Bankalardan Kredi Dosya Masraflarını Geri Alma

Bankalardan Kredi Dosya Masraflarını Geri Alma

Çoğunlukla acil ve zorunlu olarak paraya ihtiyaç duymakta olduğumuz zamanlarda başvurduğumuz banka kredileri bizleri dosya masrafı ücreti, yapılandırma ücretleri ve kredi tahsili gibi çok sayıda haksız ekstra ücret ile karşı karşıya bırakmaktadır. İşimizin görülmesi ve işlemlerimizin halledilmesini istediğimizden dolayı itiraz etmediğimiz veya o anda önemsememekte olduğumuz bu ekstra ücretler özellikle biriktikçe son derece ciddi rakamlara kadar ulaşabilmektelerdir. Bu konu ile ilgili haksızlığın kaldırılması için bir karar almış olan Yargıtay bankaların bir işletme olduklarını ve vermekte oldukları her işleme karşılık bir ücret talep edebileceklerini ancak bunun tarafların adil şartlarda imzalamış oldukları bir anlaşma ile gerçekleşmesi gerektiği kararını çıkarmıştır. Kısaca Yargıtay kredi işlemlerinde yapılmakta olan anlaşmalar sırasında bireylerin banka anlaşmasını dikkatlice okumadan işlemler bitsin diye yapmakta olduğu anlaşmaların uzlaşmalar gerçekleştirilmeden yapılması nedeni ile belirli bölümlerini geçersiz kılmaktadır.

Bir neyi haksız kazanç oluşturmakta olan bu ücretlerin ilgili bireylere ödenmesi için ilgili kanun çıktıktan sonra bu durumdan şikâyetçi olan herkesin aklındaki soru ise önceden yapılmış olan kredi anlaşmaları da yasa çerçevesine girecek mi? Sorusu olmakta. Bu sorunun yanıtı ise evet gerekli işlemleri yaptığınız takdirde yasadan önce almış olduğunuz banka kredilerinde yaptığınız anlaşmalar sonucunda ödediğiniz tüm dosya masrafı ücreti gibi Yargıtay tarafından haksız kazanç olarak belirtilmiş olan tüm ödemelerinizi kesintisiz olarak bankanızdan geri alabilmektesiniz. Bu gibi durumlar da paranızı geri alabilmeniz için tek gerekli olan tek şey ise 2200 tl altındaki kredi dosya masrafı ücreti gibi ödemeleriniz için kaymakamlıklarda bulunan tüketici hakem heyetlerine, 2200 tl üzerindeki tüm ödemeleriniz için ise ilinizde bulunan tüketici haklarına başvuruda bulunmanız gerekmektedir. Yapmış olduğunuz başvuruların kabul edilmesi durumunda konu ile ilgili tarafınıza bir ödeme kararı alınıyor ve bankaların bu karara uymaları gerekmektedir. Ancak bireysel olarak dosya masrafı ücreti geri alma gibi ödemeleri bankalar oldukça uzun süreler geciktirebilmektelerdir. Bu sebepten dolayı yetkili bir avukat aracılığı ile yapılması tavsiye edilmekte olan bu işlem için avukatlar tarafından herhangi bir ücret talep edilmemekte, tüm avukat ücretleri de bir içre talebi ile bankaya gidildiğinden dolayı bankalardan alınmaktadır.

179 thoughts on “Bankalardan Kredi Dosya Masraflarını Geri Alma

  • 20 Ocak 2017 at 12:54
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    Yo, good loikon out! Gonna make it work now.

  • 21 Ocak 2017 at 10:25
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    Bardzo dziękujemy za koncert dla rodziców, który odbył się w naszej szkole-ZSS nr 103 w Poznaniu. Było to dla wszystkich niezapomniane przeżycie i dostarczyło wielu wrażeń. Koncert był po prostu wspaniały. Życzymy wielu dalszych sukcesów.

