Edinilen bilgilere g\u00f6re, Mehmet Demir’e \u00e7ocukluk arkada\u015f\u0131ndan gelen mesajda, hesaplar\u0131n\u0131n bloke oldu\u011fu ve acil para transferi i\u00e7in IBAN gerekti\u011fi s\u00f6ylendi. Duruma \u00fcz\u00fclen ve yard\u0131m etmek isteyen Demir, o s\u0131rada ara\u00e7 s\u00fcrd\u00fc\u011f\u00fc i\u00e7in IBAN’\u0131 kendisi yazamad\u0131 ve yan\u0131nda bulunan arkada\u015f\u0131n\u0131n IBAN numaras\u0131n\u0131 iletti.<\/p>\n
PAYLA\u015eTI\u011eI IBAN, B\u0130R DOLANDIRICILIK A\u011eINDA KULLANILDI <\/strong><\/p>\n Bir s\u00fcre sonra s\u00f6z konusu IBAN’\u0131n doland\u0131r\u0131c\u0131l\u0131k amac\u0131yla kullan\u0131ld\u0131\u011f\u0131 tespit edildi. Demir ve arkada\u015f\u0131, karakola ifadeye \u00e7a\u011fr\u0131ld\u0131klar\u0131nda olaydan haberdar oldu. Arkada\u015f\u0131na verdi\u011fi IBAN’\u0131n doland\u0131r\u0131c\u0131l\u0131kta kullan\u0131ld\u0131\u011f\u0131n\u0131 \u00f6\u011frenince y\u0131k\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yleyen Mehmet Demir, “Kar\u015f\u0131 taraf\u0131n ma\u011fduriyetini giderdik ama halen doland\u0131r\u0131c\u0131l\u0131ktan yarg\u0131lan\u0131yoruz. Sicilimiz tehdit alt\u0131nda. Benim gibi binlerce ma\u011fdur var. Ne olursa olsun kimseye g\u00fcvenmeyin” dedi.<\/p>\n 3 AY SONRA POL\u0130S KAPIYI \u00c7ALDI <\/strong><\/p>\n Doland\u0131r\u0131c\u0131l\u0131k olay\u0131na kar\u0131\u015ft\u0131klar\u0131n\u0131 karakola gittiklerinde \u00f6\u011frendiklerini s\u00f6yleyen Mehmet Demir, “Olay zaman\u0131 ara\u00e7ta gidiyordum yan\u0131mda 3 ki\u015fi vard\u0131. O s\u0131rada telefon gelmi\u015fti, arkada\u015f\u0131m beni aram\u0131\u015ft\u0131. \u015eu anda zor durumda oldu\u011funu, \u00f6demelerinin mobil bankac\u0131l\u0131\u011fa a\u00e7\u0131k oldu\u011funu, belli bir yerden bir borcunun gelece\u011fini s\u00f6ylemi\u015fti. 3-4 ki\u015fiden benden IBAN’\u0131m\u0131 istedi. Hani g\u00fcvene dayal\u0131 olarak ben de g\u00fcvenerek kendi bilgilerimi atacakt\u0131m. O esnada atamad\u0131m, ara\u00e7 kulland\u0131\u011f\u0131m i\u00e7in karde\u015fimin k\u0131z arkada\u015f\u0131na s\u00f6yledim. ‘Daha sonra sen bana g\u00f6nderirsin, ben paralar\u0131n\u0131 kendilerine iletirim.’ Bu \u015fekilde olay olu\u015fuyor. Daha sonras\u0131nda 3 ay sonra bir polis taraf\u0131ndan \u00e7a\u011fr\u0131l\u0131yoruz. Karakola gitti\u011fimizde ifade ka\u011f\u0131tlar\u0131n\u0131 okumaya ba\u015flad\u0131\u011f\u0131mda doland\u0131r\u0131c\u0131l\u0131k su\u00e7u ile su\u00e7land\u0131\u011f\u0131m\u0131z\u0131 \u00f6\u011frendim. Bu nedenden \u00f6t\u00fcr\u00fc de ifadelerimiz al\u0131nm\u0131\u015ft\u0131” diye konu\u015ftu.