{"id":86456,"date":"2026-11-14T17:59:46","date_gmt":"2026-11-14T13:59:46","guid":{"rendered":"https:\/\/ictimai.az\/?p=86456"},"modified":"2026-11-14T17:59:48","modified_gmt":"2026-11-14T13:59:48","slug":"unibank-%c9%99m%c9%99kdasinin-must%c9%99ril%c9%99rin-adina-gizli-kredit-oyunu","status":"publish","type":"post","link":"https:\/\/ictimai.az\/?p=86456","title":{"rendered":"\u201cUnibank\u201d \u0259m\u0259kda\u015f\u0131n\u0131n m\u00fc\u015ft\u0259ril\u0259rin ad\u0131na gizli kredit oyunu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">&#8220;Unibank&#8221;\u0131n K\u0259p\u0259z filial\u0131nda mikromaliyy\u0259l\u0259\u015fdirm\u0259 \u00fczr\u0259 ba\u015f m\u00fct\u0259x\u0259ssis i\u015fl\u0259mi\u015f Q.\u0130. il\u0259 ba\u011fl\u0131 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 verilib. O, m\u00fc\u015ft\u0259ril\u0259rin x\u0259b\u0259ri v\u0259 raz\u0131l\u0131\u011f\u0131 olmadan onlar\u0131n ad\u0131na kreditl\u0259r r\u0259smil\u0259\u015fdirm\u0259kd\u0259, pul v\u0259saitl\u0259rini \u0259l\u0259 ke\u00e7irm\u0259kd\u0259, el\u0259c\u0259 d\u0259 r\u0259smi s\u0259n\u0259dl\u0259r\u0259 v\u0259 bank\u0131n informasiya sistemin\u0259 bil\u0259-bil\u0259 yalan m\u0259lumatlar daxil etm\u0259kd\u0259 ittiham olunub.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u0259nc\u0259 \u015e\u0259h\u0259r M\u0259hk\u0259m\u0259sinin q\u0259rar\u0131na \u0259sas\u0259n, Q.\u0130. bar\u0259sind\u0259 Cinay\u0259t M\u0259c\u0259ll\u0259sinin bir s\u0131ra madd\u0259l\u0259ri il\u0259 apar\u0131lan cinay\u0259t i\u015fi \u00fczr\u0259 yaln\u0131z v\u0259zif\u0259 saxtakarl\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 ittihama xitam verilib. Buna s\u0259b\u0259b h\u0259min \u0259m\u0259l \u00fczr\u0259 cinay\u0259t m\u0259suliyy\u0259tin\u0259 c\u0259lbetm\u0259 m\u00fcdd\u0259tinin ba\u015fa \u00e7atmas\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u0259hk\u0259m\u0259 materiallar\u0131nda \u0259ksini tapan ittihama g\u00f6r\u0259, Q.\u0130. bankda i\u015fl\u0259diyi m\u00fcdd\u0259td\u0259 m\u00fc\u015ft\u0259ril\u0259rin \u015f\u0259xsi m\u0259lumatlar\u0131ndan v\u0259 v\u0259zif\u0259 s\u0259lahiyy\u0259tl\u0259rind\u0259n istifad\u0259 ed\u0259r\u0259k onlar\u0131n ad\u0131na kreditl\u0259r r\u0259smil\u0259\u015fdirib. \u0130ddia olunur ki, o, bank\u0131n avtomatla\u015fd\u0131r\u0131lm\u0131\u015f informasiya sistemind\u0259 b\u0259zi m\u00fc\u015ft\u0259ril\u0259rin mobil telefon n\u00f6mr\u0259l\u0259rini \u00f6z n\u00f6mr\u0259si il\u0259 \u0259v\u0259zl\u0259yib. Bununla da kredit \u0259m\u0259liyyatlar\u0131 zaman\u0131 g\u00f6nd\u0259ril\u0259n SMS t\u0259sdiq kodlar\u0131 onun telefonuna daxil olub v\u0259 m\u00fc\u015ft\u0259ril\u0259rin x\u0259b\u0259ri olmadan onlar\u0131n ad\u0131na kreditl\u0259r r\u0259smil\u0259\u015fdirilib.