  • 21 Ocak 2017 at 12:51
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    ‘excellent’…but some other people were muttering about having to wait 55 minutes for a drink at the skybar. Great view up there. A weird thing, they have one of those old school revolving dessert display cases, but a lot of the food looks fake.

  • 21 Ocak 2017 at 20:21
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    jaja totalmente, igual “errare humanum est”. El volantazo que pegaron los hizo zafar (-al margen- cuántas z en una oración).Creo que es una deficiencia de grandes agencias, que todavía no se “acostumbran” a lo digital.Abrazo!

  • 21 Ocak 2017 at 20:46
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    Honestly, with solo Jon coming sometime “soon,” Fading West next summer-ish, and House of Heroes/Anberlin/Paper Route’s albums this year, Fiction Family Reunion isn’t hyping me too much. I think it will be solid, but I have liked Jon’s solo stuff and Switchfoot more than FF’s in the past. (I am SUPER psyched for Jon’s album, however. Darren King? On a Foreman album? YES PLEASE.)

  • 21 Ocak 2017 at 21:42
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    Moin Christoph,interessante Geschichten die das Leben so schreibt.Claus hat gestern hier im ZIVIT ausgecheckt und sitzt (schläft) gerade im Flieger.Wenn er heute ankommt, könnt ihr ja zu zweit die Gegend unsicher machen.Viel Spaß noch!Frank

  • 21 Ocak 2017 at 21:52
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    Jeg tror jeg bare hadde nikket anerkjennende og plystret lavt og et lite “Na-Wow” inni meg Na-Wow lærte jeg Ã¥ si i Nigeria. Jeg vet ikke hva det betyr, men det ble uttrykt nÃ¥r det var noe hett som ble observert og det var ikke varmt vann for Ã¥ si det sÃ¥nn :JD

  • 21 Ocak 2017 at 23:00
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    Hey there! Have you ever tried the Intellitus Cash System (search on google)? Ive heard some amazing things about it and my buddy earned plenty of money.

  • 22 Ocak 2017 at 02:32
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    Mister Barozzi, je parle d’écriture et vous me causez quatre-quatre comme une coiffeuse. Dans une époque littéraire à l’esprit lanzmannien, les mêmes profils labourent « la campagne de France ». Mais Finkielkraut a beau être le Polac de Camus, l’homophilie étouffe un peu la plume.

  • 22 Ocak 2017 at 09:56
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    Hey Ken…..It is all about the Karma! What goes around comes around. It is irrelevant who brought this to the paper’s attention. You have no idea how to take responsibility for any of your actions and have an excuse for EVRYTHING. I can not wait for Tues. so I can put Bristol first and vote for WARD! Your lack of integrity leaves me peplexed.

  • 22 Ocak 2017 at 10:56
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    Na das ist ja ein Hammer!Da geht man einmal Samstag abend zu einer Party, und schon ist hier alles gelaufen! :-;Glückwunsch an Fulano und tonari! Super geraten!

  • 22 Ocak 2017 at 12:39
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    Hi once again! Any chance for Metz 24 or 36 tests? I’m still looking for really small unit for my Olympus micro4/3 small camera and there is not much options on market… btw I hope Yongnuo will make something small like Metz 24 but better )

  • 22 Ocak 2017 at 13:40
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    Moderate Muslim. Hmmm. How can they remain moderate when they know the truth of their religion? I imagine the only way a Muslim in the West could remain moderate is to not take their religion literally. That or abandoning it entirely are the only real options.

  • 22 Ocak 2017 at 15:46
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    Raphael, as minhas barras roscadas sao galvanizadas, obresto eu nao tenho certeza. Vou detalhar mais o post, com os contatos e o preço de cada item. Eu acho que paguei uns R$25,00 nas barras, um macete é nao ir com muita informação para estes caras, se eles acharem que voce não manja do assunto, vão querer meter a mão mesmo. Os rolamentos 608 comorei no mercado livre, paguei em torno de 1,50 a 2. Os LM8UU paguei uns U$8,50 a cada 4. Amanha eu publico uma listinha melhor dos fornecedores.