<\/p>\n Peki IBAN payla\u015fan bir ki\u015fi doland\u0131r\u0131c\u0131l\u0131k \u015febekesinin a\u011f\u0131na nas\u0131l tak\u0131l\u0131yor? IBAN payla\u015fman\u0131n ne t\u00fcr sak\u0131ncalar\u0131 var? Ad\u0131 doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u0131\u015fan bir ki\u015fi hukuki olarak hangi yollar\u0131 izlemeli? Konuyla ilgili Avukat Kerem Olcayto, Avukat Umut Metin ve Siber G\u00fcvenlik Uzman\u0131 Emrullah Akdemir, milliyet.com.tr\u2019ye dikkat \u00e7eken a\u00e7\u0131klamalarda bulundu.<\/p>\n S\u0130BER G\u00dcVENL\u0130K UZMANI AKDEM\u0130R: \u2018AYLAR SONRA GELEN MAHKEME KA\u011eIDIYLA \u00d6\u011eREN\u0130YORLAR\u2019 <\/strong><\/p>\n Konuyla ilgili Siber G\u00fcvenlik Uzman\u0131 Emrullah Akdemir\u2019in a\u00e7\u0131klamalar\u0131 \u015fu \u015fekilde: \u201cDoland\u0131r\u0131c\u0131lar\u0131n en \u00e7ok ihtiya\u00e7 duydu\u011fu \u015feylerden birisi de kendisini gizlemek i\u00e7in proksi ki\u015filer kullanmakt\u0131r. Burada paray\u0131 \u00e7ekebilece\u011fi ki\u015fileri hedefleyerek belli bir mebla\u011f kar\u015f\u0131l\u0131\u011f\u0131nda baz\u0131 ki\u015filerin hesaplar\u0131n\u0131 kullan\u0131yor. Burada \u00fcniversite \u00f6\u011frencilerinden ihtiya\u00e7 sahibi bir\u00e7ok \u00f6\u011frenci maalesef doland\u0131r\u0131c\u0131lar\u0131n kurban\u0131 olabiliyor. Hesab\u0131n\u0131 kulland\u0131ran ki\u015fi aylar sonra gelen bir mahkeme ka\u011f\u0131d\u0131 ile hesab\u0131n\u0131n doland\u0131r\u0131c\u0131l\u0131k eylemlerinde kullan\u0131ld\u0131\u011f\u0131n\u0131 anl\u0131yor. <\/p>\n Doland\u0131r\u0131c\u0131lar bazen fidye vir\u00fcsleri ile elde ettikleri paralar\u0131, ya\u015fl\u0131 ki\u015fileri kand\u0131rarak ald\u0131klar\u0131 paralar\u0131 bu proksi olarak kulland\u0131klar\u0131 ki\u015finin IBAN\u2019\u0131 \u00fczerinden al\u0131yorlar. Bazen kumar sitelerinden bazen yurtd\u0131\u015f\u0131 domain sat\u0131\u015f siteleri \u00fczerinden hesaplara aktar\u0131lan paralar son a\u015famada doland\u0131r\u0131c\u0131ya elden veya yine araya ba\u015fka bir kurban ki\u015fi al\u0131narak bir\u00e7ok ki\u015fi ma\u011fdur ediliyor. <\/p>\n IBAN PAYLA\u015eMANIN SAKINCASI NE?<\/strong><\/p>\n Asl\u0131nda IBAN elbette para transferleriniz i\u00e7in s\u00fcrekli payla\u015f\u0131lan sizin hesab\u0131n\u0131z\u0131 tan\u0131mlayan numaralar b\u00fct\u00fcn\u00fcd\u00fcr, fakat doland\u0131r\u0131c\u0131lar \u00e7ok s\u0131k\u0131\u015ft\u0131klar\u0131 durumda \u00e7evresinden birini bu batakl\u0131\u011fa \u00e7ekmek i\u00e7in yanl\u0131\u015fl\u0131kla para g\u00f6nderdi\u011fini s\u00f6yleyerek sizi bir \u015febeke a\u011f\u0131n\u0131n