il codice Pin sia stato conservato in modo scorretto. È quanto si desume da una decisione dell’Arbitro Bancario Finanziario, che ha riconosciuto a una donna assistita da Confconsumatori il rimborso a fronte del furto del bancomat che aveva subito per una piccola imprudenza, con un prelievo non autorizzato di 600 euro subìto prima di riuscire a bloccare la carta.

Il caso è stato raccontato da Confconsumatori , che ha assistito la donna. Il furto era avvenuto verso sera, quando lei, titolare di un esercizio di ortofrutta ambulante, era scesa dal furgone per sistemare il carico lanciando pochi minuti la borsa nell’abitacolo. Un breve lasso di tempo nel quale le avevano rubato borsa, portafoglio e carta. La donna aveva subito bloccato la card ma la mossa non era riuscita a bloccare un prelievo di 600 euro.

“La titolare del bancomat – racconta Confconsumatori – aveva provveduto immediatamente a denunciare il furto, precisando di non aver mai custodito il bancomat insieme al codice Pin. Nonostante la denuncia, però, Poste Italiane si era rifiutata di riconoscere il rimborso richiesto, lamentando che il prelievo non poteva che essere avvenuto a seguito dell’inserimento del corretto Pin”. Con l’assistenza di Confconsumatori, la donna ha deciso di ricorrere all’Arbitro Bancario Finanziario.

L’ABF, spiega Confconsumatori, ha riconosciuto il diritto della risparmiatrice ad essere rimborsata delle somme indebitamente prelevate da ignoti attraverso l’utilizzo del bancomat sottratto fraudolentemente, riconoscendo che Poste Italiane, per sottrarsi all’obbligo di rifondere il maltolto alla propria cliente, avrebbe dovuto fornire adeguata prova della condotta gravemente colposa della donna in relazione agli obblighi di utilizzazione del bancomat. Non è possibile, infatti, desumere dal solo utilizzo fraudolento della carta che il codice Pin sia stato conservato in maniera scorretta dal titolare del bancomat, considerato anche il lasso di tempo non irrisorio intercorso tra il furto della carta e il prelievo di denaro.

“Una decisione molto importante – ha commentato l’avvocato Grazia Ferdenzi che ha assistito la risparmiatrice – perché riconosce il diritto del titolare di un bancomat che non abbia agito in modo fraudolento a non subire alcuna perdita a seguito di furto, smarrimento o sottrazione. L’Arbitro Bancario Finanziario ha riconosciuto, infatti, come il comportamento del risparmiatore che si accorge di non essere più in possesso della carta non configuri un’omissione degli obblighi di custodia del medesimo, salve le ipotesi di colpa grave o dolo che devono comunque essere provate da parte dell’Istituto di Credito e che, nel caso specifico, non sono state mai raggiunte”.

Fonte: https://www.helpconsumatori.it/soldi/furto-bancomat-abf-per-negare-rimborso-istituto-deve-provare-condotta-scorretta-del-cliente/

