tag:blogger.com,1999:blog-5781168822277307512024-03-12T19:49:01.811-07:00Decisões JudiciaisEduardo Kebian OAB/RJ 180.553 http://www.blogger.com/profile/04574838684636514979noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-578116882227730751.post-78248266426866989832011-02-13T08:59:00.001-08:002011-02-13T08:59:34.959-08:00Cartão clonado: compras e saques indevidos<div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">Esta apelação discute sobre a possibilidade do cartão bancário do consumidor ter sido clonado, pois havia diversas compras e saques que não reconhecia. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">Na sua defesa o banco Santander afirmou que somente o consumidor conhecia a sua senha e por isso outra pessoa não poderia ter feito transações bancárias. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">Esta tese não foi aceita pelo Tribunal de Justiça do Rio de Janeiro, que condenou o Banco Santander a indenizar o consumidor por todos os danos materiais e morais sofridos. Na decisão, é esclarecido que o banco deveria provar que o cartão não foi clonado, o que na foi feito. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"> </div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";"><a href="http://www.tjrj.jus.br/scripts/weblink.mgw?MGWLPN=JURIS&LAB=CONxWEB&PORTAL=1&PORTAL=1&PGM=WEBPCNU88&N=200900107180&Consulta=&CNJ=0003706-75.2006.8.19.0066"><span style="color: windowtext; text-decoration: none;">0003706-75.2006.8.19.0066 (2009.001.07180)</span></a> - APELACAO</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">DECIMA QUINTA CAMARA CIVEL</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><i><span style="font-family: "Century Gothic","sans-serif";">“Os bancos vêm criando departamentos especializados para combate e prevenção a esse tipo de crime cibernético, bem como, têm adotado os meios eletrônicos de pagamento de diversos mecanismos de segurança, como senhas, códigos e chips. atualmente, pode-se afirmar, que a utilização de um <span>cartão</span> de <span>saque</span> pode ser feita à revelia do cliente, não se podendo valer da antiga tese de que o <span>saque</span> só pode ser efetuado mediante a senha conhecida pelo próprio correntista, diante das técnicas de <span>clonagem</span> e apropriação virtual de senhas utilizadas pelos criminosos. não comprovação pelo réu da culpa exclusiva da autora. art. 330, ii, do cpc. ausência de prova da devida utilização do <span>cartão</span> ou medida de cautela por parte do réu na utilização do <span>cartão</span> pela autora. precedentes do STJ”.</span></i></div>Eduardo Kebian OAB/RJ 180.553 http://www.blogger.com/profile/04574838684636514979noreply@blogger.com0tag:blogger.com,1999:blog-578116882227730751.post-37225904511294294622011-02-08T04:32:00.000-08:002011-02-08T04:32:11.637-08:00Cartão clonado: compras e saques indevidos<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:HyphenationZone>21</w:HyphenationZone> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>PT-BR</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><!--[endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;">Esta apelação discute sobre a possibilidade do cartão bancário do consumidor ter sido clonado, pois havia diversas compras e saques que não reconhecia. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;">Na sua defesa o banco Santander afirmou que somente o consumidor conhecia a sua senha e por isso outra pessoa não poderia ter feito transações bancárias. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;">Esta tese não foi aceita pelo Tribunal de Justiça do Rio de Janeiro, que condenou o Banco Santander a indenizar o consumidor por todos os danos materiais e morais sofridos. Na decisão, é esclarecido que o banco deveria provar que o cartão não foi clonado, o que na foi feito. </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0cm 0cm 0.0001pt 2cm; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;"><a href="http://www.tjrj.jus.br/scripts/weblink.mgw?MGWLPN=JURIS&LAB=CONxWEB&PORTAL=1&PORTAL=1&PGM=WEBPCNU88&N=200900107180&Consulta=&CNJ=0003706-75.2006.8.19.0066"><span style="color: windowtext; text-decoration: none;">0003706-75.2006.8.19.0066 (2009.001.07180)</span></a> - APELACAO</span></div><div class="MsoNormal" style="margin: 0cm 0cm 0.0001pt 2cm; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;">DECIMA QUINTA CAMARA CIVEL</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0cm 0cm 0.0001pt 2cm; text-align: justify;"><i><span style="font-family: "Century Gothic","sans-serif"; font-size: 10pt; line-height: 115%;">“Os bancos vêm criando departamentos especializados para combate e prevenção a esse tipo de crime cibernético, bem como, têm adotado os meios eletrônicos de pagamento de diversos mecanismos de segurança, como senhas, códigos e chips. atualmente, pode-se afirmar, que a utilização de um <span>cartão</span> de <span>saque</span> pode ser feita à revelia do cliente, não se podendo valer da antiga tese de que o <span>saque</span> só pode ser efetuado mediante a senha conhecida pelo próprio correntista, diante das técnicas de <span>clonagem</span> e apropriação virtual de senhas utilizadas pelos criminosos. não comprovação pelo réu da culpa exclusiva da autora. art. 330, ii, do cpc. ausência de prova da devida utilização do <span>cartão</span> ou medida de cautela por parte do réu na utilização do <span>cartão</span> pela autora. precedentes do STJ”.</span></i></div><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:HyphenationZone>21</w:HyphenationZone> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>PT-BR</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><!--[endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac>Eduardo Kebian OAB/RJ 180.553 http://www.blogger.com/profile/04574838684636514979noreply@blogger.com8tag:blogger.com,1999:blog-578116882227730751.post-41457463102404959452011-02-06T09:37:00.001-08:002011-02-06T09:38:15.620-08:00LIGHT e CEDAE. Corte por débito antigo é indevido<m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br />
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</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">A CEDAE foi condenada recentemente pelo Tribunal de Justiça do Rio de Janeiro a indenizar um consumidor que teve o abastecimento de água suspenso por existir um débito antigo, vencido há muito tempo. Foi a decisão da Décima Sexta Câmara Cível na Apelação n.º <span style="color: black;"><a href="http://www.tjrj.jus.br/scripts/weblink.mgw?MGWLPN=JURIS&LAB=CONxWEB&PORTAL=1&PORTAL=1&PGM=WEBPCNU88&N=201000120735&Consulta=&CNJ=0037335-41.2006.8.19.0001"><span style="color: black; text-decoration: none;">0037335-41.2006.8.19.0001</span></a></span> </span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Century Gothic","sans-serif";">Decisão:</span></div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify;"><i><span style="font-family: "Century Gothic","sans-serif";">“Na hipótese de cobrança de débitos antigos, não é possível a interrupção deste serviço essencial. Débito em relação à fatura do ano de 2003, com corte em outubro de 2005, restando claro que se trata de dívida pretérita, a qual deve ser cobrada pelas vias ordinárias de cobrança, sendo ilegal o corte. Dano moral configurado. Entendimento consolidado no Enunciado n° 17, no Encontro de Desembargadores desta Corte, em 2009”.</span></i></div>Eduardo Kebian OAB/RJ 180.553 http://www.blogger.com/profile/04574838684636514979noreply@blogger.com2