i\u00e7erisine \u00e7ekebilir. O y\u00fczden g\u00fcvenmedi\u011finiz ki\u015filere dahi IBAN payla\u015f\u0131rken dikkatli olman\u0131z gerekir ve yat\u0131r\u0131lan mebla\u011f\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re bile durduk yere mali inceleme ile kar\u015f\u0131la\u015fabilirsiniz. Bundan dolay\u0131 alaca\u011f\u0131n\u0131z olmayan hi\u00e7 kimse ile IBAN’\u0131n\u0131z\u0131 payla\u015fmay\u0131n.\u201d<\/p>\n AVUKAT UMUT MET\u0130N: \u0130Z\u0130N\u0130 KAYBETT\u0130RMEK \u0130\u00c7\u0130N IBAN KULLANIYORLAR <\/strong><\/p>\n Avukat Umut Metin\u2019in a\u00e7\u0131klamalar\u0131 \u015fu \u015fekilde: \u201cDoland\u0131r\u0131c\u0131l\u0131k maddi menfaat elde etmek gayesiyle hileyle i\u015flenen bir su\u00e7tur. Bu su\u00e7u i\u015fleyenler hem maddi menfaat i\u00e7in ma\u011fdurlar arad\u0131\u011f\u0131 gibi, hem de yarg\u0131sal s\u00fcre\u00e7lerde izini kaybettirmek i\u00e7in bir ba\u015fkas\u0131n\u0131n IBAN\u2019\u0131n\u0131 kullanmaya ihtiya\u00e7 duyabilmektedir. Bu su\u00e7u i\u015fleyenler kendi IBAN\u2019\u0131n\u0131 vermeyece\u011fine g\u00f6re; ya\u015fanan hadiselerde genelde i\u015flenen su\u00e7tan haberi olmayan bir 3. ki\u015finin IBAN bilgisi isteniyor. Su\u00e7u bilmeyenler d\u0131\u015f\u0131nda bir doland\u0131r\u0131c\u0131l\u0131k su\u00e7u i\u015flendi\u011fini bilerek, buradan elde edilen haks\u0131z bedelin tahsili i\u00e7in IBAN\u2019\u0131n\u0131 payla\u015fan ki\u015fi doland\u0131r\u0131c\u0131l\u0131k su\u00e7unun faillerinden biri olur.<\/p>\n IBAN ki\u015fiye ait \u00f6zel bir veridir. Ki\u015finin IBAN\u2019\u0131n\u0131 payla\u015fmas\u0131 gereken yerler, para hareketleri, \u00f6demeler yapt\u0131\u011f\u0131 veya kendisine \u00f6demeler yapacak muhataplar\u0131d\u0131r. Bu nedenle IBAN bilgisinin genel kural olarak ba\u015fkalar\u0131yla payla\u015f\u0131lmamas\u0131 gerekir. Ya\u015fanan olayda oldu\u011fu gibi; hesaba gelecek bedellerin kayna\u011f\u0131n\u0131 a\u00e7\u0131klama zarureti yaratabilir. Bunlar sa\u011fl\u0131kl\u0131 bir \u015fekilde a\u00e7\u0131klanamad\u0131\u011f\u0131 hallerde, birden fazla ki\u015finin birlikte i\u015fledi\u011fi doland\u0131r\u0131c\u0131l\u0131k ve hatta su\u00e7ta i\u015f b\u00f6l\u00fcm\u00fc, s\u00fcreklilik gibi unsurlar varsa, bunun bir \u00f6rg\u00fct faaliyeti \u00e7er\u00e7evesinde i\u015flenen nitelikli doland\u0131r\u0131c\u0131l\u0131k olarak yorumlanmas\u0131 g\u00fcndeme gelebilir. O halde, sanki basit bir konuymu\u015f gibi hangi gaye ile kullan\u0131ld\u0131\u011f\u0131 bilinmeden IBAN payla\u015fmak, san\u0131k olmak ve hatta sonunda belki de doland\u0131r\u0131c\u0131l\u0131ktan cezaland\u0131r\u0131lma riski do\u011furabilir.