  • 22 Ocak 2017 at 23:16
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    p.s.people are planning schoolies. they are booking things and im freaking out.the worst thing i could think of is goldcoastness.can i come and rain on your parade and bask in bangalow vibes?you should ring me. or write me. or send intuative messages.

  • 23 Ocak 2017 at 01:43
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  • 23 Ocak 2017 at 02:09
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  • 23 Ocak 2017 at 02:50
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    Hate you and your website Dave! I was perfectly happy using the crappy pencils from the stationary cupboard but now I've got a pencil problem. Just ordered a 600 as my life would somehow be empty without it. Just glad I didn't go for the 800… There's always next week. Keep up the great work! Matt

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  • 23 Ocak 2017 at 06:51
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  • 23 Ocak 2017 at 07:59
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  • 24 Ocak 2017 at 08:18
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    Le MAFIE hanno invaso il Nord, hanno conquistato Roma, hanno messo radici a Ciampino, …stanno arrivando a Marino !Occhi aperti, oppure ci troveremo come a Gomorra, e non potremo dire di non essercene accorti !

  • 24 Ocak 2017 at 10:27
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    And I was hoping dragonplayer would stay minimal video player (more like Mplayer) for KDE, what allows to hide all bars but give nice overlay position/play/pause/mute/volume.

  • 24 Ocak 2017 at 16:54
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    Semturs: Going back to Tommy's point from earlier, there are now two cases where you might use the rel/hreflang attributes:1. On link elements (as described in your post)2. On anchor elements that link to content in other languagesAre you saying that we should only use these attributes for case 1 and not case 2? Does Google even support case 2?

  • 24 Ocak 2017 at 17:07
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    ChiyoIch selber finsd beruhigend, wenn ich mal abschalten möchte oder so, geh ich mal ein bisschen in den Wald spazieren und schnüffeln. ^^ Ich find es ist ein schöne Spiel, auch wenns kein richtiges Spiel ist. Doch normale Games mag ich auch sehr. ^^ Hoffentlich werden diese Belgier mehr dran machen.

  • 24 Ocak 2017 at 20:07
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    I’ll cop to self aggrandizement, KLC. I was feeling quite prideful. Still, if your wife had a baby, you’d LOVE those rib-eyes with mushrooms and baked potatoes. (And I would feel aggrand…)

  • 24 Ocak 2017 at 21:25
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    I would love to have this diaper for two reasons. 1, it’s my birthday on the 3rd and 2, my big kids will be with their dad for the fourth, so this happy diaper will make my day a little brighter on baby!

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  • 25 Ocak 2017 at 10:02
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    I’lll be in the city in twwo weeks and will have to visit this store, looks wonderful! I hope you enjoyed your Mother’s Day!Enjoy your day!XXDebra~

  • 25 Ocak 2017 at 10:40
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    That's too bad. I don't spend much time at Big Hollywood (peace be on Andrew Breitbart), but out of curiosity I read some of the comments on Nolte's piece. As you say, they fell right into line with him.If this is typical of the "Big" sites, stronger medicine is needed.

  • 25 Ocak 2017 at 13:18
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    I am 67 I really can't remember any other president lying SO BADLY through out his time in office.I hope and pray this con artist is gone come the 1st of the year At least it would give us another 4 years to maybe, just maybe get jobs back and people out of debt instead of into MORE debt by this crazy administration. Liberals and unions go find another country to destroy.

  • 25 Ocak 2017 at 13:57
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    That breakfast looks amazing!!I am going to have to search out those playtex wipes. What a great idea!I got your salsa in the mail! Can’t wait to try it!!! Thanks again! You are too sweet!

