{"id":9931,"date":"2026-07-03T14:03:48","date_gmt":"2026-07-03T14:03:48","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9931"},"modified":"2026-07-07T10:23:39","modified_gmt":"2026-07-07T10:23:39","slug":"gecici-kredi-uyusmazliklarinda-sabit-ucretli-alicilar-ve-zilyetlik","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/gecici-kredi-uyusmazliklarinda-sabit-ucretli-alicilar-ve-zilyetlik\/","title":{"rendered":"Ge\u00e7ici Kredi Anla\u015fmazl\u0131klar\u0131nda Sabit \u00dccretli Alacakl\u0131lar ve M\u00fclkiyet\u00a0"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Giri\u015f&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7ici finansman kullan\u0131m\u0131nda \u00f6nemli bir art\u0131\u015f ya\u015fanm\u0131\u015f olup, bu durum gayrimenkul geli\u015ftiricilerine, yat\u0131r\u0131mc\u0131lara ve ev sahiplerine likiditeye h\u0131zl\u0131 eri\u015fim imk\u00e2n\u0131 sunmaktad\u0131r. Ancak, k\u00f6pr\u00fc kredileri k\u0131sa vade s\u00fcreleri ve y\u00fcksek faiz oranlar\u0131 nedeniyle y\u00fcksek bir temerr\u00fct oran\u0131na da sahiptir. Bor\u00e7lu, krediyi zaman\u0131nda kapatamad\u0131\u011f\u0131nda, k\u00f6pr\u00fc kredi verenler genellikle uzun s\u00fcren mahkeme s\u00fcre\u00e7lerini atlayarak, teminat alt\u0131na al\u0131nan gayrimenkul\u00fc haczedip satmak \u00fczere derhal Sabit Y\u00fck\u00fcml\u00fcl\u00fck veya M\u00fclkiyet Kanunu (LPA) kapsam\u0131nda atanan tasfiye memurlar\u0131n\u0131 g\u00f6revlendirir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tarihsel olarak, mal sahibinin kendisinin oturdu\u011fu gayrimenkuller s\u00f6z konusu oldu\u011funda, bu icra yolunu yava\u015flatan bir uygulamadaki \u00e7eli\u015fki ortaya \u00e7\u0131km\u0131\u015ft\u0131r. Standart ipotek \u015fartlar\u0131na g\u00f6re, alacakl\u0131y\u0131 sorumluluktan korumak amac\u0131yla, icra memurlar\u0131 yasal olarak bor\u00e7lunun temsilcisi olarak belirlenir. Bu durum, zorlu bir hukuki soruna yol a\u00e7m\u0131\u015ft\u0131r:&nbsp;<em>Bir temsilci, m\u00fclk\u00fcn m\u00fclkiyeti konusunda kendi m\u00fcvekkiline kar\u015f\u0131 nas\u0131l dava a\u00e7abilir?<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00fcksek Mahkeme\u2019de g\u00f6r\u00fclen ve d\u00f6n\u00fcm noktas\u0131 niteli\u011findeki dava:&nbsp;<a href=\"https:\/\/uk.practicallaw.thomsonreuters.com\/w-022-3603?transitionType=Default&amp;contextData=(sc.Default)&amp;firstPage=true\"><em>Menon - Pask Davas\u0131&nbsp;<\/em>2019<em>&nbsp;<\/em>EWHC 2611 (Ch)<em>&nbsp;<\/em><\/a>bu uzun s\u00fcredir devam eden ikilemi \u00e7\u00f6zd\u00fc.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ge\u00e7ici Finansman S\u00fcrecinde \u0130flas \u0130daresinin \u0130\u015fleyi\u015fi&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Menon v Pask karar\u0131n\u0131n \u00f6nemini anlamak i\u00e7in, kredi verenlerin ge\u00e7ici \u00e7\u00f6z\u00fcm anla\u015fmalar\u0131na ili\u015fkin uyu\u015fmazl\u0131klarda neden tasfiye memurlar\u0131na ba\u015fvurmay\u0131 tercih ettiklerini incelemek faydal\u0131 olacakt\u0131r.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir bor\u00e7lu, ge\u00e7ici kredinin \u00f6demesini yapamad\u0131\u011f\u0131nda, kredi verenin temel amac\u0131 sermayesini m\u00fcmk\u00fcn oldu\u011funca \u00e7abuk geri almakt\u0131r. Kirac\u0131lar\u0131n ya da mal sahibinin h\u00e2l\u00e2 i\u00e7inde ya\u015fad\u0131\u011f\u0131 bir gayrimenkul\u00fcn sat\u0131lmas\u0131, piyasa de\u011ferini d\u00fc\u015f\u00fcr\u00fcr ve i\u015flemi geciktirir.