<\/p>\n BA\u015eINA B\u00d6YLE B\u0130R \u015eEY GELEN NE YAPMALI? <\/strong><\/p>\n IBAN ve internet bankac\u0131l\u0131\u011f\u0131 gibi alanlar\u0131n ba\u015fkalar\u0131nca ele ge\u00e7irildi\u011fi ve ki\u015finin haberi olmadan kullan\u0131ld\u0131\u011f\u0131 \u00f6rnekler de ya\u015fanabilmektedir. Her hal\u00fckarda bir ki\u015fi hesab\u0131na \u015f\u00fcpheli ve geli\u015f sebebini bilemedi\u011fi bir bedel ula\u015ft\u0131\u011f\u0131nda, en h\u0131zl\u0131 \u015fekilde bankas\u0131na telefon bankac\u0131l\u0131\u011f\u0131 yoluyla talimat vererek, hesab\u0131n ve hesaptaki bedelin bloke edilmesini sa\u011flamal\u0131d\u0131r.<\/p>\n Hesab\u0131n ele ge\u00e7irilmesi, c\u00fczdan ve\/veya kart kay\u0131p ve \u00e7al\u0131nt\u0131 hali varsa bu durum derhal bankaya bildirilmelidir. Hesab\u0131na gelen bedelin \u015f\u00fcpheli oldu\u011funu anlayan, bir ba\u015fkas\u0131na teslim etmeyen, bir ba\u015fkas\u0131na havale etmeyen ki\u015finin su\u00e7 i\u00e7inde dahili bulundu\u011funu iddia etmek ise haks\u0131zl\u0131k olabilir. Masum vatanda\u015f\u0131n, kendisine bu sefer de tan\u0131mad\u0131\u011f\u0131 birinden alacak talebi varsa, burada da dikkatli olunmal\u0131d\u0131r. Hesab\u0131 bir \u015fekilde kullan\u0131lan ki\u015fi bedelin kime ait oldu\u011funu bilemeyece\u011fi i\u00e7in, bedelin ilgisine iadesi veya tevdi mahalli tayini denilen y\u00f6ntemler uygulanabilir.<\/p>\n \u2018SIRF IBAN\u2019I KULLANILDI\u011eI \u0130\u00c7\u0130N CEZALANDIRILMASI HAKSIZLIK OLUR\u2019 <\/strong><\/p>\n \u00d6zetle, bir su\u00e7 i\u015flendi\u011fini bilmeksizin tamamen bir tan\u0131d\u0131\u011f\u0131n\u0131n y\u00f6nlendirmesi ile IBAN numaras\u0131n\u0131 veren, su\u00e7 ma\u011fduru veya failleri ile ileti\u015fimi olmayan, ge\u00e7mi\u015fte de bu t\u00fcr su\u00e7lardan adli sicil kayd\u0131 bulunmayan ki\u015finin su\u00e7 i\u00e7inde de\u011ferlendirilmemesi gerekir. Aksi durum, birtak\u0131m sade ve s\u0131radan vatanda\u015flar\u0131n haks\u0131z yere doland\u0131r\u0131c\u0131 yaftas\u0131 ve hatta mahkumiyeti ya\u015famas\u0131na sebep olabilir. \u00d6zellikle i\u015fi g\u00fcc\u00fc belli, sade bir hayat ya\u015fayan doland\u0131r\u0131c\u0131l\u0131k i\u00e7in sebebi de olmay\u0131p, doland\u0131r\u0131lmak istenen ki\u015finin ma\u011fdur olmas\u0131n\u0131 engellemek i\u00e7in \u00e7aba sarf etmi\u015f ki\u015filerin, bu tavr\u0131 dava dosyalar\u0131nda da delillendirilmi\u015f ise s\u0131rf hesab\u0131 (IBAN\u2019\u0131) kullan\u0131ld\u0131\u011f\u0131 i\u00e7in cezaland\u0131r\u0131lmas\u0131 haks\u0131zl\u0131k olur.