Kar\u015f\u0131l\u0131ks\u0131z \u00e7ek, banka taraf\u0131ndan \u2018\u2019\u00d6denmemi\u015ftir\u2019\u2019 ibaresini i\u00e7eren m\u00fchr\u00fcn vurulmas\u0131 sonras\u0131nda mevcut \u00e7eke verilen tan\u0131mlamaya ait isindir. Bankalar, herhangi bir kar\u015f\u0131l\u0131\u011f\u0131 bulunmayan \u00e7ekleri bu \u015fekilde belirtmektedir. Kar\u015f\u0131l\u0131ks\u0131z \u00e7ek<\/a><\/strong> yazmak yasal bir su\u00e7tur ve \u00e7e\u015fitli cezai yapt\u0131r\u0131mlar\u0131 bulunmaktad\u0131r. E\u011fer ki al\u0131nan bir \u00e7ek kar\u015f\u0131l\u0131ks\u0131z ise ve \u00e7eki alan taraf 6 ay i\u00e7erisinde \u015fik\u00e2yette bulunur ise Cumhuriyet savc\u0131s\u0131<\/a><\/strong> taraf\u0131ndan \u00e7eki yazan ki\u015fi hakk\u0131nda \u00e7ek hesab\u0131 a\u00e7ma ve \u00e7ek d\u00fczenleme yasa\u011f\u0131 getirilir. B\u00f6yle bir durumda \u00e7ek sahibi elinde bulunan t\u00fcm \u00e7ek yapraklar\u0131n\u0131 da bankaya iade etmek zorundad\u0131r.<\/p>\n\n\n\n \u00c7ek yasa\u011f\u0131n\u0131n kald\u0131r\u0131labilmesi i\u00e7in \u00e7ek sahibi ki\u015finin kar\u015f\u0131l\u0131ks\u0131z \u00e7ek tutar\u0131na ek olarak gecikmeden kaynakl\u0131 olu\u015fan faizi \u00f6demesi gerekmektedir. Ayr\u0131ca, \u00e7ek yazan ki\u015fi di\u011fer bireyin olas\u0131 zararlar\u0131n\u0131 da kar\u015f\u0131lamak zorundad\u0131r.<\/p>\n\n\n\n Her ne kadar konu ile ba\u011f\u0131ms\u0131z olsa da sahte \u00e7ek kavram\u0131n\u0131n bilinmesi ve kar\u015f\u0131l\u0131ks\u0131z \u00e7ek ile kar\u0131\u015ft\u0131r\u0131lmamas\u0131 gerekmektedir. Kar\u015f\u0131l\u0131ks\u0131z \u00e7ek, banka taraf\u0131ndan d\u00fczenlenen bir evrakt\u0131r ve \u00e7ek sahibinin \u00e7ek tutar\u0131n\u0131 \u00f6deyememesi ile kar\u015f\u0131l\u0131ks\u0131z olarak adland\u0131r\u0131lmaktad\u0131r. Sahte \u00e7ek ise tamamen kalpazanl\u0131k ile olu\u015fturulmaktad\u0131r. Sahte \u00e7ek ile piyasada bulunmakta olan bir \u00e7ek taklit edilmekte ve farkl\u0131 bas\u0131m y\u00f6ntemleri kullan\u0131larak \u00e7ek defteri bas\u0131lmas\u0131 sonucunda insanlar\u0131n doland\u0131r\u0131lmas\u0131 ile sonu\u00e7lanmaktad\u0131r. Sahte \u00e7ekler i\u00e7in uygulanmakta olan cezai yapt\u0131r\u0131mlar olduk\u00e7a a\u011f\u0131rd\u0131r.<\/p>\n\n\n\n \u00c7ek kullan\u0131m\u0131nda \u00fc\u00e7 farkl\u0131 taraf bulunmaktad\u0131r. Bunlardan birisi \u00e7eki yazan ki\u015fi yani ke\u015fidecidir. \u0130kincisi ise alacakl\u0131 yani hamildir. \u00dc\u00e7\u00fcnc\u00fcs\u00fc ise \u00e7ek \u00fczerinde yer alan transferi alacakl\u0131 ile verecekli ki\u015fi aras\u0131nda transfer etmekle sorumlu bankad\u0131r.<\/p>\n\n\n\n Herhangi bir \u00e7ekin kar\u015f\u0131l\u0131ks\u0131z \u00e7\u0131kmas\u0131 durumu ise vade s\u00fcresi gelen \u00e7ekin ke\u015fidecisinin hesab\u0131nda bu \u00e7eki kar\u015f\u0131layacak tutar bulunmamas\u0131d\u0131r. Bir \u00e7ekin kar\u015f\u0131l\u0131ks\u0131z oldu\u011funun belirlenebilmesi i\u00e7in hamilin yani alacakl\u0131 ki\u015finin tam g\u00fcn\u00fcnde \u00e7eki bankaya ibraz etmi\u015f olmas\u0131 gerekmektedir.<\/p>\n\n\n\n Kar\u015f\u0131l\u0131ks\u0131z \u00e7ekin tahsil edilebilmesi i\u00e7in \u00f6ncelikli olarak banka taraf\u0131ndan \u00e7ekin \u00fczerine kar\u015f\u0131l\u0131ks\u0131z oldu\u011funa dair bir m\u00fch\u00fcr vurmas\u0131 gerekmektedir. Kar\u015f\u0131l\u0131ks\u0131z \u00e7ekin asl\u0131 banka taraf\u0131ndan al\u0131naca\u011f\u0131 i\u00e7in hukuki i\u015flem ba\u015flatacak birey veya i\u015fletmelerin bankadan \u00e7ekin \u00f6rne\u011fini talep etmesi gerekmektedir. Bu i\u015flem sonras\u0131nda ise kar\u015f\u0131l\u0131ks\u0131z \u00e7ek \u00f6rne\u011fi ile birlikte icra dairesine ba\u015fvuru yap\u0131lmas\u0131 ve icra takibinin ba\u015flat\u0131lmas\u0131 gereklidir.