Banks' Obligation to Return Deposits | Bank Cyber Attacks | IT Lawyer | Lawyer in Izmir | Izmir Law Firm
Law No. 5411 Banking Law
Article 61 — “…deposit and participation fund The right of owners to recover the amounts due cannot be restricted in any way. The terms and conditions agreed upon between deposit or participation account holders and credit institutions regarding maturity and notice periods are reserved.” His ruling is absolute.
SUPREME COURT OF APPEALS, 11TH CIVIL CHAMBER, CASE NO. 2009/8730, DECISION NO. 2011/2237
…davacıya ait para, davalı bankaya karşı gerçekleştirilen sahtecilik işlemi ile hesaplardan çekilerek başka hesaplara havale edilmiş olup, bu durum davalı bankayı aldığı mevduatı iade etme yükümlülüğünden kurtarmayacağı gibi, ispat yükü kendisinde olan davalılardan The bank also failed to prove that the PIN and PIN it provided to the plaintiff were obtained through the plaintiff's fault.
Accordingly, since no fault attributable to the plaintiff could be proven in this specific case, it should be accepted that all the fault lies with the defendant Bank. However, the written reasoning that both parties were jointly at fault is deemed incorrect, and the decision must therefore be overturned in favor of the plaintiff…
SUPREME COURT OF APPEALS, 11TH CIVIL CHAMBER, CASE NO. 2016/7711, DECISION NO. 2018/1256
Somut olayda mahkemece, davacının kendi istemi ile tek kullanımlık şifre üreten cihazı aldığı, bankadaki parasını koruyamadığı, davalı banka tarafından da davacının kullanıcı adı ve parolasını 3. şahıslar ile paylaştığı konusunda dosyada somut delillerin bulunmadığı davaya konu olayda… ispat yükü kendisinde olan davalı banka, davacıya vermiş olduğu şifre ve parolaların davacının kusuru ile üçüncü kişilerce ele geçirildiğini de kanıtlayamamıştır….
Therefore, since no fault attributable to the plaintiff could be proven in this specific case, the court should have ruled that all fault lay with the defendant banks. However, the court's decision to partially accept the claim was incorrect, and the judgment must be overturned for this reason.
SUPREME COURT OF APPEALS, 11TH CIVIL CHAMBER, CASE NO. 2017/2386, DECISION NO. 2017/4206
...The defendant bank, which bears the burden of proof, has also failed to prove that the passwords and login credentials it provided to the plaintiff were obtained by third parties due to the plaintiff's fault....Therefore, since no fault attributable to the plaintiff could be proven in this specific case, it should have been accepted that all fault lay with the defendant bank, and a decision should have been made accordingly. However, the decision to dismiss the case against the defendant bank was incorrect, and the judgment should be overturned in favor of the plaintiff for this reason.
SUPREME COURT OF APPEALS, 11TH CIVIL CHAMBER, CASE NO. 2009/12918, DECISION NO. 2011/5262
…davacının SMS yöntemiyle bilgilendirilme yöntemini tercih ettiği, hesabından yapılan havalenin mesaj yoluyla davacının cep telefonuna gönderildiği, ancak sim kartının kopyalanması ve telefonun başka kişilerce kullanılması nedeniyle mesajın davacıya ulaşmaması nedeniyle havaleden haberdar edilmediği belirlendikten sonra… Mahkeme kabulü ve bilirkişi raporundan, sim kartın bilinmeyen kişilerce değiştirilerek işlem yapıldığı ve davacının bir kusuru bulunmadığı anlaşılmasına göre, bu durum davalı bankayı aldığı mevduatı iade etme yükümlülüğünden kurtarmayacağı gibi, ispat yükü kendisinde olan davalı banka, davacıya vermiş olduğu şifre ve parolanın davacının kusuru ile ele geçirildiğini de kanıtlayamamıştır…
As explained in detail in the Supreme Court decisions cited above, banks have an obligation to return deposits in the event of a cyber attack on bank accounts.
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