  • 25 Ocak 2017 at 18:28
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    / I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)[]

  • 25 Ocak 2017 at 21:18
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    Excellent! I will look for it. Thanks for the tip about the drinks. I have been drinking them because they are accessible and handy. I’ve had a Costco-sized box of them in the pantry for sometime now. I just need to get myself through something I already had before I actually invest in something else. I crack you up? HA! I swear Glen peeps are the only people who think I am funny. People here, people I know in daily life don’t think so.

  • 25 Ocak 2017 at 21:51
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    Carey Davis – I want (need) something not too complicated so I can convert the digital images & snippets of memorabilia to a tangible album. Thank you for sharing your pages and the chance to win.

  • 26 Ocak 2017 at 03:31
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    Lady is referred to a girl 18 years and younger. When one uses woman, it's any age above 19 years. However, it depends in what context you aim to use these identifers and the agreement of your interviewee.It's your judgment, so use this knowledge at your own discretion.

  • 26 Ocak 2017 at 08:31
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    1:22 pm, October 12, 2012|WOW! that’s awesome! i agree even in this test footage it looks scary as hell. this test footage (and the subsequent actual film footage) is better and looks better than so many modern movies today. and i love Linda Blair!

  • 26 Ocak 2017 at 12:24
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  • 26 Ocak 2017 at 14:07
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    J’adore la partie : « exercices pratiques » !Seul un enseignant a le chic de présenter ça comme ça !Continuez comme ça, et joyeux Noel !

  • 26 Ocak 2017 at 14:53
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    Reading this makes my decisions easier than taking candy from a baby.

  • 26 Ocak 2017 at 15:25
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  • 26 Ocak 2017 at 17:21
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    chris zegt:Ga ook passen gezondheid niet te best, mss sevens wel een koffieke drinken!Lot’s of fun voor wie wel ga varen vandaag

  • 26 Ocak 2017 at 18:31
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    Hello: I have inherited my father’s 1960′s tube Premier 71, and by chance have a friend who repairs old tube amps. It needs cap work. The leather handle is destroyed. Do you know of where I may find a leather handle that closely matches the original? I have seen the vintage Fenders, but was wondering if there is anything closer.Thanks,Mike L.

  • 26 Ocak 2017 at 21:12
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    , I’m not sure that Wallace is that much of an upgrade that justifies giving up LO (as versus say Prince).Marbury is bad. He hasn’t played for like a year, he’s a cancer in the locker room (we have a young team here; he’s a bad influence even if Kobe and Phil rein him in) and plays crappy defense.

  • 28 Ocak 2017 at 01:09
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    Thank you for the good wishes 🙂 Maybe some adventures will end up in a book; quite probably in some modified way. I am surprised how much life itself seems different with them around.

  • 28 Ocak 2017 at 02:29
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    Nagyon örülök, hogy tetszik neked. :))@Zizi: Köszi! @Bianka: Simán kiterjetszhetÅ‘ egy rakás más formára is. ;)@Katucikonyha: Köszönöm! Jaj de jó, örülök, hogy elolvastad! Köszi, azokat majd ma délután posztolom valamikor, de ez még messze áll a bonbonoktól. 🙂 Egyébként a mogyorós jött be nekem a legjobban.@babette fÅ‘z: Nem fogod megbánni! 🙂

  • 28 Ocak 2017 at 04:59
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    Influences ; et contre-influences ; misère des luttes pour sauver la mémoire des morts ; idée géniale de la part de Daniel Bougnoux ; ce chapitre 7 sera peut-être le plus lu ; il occultera les chapitres qui l’entourent ; il fera basculer l’essai dans l’oubli ; dans quelques décennies, il sera l’objet d’une publication à part entière ; dans quelques décennies, beaucoup questionneront les bouquinistes pour retrouver l’essai disparu qui s’enveloppait jadis autour de ce chapitre 7.