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi verenler \u015funlara g\u00fcveniyor: <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/Geo5\/15-16\/20\/contents\">M\u00fclkiyet Hukuku Yasas\u0131 1925<\/a> ve ipotek \u015fartlar\u0131n\u0131 a\u00e7\u0131k\u00e7a belirtmek suretiyle tasfiye memurlar\u0131 atamak. Bu yakla\u015f\u0131m belirgin avantajlar sunmaktad\u0131r:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sorumluluktan Muafiyet:<\/strong>&nbsp;Al\u0131c\u0131, bor\u00e7lunun temsilcisi olarak hareket etti\u011finden, kredi veren \u201cm\u00fclkiyetinde bulunan ipotek alacakl\u0131s\u0131\u201d olarak de\u011ferlendirilmekten ka\u00e7\u0131n\u0131r ve bu sayede do\u011frudan y\u00fck\u00fcml\u00fcl\u00fcklerden ve muhasebe y\u00fck\u00fcml\u00fcl\u00fcklerinden muaf kal\u0131r.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>H\u0131z:<\/strong>&nbsp;Al\u0131c\u0131lar, gayrimenkul\u00fc y\u00f6netmek, kiraya vermek veya sat\u0131\u015fa haz\u0131rlamak i\u00e7in h\u0131zl\u0131 bir \u015fekilde harekete ge\u00e7ebilirler.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uzman Uygulama:<\/strong>&nbsp;Al\u0131c\u0131lar genellikle, varl\u0131klar\u0131n geri kazan\u0131m\u0131n\u0131 en \u00fcst d\u00fczeye \u00e7\u0131karmaya tamamen odaklanm\u0131\u015f gayrimenkul uzmanlar\u0131d\u0131r.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sistem, ticari ama\u00e7l\u0131 veya kirac\u0131lar\u0131n bulundu\u011fu gayrimenkullerde sorunsuz bir \u015fekilde i\u015fliyor. Ancak, bor\u00e7lu ki\u015fi veya m\u00fcteahhit gayrimenkulden ta\u015f\u0131nmay\u0131 reddederse, tasfiye memurlar\u0131 derhal hukuki engellerle kar\u015f\u0131 kar\u015f\u0131ya kal\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ger\u00e7ekler ve \u201cAjans Paradoksu\u201d&nbsp;<em>Menon - Pask Davas\u0131<\/em>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u00e7inde&nbsp;<em>Menon - Pask Davas\u0131<\/em>, Bay ve Bayan Menon, bir i\u015fletme kredisi teminat\u0131 olarak Bat\u0131 Londra\u2019daki konutlar\u0131n\u0131 ipotek ettirdiler. Kredinin geri \u00f6demesi yap\u0131lamay\u0131nca, kredi veren kurum, varl\u0131\u011f\u0131n kontrol\u00fcn\u00fc ele ge\u00e7irmek \u00fczere ortak sabit teminatl\u0131 tasfiye memurlar\u0131 atad\u0131.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menon ailesi evde kalmaya devam etti\u011fi i\u00e7in, tasfiye memurlar\u0131 \u0130l\u00e7e Mahkemesinde m\u00fclkiyet devri davas\u0131 a\u00e7t\u0131. O d\u00f6nemde sekt\u00f6rdeki genel uygulamalar gere\u011fi, dava ba\u015flang\u0131\u00e7ta \u015fu \u015fekilde a\u00e7\u0131lm\u0131\u015ft\u0131:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201cMenon ve Menon, Pask ve Goode\u2019un ortak sabit masraf al\u0131c\u0131lar\u0131 s\u0131fat\u0131yla hareket ederek\u2026 v Menon ve Menon.\u201d<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, bor\u00e7lular\u0131n yasal temsilcileri arac\u0131l\u0131\u011f\u0131yla teknik olarak m\u00fclkiyet hakk\u0131 i\u00e7in kendilerine dava a\u00e7t\u0131klar\u0131 anlam\u0131na geliyordu. Menon ailesi, bu davaya kar\u015f\u0131 iki ana arg\u00fcman \u00f6ne s\u00fcrerek savunma yapt\u0131:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Temsilci-Vekil Bar\u0131:<\/strong>&nbsp;Bir temsilci, m\u00fcvekkilinin sahip oldu\u011fu bir m\u00fclk\u00fcn zilyetli\u011fi konusunda m\u00fcvekkiline kar\u015f\u0131 dava a\u00e7amaz.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>M\u00fclkiyet Hakk\u0131n\u0131n Olmamas\u0131:<\/strong>&nbsp;Al\u0131c\u0131lar, arazi \u00fczerinde yasal bir m\u00fclkiyet hakk\u0131 veya tapuya sahip de\u011fildir; bu da, araziyi i\u015fgal eden malik \u00fczerinde \u00fcst\u00fcn bir zilyetlik hakk\u0131na sahip olmad\u0131klar\u0131 anlam\u0131na gelir.&nbsp;<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130l Mahkemesi bu savunmalar\u0131 reddetti; bunun \u00fczerine bor\u00e7lular Y\u00fcksek Mahkemeye temyiz ba\u015fvurusunda bulundu.