\u00c7ek, kambiyo senetleri i\u00e7erisinde g\u00fcn\u00fcm\u00fczde ticari hayatta en yo\u011fun kullan\u0131labilen ve \u00f6deme arac\u0131 olarak da i\u015flev g\u00f6ren k\u0131ymetli evraklardan biridir. Bir ba\u015fka ifade ile \u00e7eklerin tahsili sa\u011fland\u0131\u011f\u0131nda adeta para gibi de\u011fer g\u00f6r\u00fcr ve kullan\u0131labilirler.<\/p>\n
\u00c7ekin tahsili a\u015famas\u0131nda, ibraz s\u00fcresi i\u00e7erisinde yani \u00f6demenin \u00e7ekin d\u00fczenlendi\u011fi yerde yap\u0131lmas\u0131 istendi\u011finde 10 g\u00fcn, ba\u015fka bir yerde \u00f6deme olacak ise 1 ay i\u00e7inde \u00e7ek hamili taraf\u0131ndan bankaya ibraz edilerek \u00e7ek \u00fczerinde yazan miktar\u0131n \u00f6denmesi talep edilir. \u00c7ek hesab\u0131nda yeteri kadar paran\u0131n olmad\u0131\u011f\u0131 hallerde; \u00e7ekin kar\u015f\u0131l\u0131\u011f\u0131n\u0131n olmad\u0131\u011f\u0131n\u0131n tespiti yine banka marifetiyle ger\u00e7ekle\u015ftirilecektir. \u00c7ekin kar\u015f\u0131l\u0131ks\u0131z \u00e7ek oldu\u011funun tespitinin akabinde hesapta hi\u00e7 para olmasa dahi banka ibraz eden ki\u015fiye bir miktar \u00f6deme yapmakla m\u00fckelleftir.<\/p>\n
Bankan\u0131n sorumlulu\u011fu \u00e7ek bedelinin miktar\u0131na ve yasal d\u00fczenlemelere g\u00f6re de\u011fi\u015fkenlik g\u00f6sterir. 04.01.2025 tarihli Resmi Gazete’de yay\u0131nlanan \u00c7ek Defterlerinin Bask\u0131 \u015eekline ve Bankalar\u0131n Hamile \u00d6demekle Y\u00fck\u00fcml\u00fc Oldu\u011fu Miktar\u0131n Belirlenmesine \u0130li\u015fkin Tebli\u011f (say\u0131: 2010\/2)\u2019de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f ile s\u00fcresinde ibraz edilen her \u00e7ek yapra\u011f\u0131 i\u00e7in \u00f6denmesi gereken miktar 12.650 TL’ye y\u00fckseltildi. Bu halde: \u00e7ek bedelinin 12.650 \u00a0TL veya daha \u00fcst\u00fcnde oldu\u011fu hallerde banka yaln\u0131zca 12.650 TL \u00f6deme yapmakla; \u00e7ekin bedelinin 12.650 TL veya alt\u0131nda oldu\u011fu durumlarda ise \u00e7ek bedelinin t\u00fcm\u00fcn\u00fc \u00f6demekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n
\u00c7ek bedelinin t\u00fcm\u00fcne kavu\u015famayan \u00e7ek sahibinin elinde hukuki ve cezai olarak baz\u0131 yapt\u0131r\u0131mlar\u0131n uygulanmas\u0131n\u0131 talep etme imk\u00e2n\u0131 bulunmaktad\u0131r. \u00d6ncelikle ilk yap\u0131lacak i\u015flemlerden biri \u00e7eki d\u00fczenleyen hakk\u0131nda \u00e7ekin kar\u015f\u0131l\u0131ks\u0131z oldu\u011funun \u00f6\u011frenilmesinden itibaren 3 ay ve her hal\u00fckarda 1 y\u0131ll\u0131k s\u00fcre i\u00e7inde \u015fikayette bulunulabilir. \u015eikayet icra ceza mahkemelerinde incelenecek olup, yarg\u0131lama s\u00fcresince \u00f6denmeyen ve aleyhine yap\u0131lan \u015fikayet devam eden \u00e7ek ke\u015fidecisi hakk\u0131nda hapis cezas\u0131, para cezas\u0131 yahut \u00e7ek d\u00fczenleme yasa\u011f\u0131 ya da \u00e7ek hesab\u0131 a\u00e7ma yasa\u011f\u0131 gibi cezai yapt\u0131r\u0131mlar\u0131n uygulanmas\u0131na karar verilebilecektir. Bir di\u011fer imkan ve