<\/p>\n \u2018\u00dcCRET KAR\u015eILI\u011eI B\u0130LE OLSA KULLANDIRMAYIN\u2019<\/strong><\/p>\n Di\u011fer taraftan t\u00fcm vatanda\u015flar\u0131m\u0131z\u0131n hesap bilgilerini, IBAN\u2019lar\u0131n\u0131 belirli bir \u00fccret verilece\u011fi vaadiyle de olsa kulland\u0131rmamas\u0131 gerekir. Aksi durumda bir doland\u0131r\u0131c\u0131l\u0131k iddias\u0131yla kar\u015f\u0131la\u015f\u0131lmas\u0131 ihtimali bulunur. Cumhuriyet Ba\u015fsavc\u0131l\u0131klar\u0131 d\u0131\u015f\u0131nda \u00f6zellikle kara para ve su\u00e7 geliri olarak elde edilmi\u015f paran\u0131n takibi konusunda MASAK gibi uzman kurumlar\u0131n\u0131n i\u015flem ve incelemelerine muhatap kal\u0131nabilir.<\/p>\n \u2018EN AZ 8 YIL HAP\u0130S CEZASI VAR\u2019 <\/strong><\/p>\n Bir davada mahkumiyet i\u00e7in tek delil hesab\u0131n kullan\u0131m\u0131 olmamal\u0131d\u0131r. Doland\u0131r\u0131c\u0131l\u0131k kas\u0131t ile i\u015flenen bir su\u00e7tur. Benzer davalarda ismi yer almayan, \u00f6zellikle hayat tecr\u00fcbesi d\u00fc\u015f\u00fck sade vatanda\u015flar\u0131n, kendi masumiyetlerini ifade etmek zorunda kalabilecekleri nitelikli doland\u0131r\u0131c\u0131l\u0131k iddias\u0131yla bir yarg\u0131lamaya muhatap kalmamas\u0131 i\u00e7in dikkatli davranmalar\u0131 gerekir. \u00d6zellikle bili\u015fim sistemleri ve IBAN ba\u011flant\u0131s\u0131yla bankalar\u0131n kullan\u0131m\u0131 nedeniyle olu\u015fan su\u00e7lar\u0131n nitelikli doland\u0131r\u0131c\u0131l\u0131k su\u00e7una imkan verebildi\u011fi dikkate al\u0131nmal\u0131d\u0131r. Su\u00e7un 3’ten fazla ki\u015finin birlikteli\u011fi ile i\u015flenmesi veya bir \u015febekenin (\u00f6rg\u00fct\u00fcn) faaliyeti ile i\u015flenmesi halinde ceza 2 kat\u0131na \u00e7\u0131kmaktad\u0131r. Bu da asgari 8 y\u0131l hapis cezas\u0131 anlam\u0131na gelir ki, vatanda\u015f\u0131n bu t\u00fcr bir iddia ile kar\u015f\u0131la\u015fmamas\u0131 i\u00e7in dikkatli davranmas\u0131 gerekir. Nitelikli doland\u0131r\u0131c\u0131l\u0131k su\u00e7unun \u00f6rg\u00fct faaliyeti \u00e7er\u00e7evesinde i\u015flenmesi halinde cezas\u0131 8 y\u0131ldan 20 y\u0131la kadar varabilmektedir.<\/p>\n PARA TRANSFER\u0130NDE \u2018A\u00c7IKLAMA\u2019 DETAYINA D\u0130KKAT: \u2018BU \u0130\u015eLEM YAPILMAMALI\u2019 <\/strong><\/p>\n Doland\u0131r\u0131c\u0131l\u0131k su\u00e7lar\u0131nda ma\u011fdur olmamak i\u00e7in de hesab\u0131na para g\u00f6nderilecek ki\u015finin bir mal al\u0131nacaksa mal\u0131n resmi sahibi olmas\u0131na, \u201cyak\u0131n\u0131m\u201d \u201cye\u011fenim\u201d \u201ckayn\u0131m\u201d \u201carkada\u015f\u0131m\u201d gibi a\u00e7\u0131klamalarla bir ba\u015fkas\u0131n\u0131n hesab\u0131na para g\u00f6nderilmesi taleplerinde bu i\u015flemlerin yap\u0131lmamas\u0131n\u0131 tavsiye ederiz.