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130ttihama \u0259sas\u0259n, kreditl\u0259r m\u00fc\u015ft\u0259ril\u0259rin kartlar\u0131na k\u00f6\u00e7\u00fcr\u00fcld\u00fckd\u0259n sonra v\u0259saitl\u0259rin bir hiss\u0259si bankomatlardan na\u011fdla\u015fd\u0131r\u0131laraq \u0259l\u0259 ke\u00e7irilib. \u0130\u015f materiallar\u0131nda ayr\u0131-ayr\u0131 m\u00fc\u015ft\u0259ril\u0259rin ad\u0131na 3 min, 6 min, 7 min v\u0259 15 min manat m\u0259bl\u0259\u011find\u0259 kreditl\u0259rin r\u0259smil\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 epizodlar yer al\u0131b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q.\u0130.-nin m\u00fc\u015ft\u0259ril\u0259r\u0259 kredit g\u00f6t\u00fcrm\u0259kd\u0259 k\u00f6m\u0259k ed\u0259c\u0259yini v\u0259d ed\u0259r\u0259k onlardan pul ald\u0131\u011f\u0131 da bildirilir. Bel\u0259 ki, o, b\u0259zi \u015f\u0259xsl\u0259r\u0259 kreditin 36 ay m\u00fcdd\u0259tin\u0259 r\u0259smil\u0259\u015fdiril\u0259c\u0259yini, lakin ilk aylar\u0131n \u00f6d\u0259ni\u015fl\u0259rinin \u0259vv\u0259lc\u0259d\u0259n verilm\u0259li oldu\u011funu deyib. \u0130ttihama g\u00f6r\u0259, m\u00fc\u015ft\u0259ril\u0259rd\u0259n al\u0131nan pullar\u0131n ham\u0131s\u0131 kredit borcunun \u00f6d\u0259nilm\u0259sin\u0259 y\u00f6n\u0259ldilm\u0259yib, m\u00fc\u0259yy\u0259n hiss\u0259si m\u0259nims\u0259nilib.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u0259hk\u0259m\u0259 s\u0259n\u0259dl\u0259rind\u0259 konkret epizodlar da g\u00f6st\u0259rilib. Bir halda m\u00fc\u015ft\u0259rinin kredit borcunun ba\u011flanmas\u0131 \u00fc\u00e7\u00fcn verdiyi 6 min manat\u0131n 2 min 100 manat\u0131 borcun \u00f6d\u0259nilm\u0259sin\u0259 s\u0259rf edilib, qalan 3 min 900 manat\u0131n is\u0259 \u0259l\u0259 ke\u00e7irildiyi iddia olunur. Dig\u0259r epizodda is\u0259 m\u00fc\u015ft\u0259rid\u0259n al\u0131nan 10 min 500 manat\u0131n v\u0259 na\u011fdla\u015fd\u0131rma \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan 300 manat\u0131n m\u0259nims\u0259nildiyi qeyd edilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q.\u0130. ona qar\u015f\u0131 ir\u0259li s\u00fcr\u00fcl\u0259n ittihamlar\u0131n bir hiss\u0259sini q\u0259bul edib. O, ifad\u0259sind\u0259 2017-ci ild\u0259n bankda i\u015fl\u0259diyini, 2020-ci ild\u0259 V\u0259t\u0259n m\u00fcharib\u0259sind\u0259 i\u015ftirak etdiyini, xidm\u0259t zaman\u0131 yax\u0131nl\u0131\u011f\u0131nda minan\u0131n partlamas\u0131ndan sonra psixoloji travma ald\u0131\u011f\u0131n\u0131 v\u0259 m\u00fcalic\u0259 olundu\u011funu bildirib. M\u0259hk\u0259m\u0259-psixiatrik ekspertizas\u0131n\u0131n r\u0259yin\u0259 g\u00f6r\u0259, onda travmadan sonrak\u0131 \u015f\u0259xsiyy\u0259t d\u0259yi\u015fikliyi \u0259lam\u0259tl\u0259ri m\u00fc\u0259yy\u0259n edils\u0259 d\u0259, \u015f\u0259xs cinay\u0259t \u0259m\u0259ll\u0259rini t\u00f6r\u0259d\u0259rk\u0259n \u00f6z h\u0259r\u0259k\u0259tl\u0259rinin mahiyy\u0259tini d\u0259rk etm\u0259k v\u0259 onlar\u0131 idar\u0259 etm\u0259k qabiliyy\u0259tin\u0259 malik olub.