270 Comments:

  1. Pingback:ما هي افضل الكليات الخاصه في مصر

  2. Pingback:دورات الماحسبة بجامعة المستقبل بمصر

  3. Pingback:تخصصات ادارة الاعمال

  4. Pingback:Transcript requirements for future university

  5. Pingback:Interdisciplinary nature

  6. Pingback:البحث العلمي

  7. Pingback:افضل جامعة لدراسة ادارة الاعمال

  8. Pingback:?????? ???????? ????? ???????

  9. Pingback:Technical Writer

  10. Pingback:FCIT Future University Egypt Semester System

  11. Pingback:Comprehensive Academic and Health Institution

  12. Pingback:Academic programs

  13. Pingback:MBA curriculum in Egypt

  14. Pingback:الكيمياء الطبية

  15. Pingback:https://www.kooky.domains/post/choosing-the-right-web3-domain-name-for-your-business-or-brand

  16. Pingback:https://www.kooky.domains/post/domain-name-disputes-in-the-web3-ecosystem-how-they-are-handled

  17. Pingback:Sustainable development in Marketing

  18. Pingback:Future University Egypt MBA

  19. Pingback:افضل جامعة لدراسة ادارة الاعمال

  20. Pingback:Future University in Egypt

  21. Pingback:علوم السياسة

  22. Pingback:fue

  23. Pingback:Social Justice

  24. Pingback:الكيمياء الحيوية

  25. Pingback:State-of-the-art dental equipment Dental Education

  26. Pingback:Dental Implants

  27. Pingback:Location Faculty of Oral and Dental Medicine

  28. Pingback:Master's in prosthodontics

  29. Pingback:engineering education

  30. Pingback:التأثير العالمي

  31. Pingback:registration procedures

  32. Pingback:Faculty of Computers and Information

  33. Pingback:future unversity in egypt news

  34. Pingback:fue

  35. Pingback:Pharmacology and Toxicology

  36. Pingback:Faculty of dentistry

  37. Pingback:Msc in dental

  38. Pingback:Letters of recommendation for future university

  39. Pingback:International student admissions to future university

  40. Pingback:future University application process

  41. Pingback:خطابات توصية لجامعة المستقبل

  42. Pingback:Maillot de football

  43. Pingback:Maillot de football

  44. Pingback:Maillot de football

  45. Pingback:Maillot de football

  46. Pingback:Maillot de football

  47. Pingback:Maillot de football

  48. Pingback:Maillot de football

  49. Pingback:Maillot de football

  50. Pingback:Maillot de football

  51. Pingback:Maillot de football

  52. Pingback:Maillot de football

  53. Pingback:SEOSolutionVIP Fiverr

  54. Pingback:SEOSolutionVIP Fiverr

  55. Pingback:SEOSolutionVIP Fiverr

  56. Pingback:strisce luminose per scale

  57. Pingback:cage de musculation

  58. Pingback:gymnase extérieur

  59. Pingback:Fiverr Earn

  60. Pingback:Fiverr Earn

  61. Pingback:Fiverr Earn

  62. Pingback:Fiverr Earn

  63. Pingback:Fiverr Earn

  64. Pingback:Fiverr Earn

  65. Pingback:Fiverr Earn

  66. Pingback:striscia led compra online

  67. Pingback:fiverrearn.com

  68. Pingback:fiverrearn.com

  69. Pingback:fiverrearn.com

  70. Pingback:fiverrearn.com

  71. Pingback:fiverrearn.com

  72. Pingback:fiverrearn.com

  73. Pingback:fiverrearn.com

  74. Pingback:kos daftar sdn bhd online murah ssm

  75. Pingback:fiverrearn.com

  76. Pingback:transportation management system

  77. Pingback:flatbed broker

  78. Pingback:fiverrearn.com

  79. Pingback:clima de hoy

  80. Pingback:fiverrearn.com

  81. Pingback:french bulldog

  82. Pingback:fiverrearn.com

  83. Pingback:fiverrearn.com

  84. Pingback:teacup french bulldog

  85. Pingback:dog breed

  86. Pingback:fluffy bully

  87. Pingback:vacation rental isla mujeres

  88. Pingback:jute vs sisal rug

  89. Pingback:Seo marketing

  90. Pingback:blogging

  91. Pingback:Does walking tone your butt cost of vardenafil?

  92. Pingback:Piano Storage Services

  93. Pingback:Top university in Egypt

  94. Pingback:Best university in Egypt

  95. Pingback:Top university in Egypt

  96. Pingback:Private universities in Egypt

  97. Pingback:golf cart isla mujeres

  98. Pingback:golf cart rental isla mujeres

  99. Pingback:cancun to isla mujeres ferry

  100. Pingback:mini frenchie for sale

  101. Pingback:rescue french bulldog

  102. Pingback:blue merle french bulldog puppy

  103. Pingback:fluffy french bulldog

  104. Pingback:pied frenchie

  105. Pingback:micro blue french bulldog

  106. Pingback:pitbull mix french bulldog

  107. Pingback:french bulldog stud

  108. Pingback:bitcoin

  109. Pingback:vietnam restaurants

  110. Pingback:jewelry kay

  111. Pingback:miniature frenchie for sale

  112. Pingback:bewerto

  113. Pingback:bewerto

  114. Pingback:french bulldog puppies texas for sale

  115. Pingback:tech

  116. Pingback:Samsung phone

  117. Pingback:future university

  118. Pingback:future university

  119. Pingback:future university

  120. Pingback:future university

  121. Pingback:future university

  122. Pingback:future university

  123. Pingback:future university

  124. Pingback:future university

  125. Pingback:renting golf cart isla mujeres

  126. Pingback:golf cart rental isla mujeres

  127. Pingback:french bulldog breeder houston