\u201d<\/p>\n AVUKAT KEREM OLCAYTO: PARA Z\u0130NC\u0130R\u0130NDEK\u0130 \u0130LK SOMUT HALKA IBAN SAH\u0130B\u0130 <\/strong><\/p>\n Konuyla ilgili Avukat Kerem Olcayto\u2019nun a\u00e7\u0131klamalar\u0131 \u015fu \u015fekilde: \u201cSon y\u0131llarda internet ve mobil bankac\u0131l\u0131k \u00fczerinden i\u015flenen doland\u0131r\u0131c\u0131l\u0131klar\u0131n \u00f6nemli bir k\u0131sm\u0131nda, failler do\u011frudan kendi hesaplar\u0131n\u0131 kullanmak yerine, \u201ctemiz g\u00f6r\u00fcnen\u201d \u00fc\u00e7\u00fcnc\u00fc ki\u015filerin IBAN\u2019lar\u0131n\u0131 ve banka hesaplar\u0131n\u0131 devreye sokuyor. Bu ki\u015filere pratikte \u201chesap kiralayan\u201d veya \u201cpara ta\u015f\u0131y\u0131c\u0131s\u0131\u201d da deniyor.<\/p>\n Senaryo \u00e7o\u011funlukla \u015f\u00f6yle geli\u015fiyor: Fail, \u00e7o\u011fu zaman \u00e7ocukluk arkada\u015f\u0131, okul arkada\u015f\u0131, hem\u015fehri gibi bir g\u00fcven ili\u015fkisini kullan\u0131yor. Banka kay\u0131tlar\u0131nda g\u00f6r\u00fclen tablo \u015fu:<\/p>\n Ma\u011fdur \u2192 IBAN sahibinin hesab\u0131 \u2192 (nakit \/ ba\u015fka IBAN\u2019a transfer)<\/p>\n IBAN sahibi, \u00e7o\u011fu zaman \u201cBen paray\u0131 \u00e7ekip ona verdim\u201d veya \u201cben sadece arac\u0131 oldum\u201d d\u00fc\u015f\u00fcncesiyle hareket ediyor ama ceza hukuku a\u00e7\u0131s\u0131ndan, para zincirindeki ilk somut halka h\u00e2line geliyor. <\/p>\n \u2018IBAN G\u00d6NDERMEKTE NE VAR K\u0130 EN FAZLA PARA G\u00d6NDER\u0130RLER\u2019 ALGISI VAR <\/strong><\/p>\n IBAN bilgisiyle hesab\u0131n\u0131zdan para \u00e7ekilmez, sadece para g\u00f6nderilir. Tam da bu y\u00fczden toplumda \u201cIBAN vermekte ne var ki, en fazla bana para g\u00f6nderirler\u201d alg\u0131s\u0131 var.<\/p>\n \u2018YILLARLA \u0130FADE ED\u0130LEN HAP\u0130S CEZALARI\u2019<\/strong><\/p>\n Ancak hem ceza hukuku hem mali mevzuat a\u00e7\u0131s\u0131ndan bakt\u0131\u011f\u0131n\u0131zda tablo \u015f\u00f6yle:<\/p>\n a) Ceza hukuku riski (TCK m.157, 158, 282) Hesab\u0131n\u0131z\u0131\/IBAN\u2019\u0131n\u0131z\u0131 su\u00e7 gelirinin transferi i\u00e7in bilerek kulland\u0131rman\u0131z h\u00e2linde: Doland\u0131r\u0131c\u0131l\u0131k su\u00e7unda m\u00fc\u015fterek fail veya en az\u0131ndan yard\u0131m eden s\u0131fat\u0131yla sorumluluk g\u00fcndeme gelebiliyor.<\/p>\n Olay\u0131n yap\u0131s\u0131na g\u00f6re, \u201csu\u00e7tan kaynaklanan malvarl\u0131\u011f\u0131 de\u011ferlerini aklama\u201d (TCK m.282) su\u00e7uyla da kar\u015f\u0131 kar\u015f\u0131ya kalman\u0131z m\u00fcmk\u00fcn. Bu durumda risk, idari para cezas\u0131 de\u011fil, y\u0131llarla ifade edilen hapis cezalar\u0131.