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Y\u00fcksek Mahkeme\u2019nin Karar\u0131: Ticari Etkinlik ve Dava Yetkisi&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yarg\u0131\u00e7 Mann, bor\u00e7lular\u0131n temyiz ba\u015fvurusunu reddederek, modern tasfiye i\u015flemlerinin uygulanmas\u0131na ili\u015fkin net kurallar belirlemi\u015ftir. Y\u00fcksek Mahkeme, bu uyu\u015fmazl\u0131\u011f\u0131 iki temel hukuki kavram\u0131 kullanarak \u00e7\u00f6z\u00fcme kavu\u015fturmu\u015ftur:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kendi Adlar\u0131na Dava Edildiler<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mahkeme, bor\u00e7lunun fiilen kendisine dava a\u00e7t\u0131\u011f\u0131 bir davan\u0131n a\u00e7\u0131lmas\u0131n\u0131n usul a\u00e7\u0131s\u0131ndan hatal\u0131 oldu\u011funa h\u00fckmetti. Bunun yerine, tasfiye memurlar\u0131n\u0131n kendi adlar\u0131na bor\u00e7luya kar\u015f\u0131 m\u00fclkiyet iadesi davas\u0131 a\u00e7ma hakk\u0131 bulunmaktad\u0131r. Bu ayr\u0131m, tasfiye memurunun kanuni ve s\u00f6zle\u015fmesel y\u00fck\u00fcml\u00fcl\u00fcklerine sayg\u0131 g\u00f6sterirken usul a\u00e7\u0131s\u0131ndan ortaya \u00e7\u0131kan \u00e7eli\u015fkiyi de \u00e7\u00f6zmektedir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Temel \u0130\u015f Etkinlik Testi<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mahkeme, ilgili ipotek senedinin ticari amac\u0131n\u0131 incelemek \u00fczere kat\u0131 vekalet kurallar\u0131n\u0131n \u00f6tesine bakt\u0131. Yarg\u0131\u00e7 Mann, bir tasfiye memurunun m\u00fclkiyeti ele ge\u00e7irme hakk\u0131n\u0131n \u015fu nedenlerden kaynakland\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130potek, al\u0131c\u0131ya m\u00fclk\u00fc y\u00f6netme, i\u015fleme ve satma yetkisini a\u00e7\u0131k\u00e7a vermektedir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al\u0131c\u0131, m\u00fclk\u00fc bo\u015f ve kullan\u0131ma haz\u0131r bir \u015fekilde devralmad\u0131k\u00e7a, m\u00fclk etkin bir \u015fekilde y\u00f6netilemez veya tam de\u011ferinden sat\u0131lamaz.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al\u0131c\u0131n\u0131n, m\u00fclk\u00fc i\u015fgal eden bor\u00e7luyu tahliye etme hakk\u0131n\u0131 reddetmesi, teminat d\u00fczenlemesini i\u015flevsiz hale getirecek ve temel ticari verimlilik ilkeleriyle \u00e7eli\u015fecektir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Karar, bir tasfiye memurunun m\u00fclkiyetin teslimini talep etmek i\u00e7in resmi bir mal varl\u0131\u011f\u0131na ihtiya\u00e7 duymad\u0131\u011f\u0131n\u0131 teyit etmi\u015ftir. Tasfiye memurunun tek ihtiyac\u0131, bor\u00e7ludan daha \u00fcst\u00fcn ve s\u00f6zle\u015fmeyle desteklenen bir zilyetlik hakk\u0131d\u0131r; bu hak, teminat\u0131n icra edilebilir hale geldi\u011fi anda y\u00fcr\u00fcrl\u00fc\u011fe girer.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bor\u00e7lular \u0130\u00e7in Umut I\u015f\u0131\u011f\u0131: 36. Madde\u2019deki Takdir Yetkisi&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Oysa&nbsp;<em>Menon - Pask Davas\u0131<\/em>&nbsp;Kredi verenler i\u00e7in se\u00e7enekleri geni\u015fletmenin yan\u0131 s\u0131ra, bireysel konut kredisi alanlar i\u00e7in de hayati \u00f6nem ta\u015f\u0131yan bir koruma \u00f6nlemi getirmi\u015ftir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mahkeme, bir bor\u00e7lunun \u015funa dayan\u0131p dayanamayaca\u011f\u0131n\u0131 de\u011ferlendirmi\u015ftir: <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1970\/31\/section\/36\">1970 tarihli Adalet \u0130daresi Kanunu\u2019nun 36. maddesi<\/a> bir tasfiye memuru taraf\u0131ndan a\u00e7\u0131lan m\u00fclkiyet devri davas\u0131n\u0131 ertelemek veya ask\u0131ya almak. Tarihsel olarak, bu koruma yaln\u0131zca do\u011frudan bir&nbsp;<em>ipotek alacakl\u0131s\u0131<\/em>&nbsp;(kredi veren).