  128. Pingback:slot online

  129. Pingback:isla mujeres golf cart rentals

  130. Pingback:seo company tampa

  131. Pingback:seo company charleston

  132. Pingback:bulldogs puppy

  133. Pingback:Fiverr.Com

  134. Pingback:french bulldog puppies in texas

  135. Pingback:future university

  136. Pingback:isla mujeres golf cart rental

  137. Pingback:french bulldog

  138. Pingback:french bulldog puppies

  139. Pingback:Lean

  140. Pingback:french bulldog sale san antonio

  141. Pingback:Warranty

  142. Pingback:Professional piano movers

  143. Pingback:Piano repairs

  144. Pingback:Piano tuning experts

  145. Pingback:FUE

  146. Pingback:FUE

  147. Pingback:FUE

  148. Pingback:Furniture transport

  149. Pingback:Storage solutions

  150. Pingback:pcfinancial.ca/activate

  151. Pingback:Business management courses in Cairo

  152. Pingback:Classic Books 500

  153. Pingback:FiverrEarn

  154. Pingback:FiverrEarn

  155. Pingback:FiverrEarn

  156. Pingback:Fiverr.Com

  157. Pingback:FiverrEarn

  158. Pingback:FiverrEarn

  159. Pingback:FiverrEarn

  160. Pingback:Training Philippines

  161. Pingback:FiverrEarn

  162. Pingback:FiverrEarn

  163. Pingback:FiverrEarn

  164. Pingback:Sefton Onlyfans

  165. Pingback:Pupuk Organik terbaik dan terpercaya hanya melalui pupukanorganik.com

  166. Pingback:Pupuk terpercaya dan terbaik hanya melalui pupukanorganik.com

  167. Pingback:Pupuk terbaik dan terpercaya di pupukanorganik.com

  168. Pingback:Pupuk Anorganik terpercaya dan terbaik melalui pupukanorganik.com

  169. Pingback:Pupuk terbaik dan terpercaya hanya melalui pupukanorganik.com

  170. Pingback:partners

  171. Pingback:dietary supplements

  172. Pingback:best supplements for nails

  173. Pingback:glucotrust usa official website

  174. Pingback:STUDY ABROAD CONSULTANTS KOLLAM

  175. Pingback:منتجات الرعاية الصحية

  176. Pingback:skincare supplement

  177. Pingback:french bulldog stud

  178. Pingback:Betting

  179. Pingback:FiverrEarn

  180. Pingback:FiverrEarn

  181. Pingback:FiverrEarn

  182. Pingback:live sex cams

  183. Pingback:live sex cams

  184. Pingback:live sex cams

  185. Pingback:live sex cams

  186. Pingback:FiverrEarn

  187. Pingback:FiverrEarn

  188. Pingback:FiverrEarn

  189. Pingback:FiverrEarn

  190. Pingback:FiverrEarn

  191. Pingback:FiverrEarn

  192. Pingback:FiverrEarn

  193. Pingback:french pitbull puppies

  194. Pingback:FiverrEarn

  195. Pingback:FiverrEarn

  196. Pingback:FiverrEarn

  197. Pingback:FiverrEarn

  198. Pingback:FiverrEarn

  199. Pingback:FiverrEarn

  200. Pingback:FiverrEarn

  201. Pingback:FiverrEarn

  202. Pingback:FiverrEarn

  203. Pingback:FiverrEarn

  204. Pingback:FiverrEarn

  205. Pingback:filmebi da serialebi qartulad

  206. Pingback:Milking

  207. Pingback:winter presets lightroom

  208. Pingback:website builder

  209. Pingback:Queen Arwa University

  210. Pingback:Slot Online

  211. Pingback:Scientific Research

  212. Pingback:Kuliah Termurah

  213. Pingback:FiverrEarn

  214. Pingback:FiverrEarn

  215. Pingback:FiverrEarn

  216. Pingback:FiverrEarn

  217. Pingback:Generator Service Leeds

  218. Pingback:neurorise scam or legit

  219. Pingback:cheap sex cams

  220. Pingback:fullersears.com

  221. Pingback:fullersears.com

  222. Pingback:dog probiotics

  223. Pingback:live sex cams

  224. Pingback:live sex cams

  225. Pingback:live sex cams

  226. Pingback:freeze dried

  227. Pingback:rare breed-trigger

  228. Pingback:Juicios en materia fiscal

  229. Pingback:Ice Kream Vapes

  230. Pingback:늑대닷컴

  231. Pingback:Slot Barat

  232. Pingback:OnePeace Live Action AMV

  233. Pingback:One Peace AMV

  234. Pingback:nang delivery

  235. Pingback:superslot

  236. Pingback:freelance web developer

  237. Pingback:allgame

  238. Pingback:918kiss

  239. Pingback:หวย24

  240. Pingback:K-beauty

  241. Pingback:pg slot

  242. Pingback:artificial intelligence attorney

  243. Pingback:Raahe Guide

  244. Pingback:Raahe Guide

  245. Pingback:aplikasi slot online deposit pulsa tanpa potongan

  246. Pingback:Life Coach Chelsea

  247. Pingback:Dating Coach in London

  248. Pingback:hotel on lake placid

  249. Pingback:resorts in the catskills new york

  250. Pingback:megagame

  251. Pingback:electronic visa

  252. Pingback:sicarios baratos precio

  253. Pingback:SaaS Agreement Lawyer

  254. Pingback:itsMasum.Com

  255. Pingback:itsMasum.Com

  256. Pingback:itsMasum.Com

  257. Pingback:itsMasum.Com

  258. Pingback:signaler un mail frauduleux

  259. Pingback:livre broche

  260. Pingback:FÜHRERSCHEIN KAUFEN

  261. Pingback:nangs delivery in Sydney

  262. Pingback:Nangs delivery sydney

  263. Pingback:changement chauffe eau Tours

  264. Pingback:itsmasum.com

  265. Pingback:chat with a stranger

  266. Pingback:Film institutionnel Nantes

  267. Pingback:kuala lumpur jobs

  268. Pingback:london jobs

  269. Pingback:stockholm jobs

  270. Pingback:newyorkcareerhub

Commenti chiusi