<\/p>\n b) Mali mevzuat ve MASAK boyutu (5549 say\u0131l\u0131 Kanun m.15)<\/p>\n 5549 say\u0131l\u0131 Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun\u2019un 15. maddesi, \u201cba\u015fkas\u0131 hesab\u0131na i\u015flem yap\u0131ld\u0131\u011f\u0131n\u0131n yaz\u0131l\u0131 olarak bildirilmemesi\u201d fiilini ayr\u0131ca su\u00e7 olarak d\u00fczenliyor.<\/p>\n Maddeye g\u00f6re, kimlik tespitini gerektiren bir bankac\u0131l\u0131k i\u015fleminde: \u201cKendi ad\u0131na, fakat ba\u015fkas\u0131 hesab\u0131na hareket eden ki\u015fi, bu durumu i\u015flemden \u00f6nce yaz\u0131l\u0131 olarak bankaya bildirmezse 6 aydan 1 y\u0131la kadar hapis veya 5.000 g\u00fcne kadar adl\u00ee para cezas\u0131 ile cezaland\u0131r\u0131l\u0131r.\u201d<\/p>\n MASAK rehberleri uyar\u0131nca \u015f\u00fcpheli g\u00f6r\u00fclen para hareketleri bankalar taraf\u0131ndan MASAK\u2019a raporlan\u0131yor; bu da: Hesaplar\u0131n blokeye al\u0131nmas\u0131na,<\/p>\n Bankac\u0131l\u0131k ili\u015fkisinin tamamen sona erdirilmesine,<\/p>\n \u0130leride kredi, hesap a\u00e7ma gibi i\u015flemlerde \u201cy\u00fcksek riskli m\u00fc\u015fteri\u201d etiketiyle kar\u015f\u0131la\u015f\u0131lmas\u0131na yol a\u00e7abiliyor.<\/p>\n c) G\u00fcnl\u00fck hayattaki sonu\u00e7 IBAN\u2019\u0131n\u0131z\u0131 \u201cufak bir iyilik olsun\u201d diye payla\u015fman\u0131z;<\/p>\n Karakolda ifade vermeye,<\/p>\n Savc\u0131l\u0131k soru\u015fturmas\u0131na,<\/p>\n Bazen tutuklama talebiyle h\u00e2kim kar\u015f\u0131s\u0131na \u00e7\u0131kman\u0131za,<\/p>\n Adl\u00ee sicil ve i\u015f hayat\u0131 a\u00e7\u0131s\u0131ndan a\u011f\u0131r sonu\u00e7lara sebep olabiliyor.<\/p>\n Bu nedenle hukuki a\u00e7\u0131dan tavsiyem \u00e7ok net: Kendi bor\u00e7-alacak ili\u015fkiniz olmayan, kayna\u011f\u0131n\u0131 bilmedi\u011finiz hi\u00e7bir paran\u0131n hesab\u0131n\u0131z \u00fczerinden ge\u00e7mesine izin vermeyin.<\/p>\n \u00d6zetle; IBAN payla\u015fmak, hukuken \u201cufak bir iyilik\u201d de\u011fil, sizi a\u011f\u0131r ceza mahkemesinde san\u0131k sandalyesine g\u00f6t\u00fcrebilecek kadar riskli bir davran\u0131\u015ft\u0131r.<\/p>\n Hi\u00e7bir \u015fekilde, kayna\u011f\u0131n\u0131 ve amac\u0131n\u0131 bilmedi\u011finiz paralar\u0131n hesab\u0131n\u0131z \u00fczerinden ge\u00e7mesine izin vermeyin. E\u011fer iyi niyetle IBAN\u2019\u0131n\u0131z\u0131 vermi\u015f ve ad\u0131n\u0131z doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u0131\u015fm\u0131\u015fsa, mutlaka delillerinizi toplay\u0131n, bir avukata ba\u015fvurun ve savunman\u0131z\u0131 g\u00fcncel Yarg\u0131tay i\u00e7tihatlar\u0131na dayand\u0131rarak profesyonelce y\u00fcr\u00fct\u00fcn.