שיקים ללא כיסוי

דף הבית » שיקים ללא כיסוי וחשבון מוגבל

שיקים ללא כיסוי וחשבון מוגבל הינו חשבון שחזרו בו 10 שיקים מהסיבה של אין כיסוי מספיק, בתקופה של 12 חודשים. במקרה בו שיק בוטל ויחד עם זאת לא היה לו כיסוי, הוא יימנה במספר השיקים החוזרים.
ברגע שהוטלה הגבלה על חשבון הבנק, הלקוח אוטומטית הופך ללקוח מוגבל בבנק.
ללקוח מוגבל אין אפשרות למשוך שיקים מהחשבון המוגבל ואינו רשאי לפתוח חשבון חדש במשך כשנה. ישנה האפשרות ללקוח מוגבל בעל חשבונות נוספים שלא הוגבלו למשוך שיקים מחשבונות אלו.

שיקים ללא כיסוי וחשבון מוגבל בנסיבות מחמירות

לקוח מוגבל אשר בתקופת הגבלת חשבון הבנק שלו, הוגבל חשבון בנק נוסף שלו.
לקוח שהיה לו בעבר חשבון מוגבל ואת אותו חשבון הגבילו בשנית, וזאת בטרם חלפו 3 שנים מיום שנסתיימה ההגבלה הקודמת.
לקוח מוגבל חמור יהא מוגבל למשך שנתיים ולא יוכל למשוך שיקים גם מחשבונות אחרים שלו, גם במקרה בו חשבונות אלה לא הוגבלו (מידע יותר נירחב בנושא תביעת בנק תוכלו למצוא בקישור הבא – תביעות בנקים).

הודעה על הגבלת חשבון בנק תגיע ללקוח בדרך הבאה

5 שיקים חוזרים ← התראה טרם הגבלת חשבון הבנק
10 שיקים חוזרים ← הודעה על הגבלת חשבון הבנק

על פי חוק לקוח מוגבל או מוגבל חמור רשאי להגיש ערעור על הגבלת החשבון לבית המשפט עד שבועיים לאחר שהשיק העשירי חזר. הבנק מסתיר מידע זה מהלקוח.

בעצם הערעור על הגבלת חשבון בנק הוא ניסיון לגרוע שיקים ממניין השיקים המסורבים בחשבון הבנק. ישנה חשיבות רבה לכוחן של הטענות הנטענות ולעילת הערעור המוגשת לבית המשפט, רצוי להיוועץ עם עורך דין מהתחום של שיקים ללא כיסוי וחשבון מוגבל על מנת לבנות עילת ערעור טובה.

לקביעת פגישת ייעוץ בנושא חשבונות מוגבלים בבנק – לחצו פה.

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שיקים ללא כיסוי

שיקים ללא כיסוי וחשבון מוגבל בנסיבות מחמירות

הודעה על הגבלת חשבון בנק תגיע ללקוח בדרך הבאה

האם תיתכן הפחתת חוב לחייב גם ללא הסכמת הנושים?

ניתן לבטל חשבון בנק מוגבל בתקופת חירום, מלחמה

הפטר חוב מזונות בפשיטת רגל

האם כספים שהתקבלו בגין תביעת לשון הרע שייכים לנושים?

עמודי האתר

מידע נוסף באתר

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