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q.\u0130.-y\u0259 Cinay\u0259t M\u0259c\u0259ll\u0259sinin 177.2.2-ci (t\u0259krar o\u011furluq), 177.2.3-1-ci (elektron m\u0259lumat da\u015f\u0131y\u0131c\u0131lar\u0131ndan v\u0259 ya informasiya texnologiyalar\u0131ndan istifad\u0259 etm\u0259kl\u0259 o\u011furluq), 177.2.4-c\u00fc (xeyli miqdarda ziyan vurmaqla o\u011furluq), 178.2.2-ci (t\u0259krar d\u0259l\u0259duzluq), 178.2.3-c\u00fc (v\u0259zif\u0259li \u015f\u0259xsin qulluq m\u00f6vqeyind\u0259n istifad\u0259 etm\u0259kl\u0259 d\u0259l\u0259duzluq), 179.2.2-ci (t\u0259krar m\u0259nims\u0259m\u0259 v\u0259 ya israf etm\u0259), 179.2.3-c\u00fc (v\u0259zif\u0259li \u015f\u0259xsin qulluq m\u00f6vqeyind\u0259n istifad\u0259 etm\u0259kl\u0259 m\u0259nims\u0259m\u0259 v\u0259 ya israf etm\u0259), 179.2.4-c\u00fc (xeyli miqdarda ziyan vurmaqla m\u0259nims\u0259m\u0259 v\u0259 ya israf etm\u0259), 296.1-ci (cinay\u0259t haqq\u0131nda bil\u0259-bil\u0259 yalan x\u0259b\u0259r\u00e7ilik etm\u0259) v\u0259 313-c\u00fc (v\u0259zif\u0259 saxtakarl\u0131\u011f\u0131) madd\u0259l\u0259ri il\u0259 ittiham ir\u0259li s\u00fcr\u00fcl\u00fcb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cinay\u0259t M\u0259c\u0259ll\u0259sinin 313-c\u00fc madd\u0259si \u00fczr\u0259 ittiham\u0131n mahiyy\u0259ti ondan ibar\u0259tdir ki, v\u0259zif\u0259li \u015f\u0259xs qulluq m\u00f6vqeyind\u0259n istifad\u0259 ed\u0259r\u0259k r\u0259smi s\u0259n\u0259dl\u0259r\u0259 v\u0259 ya informasiya sisteml\u0259rin\u0259 bil\u0259-bil\u0259 yalan m\u0259lumatlar daxil edir, yaxud s\u0259n\u0259dl\u0259rd\u0259 saxtala\u015fd\u0131rma apar\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u0259hk\u0259m\u0259 m\u00fc\u0259yy\u0259n edib ki, Q.\u0130.-nin 313-c\u00fc madd\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulan \u0259m\u0259ll\u0259ri 2023-c\u00fc ild\u0259 t\u00f6r\u0259dilib. H\u0259min madd\u0259 \u00fczr\u0259 cinay\u0259t b\u00f6y\u00fck ictimai t\u0259hl\u00fck\u0259 t\u00f6r\u0259tm\u0259y\u0259n cinay\u0259tl\u0259r kateqoriyas\u0131na aid oldu\u011fundan, qanunla m\u00fc\u0259yy\u0259n edilmi\u015f ikiillik cinay\u0259t m\u0259suliyy\u0259tin\u0259 c\u0259lbetm\u0259 m\u00fcdd\u0259ti 2025-ci ild\u0259 ba\u015fa \u00e7at\u0131b. M\u0259hk\u0259m\u0259 istintaqdan v\u0259 ya m\u0259hk\u0259m\u0259d\u0259n yay\u0131nma s\u0259b\u0259bind\u0259n m\u00fcdd\u0259tin dayanmas\u0131na dair \u0259sas da m\u00fc\u0259yy\u0259n etm\u0259yib.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu s\u0259b\u0259bd\u0259n m\u0259hk\u0259m\u0259 Q.\u0130. bar\u0259sind\u0259 Cinay\u0259t M\u0259c\u0259ll\u0259sinin 313-c\u00fc madd\u0259si il\u0259 apar\u0131lan cinay\u0259t t\u0259qibin\u0259 m\u00fcdd\u0259tin ke\u00e7m\u0259si \u0259sas\u0131 il\u0259 xitam verib. Q\u0259rarda bu ittiham \u00fczr\u0259 \u0259m\u0259lin ba\u015f verm\u0259diyi deyil, cinay\u0259t m\u0259suliyy\u0259tin\u0259 c\u0259lbetm\u0259 m\u00fcdd\u0259tinin ba\u015fa \u00e7atd\u0131\u011f\u0131 \u0259sas g\u00f6t\u00fcr\u00fcl\u00fcb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q.