\u201d<\/p>\n\n <\/p>\n Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/iban-bilgisi-paylasanlar-dikkat-bu-tuzaga-dusmeyin-en-az-8-yil-hapsi-var-7495314<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Osmaniye\u2019de ya\u015fayan 24 ya\u015f\u0131ndaki Mehmet Demir, \u00e7ocukluk arkada\u015f\u0131n\u0131n iste\u011fi \u00fczerine IBAN g\u00f6nderdikten sonra adeta hayat\u0131 karard\u0131. Birka\u00e7 ay sonra polis taraf\u0131ndan kap\u0131s\u0131 \u00e7al\u0131nd\u0131\u011f\u0131nda doland\u0131r\u0131c\u0131l\u0131k olay\u0131n\u0131n kurban\u0131 oldu\u011funu \u00f6\u011frendi. Peki IBAN payla\u015fman\u0131n ne gibi sak\u0131ncalar\u0131 var? Ki\u015filer nas\u0131l ma\u011fdur oluyor? Ad\u0131 doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u0131\u015fan bir ki\u015fi hukuki olarak ne yapabilir? Konuyla ilgili 2 avukat ve bir siber g\u00fcvenlik uzman\u0131 milliyet.com.tr\u2019ye dikkat \u00e7eken a\u00e7\u0131klamalarda bulundu. \u0130\u015fte detaylar…<\/p>\n","protected":false},"author":1,"featured_media":149184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[813,6887,211,548,811],"class_list":["post-149183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-dolandiricilik","tag-iban","tag-is","tag-para","tag-suc"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/149183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=149183"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/149183\/revisions"}],"predecessor-version":[{"id":149185,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/149183\/revisions\/149185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/149184"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=149183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=149183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=149183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\u201cHesab\u0131m bloke oldu\u201d, \u201climitim doldu\u201d, \u201ci\u015f yerinin \u00f6demesi gecikmesin, senin hesaba gelsin, \u201ckupon paras\u0131 yatacak, sonra sana komisyon b\u0131rak\u0131r\u0131m\u201d gibi c\u00fcmlelerle IBAN istiyor. Ger\u00e7ekte doland\u0131r\u0131lan ki\u015filer, faile de\u011fil, IBAN\u2019\u0131n\u0131 payla\u015fan bu \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye para g\u00f6nderiyor.<\/p>\n
Doland\u0131r\u0131c\u0131l\u0131k su\u00e7unun temel h\u00e2li TCK m.157\u2019de, nitelikli h\u00e2lleri ise m.158\u2019de d\u00fczenlenmi\u015f durumda. Bili\u015fim sistemleriyle veya banka\/kredi kurumlar\u0131 ara\u00e7 k\u0131l\u0131narak i\u015flenmesi h\u00e2li, 158\/1-f bendinde \u00f6zel olarak say\u0131l\u0131yor.<\/p>\n