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yarg\u0131\u00e7 Mann, 36. maddenin tasfiye memurlar\u0131 taraf\u0131ndan a\u00e7\u0131lan m\u00fclkiyet iadesi davalar\u0131na uygulanaca\u011f\u0131na h\u00fckmetti. Mahkeme, tasfiye memurunun, kredi verenin m\u00fclkiyet haklar\u0131n\u0131n uygulanmas\u0131nda bir arac\u0131 olarak hareket etti\u011fine karar verdi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sonu\u00e7 olarak, bireysel konut kredisi bor\u00e7lusu, krediyi \u00f6demek veya makul bir s\u00fcre i\u00e7inde gecikmi\u015f bor\u00e7lar\u0131n\u0131 kapatmak i\u00e7in ger\u00e7ek\u00e7i bir plan sunabildi\u011fi takdirde, mahkemeden tahliye karar\u0131n\u0131n ertelenmesini, ask\u0131ya al\u0131nmas\u0131n\u0131 veya durdurulmas\u0131n\u0131 talep edebilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kredi Anla\u015fmazl\u0131klar\u0131n\u0131 \u00c7\u00f6zmeye Y\u00f6nelik Pratik Stratejiler&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kredi Verenler ve Al\u0131c\u0131lar \u0130\u00e7in Stratejiler<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A\u00e7\u0131k M\u00fclkiyet H\u00fck\u00fcmleri Tasla\u011f\u0131:<\/strong>&nbsp;Kredi s\u00f6zle\u015fmelerinde ve yasal ipotek belgelerinde, al\u0131c\u0131n\u0131n ipotek veren ki\u015fiden m\u00fclk\u00fc bo\u015f olarak devralma konusunda do\u011frudan bir hakka sahip oldu\u011funun a\u00e7\u0131k\u00e7a belirtilmesini sa\u011flay\u0131n.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tazminat Taleplerini Do\u011fru \u015eekilde Sunun:<\/strong>&nbsp;Bor\u00e7luyu, kayy\u0131m\u0131n \u201cad\u0131na hareket eden\u201d davac\u0131 olarak belirtme hatas\u0131na d\u00fc\u015fmeyin. Kayy\u0131mlar\u0131n davay\u0131 kendi ki\u015fisel adlar\u0131yla a\u00e7malar\u0131n\u0131 sa\u011flay\u0131n.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>36. B\u00f6l\u00fcm\u2019deki Tart\u0131\u015fmalara Haz\u0131rlan\u0131n:<\/strong>&nbsp;Konut ama\u00e7l\u0131 gayrimenkuller veya bireysel bor\u00e7lularla ilgili davalarda, savunma taraf\u0131n\u0131n \u00f6ne s\u00fcrd\u00fc\u011f\u00fc ger\u00e7ek\u00e7i olmayan geri \u00f6deme planlar\u0131na veya uygulanamaz yeniden finansman takvimlerine itiraz etmeye haz\u0131r olun.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bor\u00e7lular ve Kefiller \u0130\u00e7in Stratejiler<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kurumsal Muafiyetleri Belirleyin:<\/strong>&nbsp;Bor\u00e7lu bir t\u00fczel ki\u015filik veya limited \u015firket ise, 36. Madde\u2019nin sa\u011flad\u0131\u011f\u0131 koruma ge\u00e7erli de\u011fildir. Bu durumda, odak noktas\u0131, tasfiye memurunun atanmas\u0131n\u0131n ge\u00e7erlili\u011fine veya temerr\u00fct bildiriminin do\u011frulu\u011funa itiraz etmeye kayd\u0131r\u0131lmal\u0131d\u0131r.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ger\u00e7ek\u00e7i \u00c7\u0131k\u0131\u015f ve Geri \u00d6deme Kan\u0131tlar\u0131 Sunun:<\/strong>&nbsp;36. Madde uyar\u0131nca erteleme hakk\u0131n\u0131 ba\u015far\u0131yla elde edebilmek i\u00e7in, bor\u00e7lular\u0131n alternatif bir hizmet sa\u011flay\u0131c\u0131dan gelen resmi bir geri \u00f6deme teklifi veya ge\u00e7erli ve do\u011frulanm\u0131\u015f bir sat\u0131\u015f s\u00f6zle\u015fmesi gibi somut kan\u0131tlar sunmalar\u0131 gerekmektedir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Krediye \u0130li\u015fkin \u00dccretlerin Denetlenmesi:<\/strong>&nbsp;Ge\u00e7ici kredi veren taraf\u0131ndan eklenen temerr\u00fct faiz oranlar\u0131 ve idari \u00fccretlerin, 1974 tarihli T\u00fcketici Kredisi Kanunu kapsam\u0131nda yasad\u0131\u015f\u0131 bir ceza te\u015fkil edip etmedi\u011fini veya haks\u0131z bir ili\u015fki yarat\u0131p yaratmad\u0131\u011f\u0131n\u0131 kontrol edin.