\u0130. bar\u0259sind\u0259 daha \u0259vv\u0259l \u00e7\u0131xar\u0131lm\u0131\u015f h\u00f6km\u0259 \u0259sas\u0259n, ona 4 il m\u00fcdd\u0259tin\u0259 azadl\u0131qdan m\u0259hrumetm\u0259 c\u0259zas\u0131 t\u0259yin edilib, h\u0259m\u00e7inin iki il m\u00fcdd\u0259tin\u0259 r\u0259hb\u0259r v\u0259 maddi m\u0259sul v\u0259zif\u0259l\u0259r tutmaq h\u00fcququndan m\u0259hrum olunub. H\u0259min h\u00f6kml\u0259 z\u0259r\u0259r\u00e7\u0259kmi\u015f \u015f\u0259xsl\u0259rd\u0259n birinin m\u00fclki iddias\u0131 da t\u0259min edil\u0259r\u0259k 3 min 900 manat maddi ziyan, 59 manat d\u00f6vl\u0259t r\u00fcsumu v\u0259 330 manat v\u0259kil x\u0259rcinin tutulmas\u0131 q\u0259rara al\u0131n\u0131b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qaynarinfo<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Unibank&#8221;\u0131n K\u0259p\u0259z filial\u0131nda mikromaliyy\u0259l\u0259\u015fdirm\u0259 \u00fczr\u0259 ba\u015f m\u00fct\u0259x\u0259ssis i\u015fl\u0259mi\u015f Q.\u0130. il\u0259 ba\u011fl\u0131 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 verilib. O, m\u00fc\u015ft\u0259ril\u0259rin x\u0259b\u0259ri v\u0259 raz\u0131l\u0131\u011f\u0131 olmadan onlar\u0131n ad\u0131na kreditl\u0259r r\u0259smil\u0259\u015fdirm\u0259kd\u0259, pul v\u0259saitl\u0259rini \u0259l\u0259 ke\u00e7irm\u0259kd\u0259, el\u0259c\u0259 d\u0259 r\u0259smi s\u0259n\u0259dl\u0259r\u0259 v\u0259 bank\u0131n informasiya sistemin\u0259 bil\u0259-bil\u0259 yalan m\u0259lumatlar daxil etm\u0259kd\u0259 ittiham olunub. G\u0259nc\u0259 \u015e\u0259h\u0259r M\u0259hk\u0259m\u0259sinin q\u0259rar\u0131na \u0259sas\u0259n, Q.\u0130. bar\u0259sind\u0259 Cinay\u0259t M\u0259c\u0259ll\u0259sinin bir s\u0131ra madd\u0259l\u0259ri [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":86457,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-86456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-society"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u201cUnibank\u201d \u0259m\u0259kda\u015f\u0131n\u0131n m\u00fc\u015ft\u0259ril\u0259rin ad\u0131na gizli kredit oyunu - \u0130CT\u0130MA\u0130.AZ<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ictimai.az\/?p=86456\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cUnibank\u201d \u0259m\u0259kda\u015f\u0131n\u0131n m\u00fc\u015ft\u0259ril\u0259rin ad\u0131na gizli kredit oyunu - \u0130CT\u0130MA\u0130.AZ\" \/>\n<meta property=\"og:description\" content=\"&#8220;Unibank&#8221;\u0131n K\u0259p\u0259z filial\u0131nda mikromaliyy\u0259l\u0259\u015fdirm\u0259 \u00fczr\u0259 ba\u015f m\u00fct\u0259x\u0259ssis i\u015fl\u0259mi\u015f Q.\u0130. il\u0259 ba\u011fl\u0131 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 verilib. 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