<\/p>\n\n\n\n \u0130cra takibi hakk\u0131nda ba\u015fvuru yap\u0131lmas\u0131 sonras\u0131nda bor\u00e7lu taraf \u00f6deme emri ile kar\u0131la\u015facakt\u0131r. Bu emir metni i\u00e7erisinde alacakl\u0131dan belirli bir s\u00fcre i\u00e7erisinde borcun \u00f6denmemesi durumunda haciz yolu ile tahsilat\u0131n yap\u0131laca\u011f\u0131 bildirilir. \u00c7eklerin kambiyo senedi olarak s\u0131n\u0131fland\u0131r\u0131lmas\u0131 nedeni ile g\u00f6nderilmi\u015f icra emrine itiraz edilebilmesi i\u00e7in 5 g\u00fcn tan\u0131nmaktad\u0131r. E\u011fer ki bu s\u00fcre\u00e7 i\u00e7erisinde bor\u00e7lu taraf herhangi bir itirazda bulunmaz ise icra takibi kesinle\u015fmektedir. Bu kesinle\u015fme sonras\u0131nda ise mevcut borcun haciz yolu ile tahsil edilebilmesi i\u00e7in ba\u015fvuruda bulunulmas\u0131 gerekmektedir.<\/p>\n\n\n\n Haciz, bor\u00e7lu ki\u015finin mevcut mal varl\u0131\u011f\u0131na el konulmas\u0131 ve bu mallar\u0131n sat\u0131larak alacakl\u0131 ki\u015fiye borcun \u00f6denmesi anlam\u0131n\u0131 ifade etmektedir. Haciz i\u015fleminin ger\u00e7ekle\u015fmesi durumunda \u00e7ek \u00fczerinde belirtilen tutara ek olarak \u00e7ek \u00f6deme tarihinden itibaren belirlenen gecikme faizi, icra takibi i\u00e7in yap\u0131lm\u0131\u015f masraflar ve avukat giderleri de tahsil edilmektedir. Tabii bu ek tutarlar \u00e7ek \u00fczerinde yer alan tutar\u0131n binde \u00fc\u00e7\u00fcn\u00fcn a\u015fmayacak \u015fekilde ko\u015fulland\u0131r\u0131lm\u0131\u015ft\u0131r. Bu \u015fartlar do\u011frultusunda bu ek masraflar\u0131n da talep edilmesi m\u00fcmk\u00fcnd\u00fcr.<\/p>\n","protected":false},"excerpt":{"rendered":" Kar\u015f\u0131l\u0131ks\u0131z \u00e7ek, en basit tan\u0131m ile \u00e7ek sahibi ki\u015finin banka hesab\u0131 i\u00e7erisinde yeterli bakiyesinin bulunmamas\u0131d\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":2850,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[432,868],"tags":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/10\/kars\u0327iliksiz-c\u0327ek-nasil-tahsil-edilir.jpeg?fit=999%2C669&ssl=1","_links":{"self":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/2847"}],"collection":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/comments?post=2847"}],"version-history":[{"count":1,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/2847\/revisions"}],"predecessor-version":[{"id":2851,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/2847\/revisions\/2851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/media\/2850"}],"wp:attachment":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/media?parent=2847"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/categories?post=2847"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/tags?post=2847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"kar\u015f\u0131l\u0131ks\u0131z](\"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/10\/kars\u0327iliksiz-c\u0327ek-nedir.png?resize=700%2C400&ssl=1\" "\\"\\"")
<\/figure><\/div>\n\n\n\n\u00c7ek Neden Kar\u015f\u0131l\u0131ks\u0131z Olur?<\/strong><\/h2>\n\n\n\n
Kar\u015f\u0131l\u0131ks\u0131z \u00c7ek Nas\u0131l Tahsil Edilir?<\/strong><\/h2>\n\n\n\n
![\"kar\u015f\u0131l\u0131ks\u0131z](\"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/10\/kars\u0327iliksiz-c\u0327ek-nasil-tahsil-edilir.jpeg?resize=800%2C536&ssl=1\" "\\"\\"")
<\/figure><\/div>\n\n\n\nKar\u015f\u0131l\u0131ks\u0131z \u00c7ek \u0130cra Takibi Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n