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00d6zet&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eu davadaki karar:&nbsp;<em>Menon - Pask Davas\u0131<\/em>&nbsp;k\u00f6pr\u00fc finansman\u0131 sekt\u00f6r\u00fcnde ticari fayda ile t\u00fcketici korumas\u0131n\u0131 dengeler. Temsilcilik paradoksunu \u00e7\u00f6zerek, tasfiye memurlar\u0131n\u0131n teminat\u0131n de\u011ferini ger\u00e7ekle\u015ftirmek amac\u0131yla m\u00fclk\u00fc i\u015fgal eden bor\u00e7lulara m\u00fclkiyet hakk\u0131 talebiyle do\u011frudan dava a\u00e7abilece\u011fini teyit eder.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 zamanda, 36. Maddenin sa\u011flad\u0131\u011f\u0131 korumalar\u0131n bu davalara da geni\u015fletilmesi, bireysel bor\u00e7lular\u0131n uygulanabilir bir mali \u00e7\u00f6z\u00fcm yolu sunabilmeleri halinde m\u00fclklerini kurtarmak i\u00e7in yasal bir araca sahip olmalar\u0131n\u0131 garanti eder. Bu t\u00fcr uyu\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fclmesi, net belgeler, usul\u00fcne uygun ba\u015fvurular ve ipotek davalar\u0131 konusunda bilgi sahibi olmay\u0131 gerektirir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ge\u00e7ici Kredi Anla\u015fmazl\u0131klar\u0131 Avukat\u0131, Ben Lewis \u2013 Bize Ula\u015f\u0131n&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ben Lewis, RFB\u2019nin Dava b\u00f6l\u00fcm\u00fcnde avukat yard\u0131mc\u0131s\u0131 olarak g\u00f6rev yapmaktad\u0131r. Bu konuyla ilgili sorular\u0131n\u0131z i\u00e7in l\u00fctfen Ben Lewis\u2019e e-posta yoluyla \u015fu adresten ula\u015f\u0131n:\u00a0<a href=\"mailto:B.Lewis@rfblegal.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">B.Lewis@rfblegal.co.uk<\/a>\u00a0veya 0203 947 8892 numaral\u0131 telefondan ula\u015fabilirsiniz.<\/p>","protected":false},"author":12,"featured_media":9932,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[81],"class_list":["post-9931","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Introduction The use of bridging finance has grown significantly, offering property developers, investors, and homeowners quick access to liquidity. 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When a borrower fails to exit the facility on time, bridging lenders typically bypass lengthy court channels and immediately appoint Fixed","twitter:image":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg"},"aioseo_meta_data":{"post_id":"9931","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-07-03 14:03:52","updated":"2026-07-07 10:52:51","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/tr\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/\" title=\"Insights\">Insights<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/rfblegal.co.uk\/tr\/kategori\/mulk-davalari\/\" title=\"Property Litigation\">Property Litigation<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tFixed Charge Receivers and Possession in Bridging Loan Disputes \n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/rfblegal.co.uk\/tr"},{"label":"Insights","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/"},{"label":"Property Litigation","link":"https:\/\/rfblegal.co.uk\/tr\/kategori\/mulk-davalari\/"},{"label":"Fixed Charge Receivers and Possession in Bridging Loan Disputes\u00a0","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/gecici-kredi-uyusmazliklarinda-sabit-ucretli-alicilar-ve-zilyetlik\/"}],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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