kar\u015f\u0131l\u0131ks\u0131z \u00e7ekin tahsil edilmesini sa\u011flayacak esas y\u00f6ntem ise \u00e7ek ke\u015fidecisi ve \u00e7ek \u00fczerinde imzas\u0131 bulunan cirantalar aleyhine kambiyo yoluna mahsus icra takibi ba\u015flat\u0131lmas\u0131d\u0131r. Ayr\u0131ca \u00e7eki d\u00fczenleyen ve \u015fartlar\u0131n varl\u0131\u011f\u0131 halinde m\u00fcracaat bor\u00e7lusu s\u0131fat\u0131 kazanan cirantalar\u0131n mal ka\u00e7\u0131rma \u015f\u00fcphesi varsa ihtiyati haciz karar\u0131 al\u0131narak takip kesinle\u015fmeden dahi bor\u00e7lular\u0131n mal varl\u0131klar\u0131na haciz i\u015flenebilecektir.<\/p>\n
Her ne kadar kar\u015f\u0131l\u0131ks\u0131z \u00e7ek hususu yasal d\u00fczenlemeler ile s\u0131k\u0131 \u015fartlara ba\u011flanm\u0131\u015f ve \u00e7ek hamilinin alaca\u011f\u0131n\u0131 koruyucu h\u00fck\u00fcmler ile donat\u0131lm\u0131\u015fsa da \u00e7ekin tahsilat\u0131 k\u0131sm\u0131nda as\u0131l \u00f6nemli olan yasal prosed\u00fcr\u00fcn ad\u0131m ad\u0131m ve zaman\u0131nda i\u015fletilmesi olacakt\u0131r. Yasal d\u00fczenlemelere ve uygulamaya uygun \u015fekilde hareket edilmesi halinde bor\u00e7lu borcundan ka\u00e7amayacak ve \u00e7ek bedeli \u00e7ek sahibine eksiksiz \u015fekilde \u00f6denmesi sa\u011flanabilecektir.<\/p>\n
Av. Elif Rumeysa MERMER<\/strong><\/p>","protected":false},"excerpt":{"rendered":" \u00c7ek, kambiyo senetleri i\u00e7erisinde g\u00fcn\u00fcm\u00fczde ticari hayatta en yo\u011fun kullan\u0131labilen ve \u00f6deme arac\u0131 olarak da i\u015flev g\u00f6ren k\u0131ymetli evraklardan biridir. Bir ba\u015fka ifade ile \u00e7eklerin tahsili sa\u011fland\u0131\u011f\u0131nda adeta para gibi de\u011fer g\u00f6r\u00fcr ve kullan\u0131labilirler. \u00c7ekin tahsili a\u015famas\u0131nda, ibraz s\u00fcresi i\u00e7erisinde yani \u00f6demenin \u00e7ekin d\u00fczenlendi\u011fi yerde yap\u0131lmas\u0131 istendi\u011finde 10 g\u00fcn, ba\u015fka bir yerde \u00f6deme olacak ise […]<\/p>","protected":false},"author":5,"featured_media":13636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[1],"tags":[177,175,176],"class_list":["post-13635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meridyen-hukuk","tag-icra","tag-karsiliksiz-cek","tag-tahsil"],"_links":{"self":[{"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/posts\/13635"}],"collection":[{"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/comments?post=13635"}],"version-history":[{"count":1,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/posts\/13635\/revisions"}],"predecessor-version":[{"id":13637,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/posts\/13635\/revisions\/13637"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/media\/13636"}],"wp:attachment":[{"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/media?parent=13635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/categories?post=13635"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.meridyenhukuk.com\/en\/wp-json\/wp\/v2\/tags?post=13635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}