  • 28 Ocak 2017 at 05:45
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    Vitor:Victor Cruz pra mim é o top 2! Da mesma forma que no ranking dos TEs, não acho ele melhor do que Fitzgerald ou Andre Johnson, mas acho que no fantasy ele vai ser muito mais lucrativo. Com a saída do Manningham ele vai ganhar ainda mais atenção do Elisha. Já o Fitzgerald, que coisa hein, Cardinals tem uma bazooka mas o atirador não sabe usar. Kolb e Skelton são horríveis! rs

  • 28 Ocak 2017 at 07:03
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    As always, your words move me in a way so few others can. Your story, the perspective, everything, was a wonder to read. Thank you for sharing this and for sharing you with the world.

  • 28 Ocak 2017 at 07:34
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    By any criteria, Mick Jagger takes the prize for current Ugliness. I was surprised by how many started out as one sex and then looked like another as they grew older. Woman to man etc. Really weird.

  • 28 Ocak 2017 at 11:11
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    Hello Joseph, Frank Indiviglio here.Thanks for the note; you’re looking at the right things; skylights make a huge difference in appearance and behavior. Even here in NY, skylights in the world of birds, reptile holding areas and elsewhere prove invaluable. I had one built into the centerpiece exhibit (Sonoran Desert) for the Staten Island Zoo’s reptile house as well, public and animals seem to like it. UVB-permeable glass is available now, but quite expensive.Good luck and please keep me posted.Best regards, Frank Indiviglio.

  • 28 Ocak 2017 at 16:18
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    This is an excellent point. As I was reading it I realized I fit the description of the dog with the stick in its mouth perfectly. I hope that I can drop the stick and then dream of how I would like life to be and work toward goals instead of trying to make life what I think it should be.Lisa McLellan

  • 28 Ocak 2017 at 17:39
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    finot dit :Bravo Flo pour ce site ! Je vais le diffuser auprès de mes amies qui ont maintenant l’âge d’être grand-mères (!) pour certaines !!je t’embrasse ainsi que tes 3 petits loulous. Domitille

  • 28 Ocak 2017 at 18:24
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    Forgot to add that my Wish List includes attending the International Women's Fiction Festival. We can dream, right?A jug of wine, a good book, and YOW.Linda Kupecek

  • 29 Ocak 2017 at 03:30
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    Quand j’ai des aphtes sous la langue et que ça ne passe pas, je vais voir un médecin, qui me donne une consultation.Quand j’ai un mot au bout de la langue et que ça ne passe pas, je peux écrire à , qui me donne (éventuellement) une consultation – si je demande gentiment.Nos “camarades de casse” seraient donc des consultants, ou des consultés ?

  • 29 Ocak 2017 at 06:37
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    Haha…my only problem is the non-matching.   Everything in your man bag sounds exactly right, and I would have to say that, since my husband often carries one.  Better than fumbling around with too much stuff or worse, which is overstuffed pockets. Yuck!

  • 29 Ocak 2017 at 06:47
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  • 29 Ocak 2017 at 10:10
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  • 29 Ocak 2017 at 11:31
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    Buna ziua doamna doctor, as dori sa va adresez o intrebare. Am 27 de ani, sufar de maladia Charcot Marie Tooth, iar sotul meu are 26 de ani si sufera de parapareza spastica (s-a nascut cu aceasta afectiune). Mentionez ca nici unul dintre noi nu mai prezinta in familie membri cu afectiunile prezentate mai sus. Ne dorim un copil si as vrea sa stiu ce risc exista ca acesta sa fie afectat de una dintre aceste boli. Putem efectua anumie teste genetice in acest sens? Multumesc mult.

  • 29 Ocak 2017 at 13:47
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    Hei Martin takk for det, men du har nok misforstÃ¥tt. Disse tipsene er etter endt sesong. NÃ¥ er det ikke spilt mer enn 19 runder av Tippeligaen. Da spiller ikke tabellen like mye. siste seire runde er like før jul, og jeg gÃ¥r fortsatt i shorts og har sommerferie.Søndag, 27. November kan du se etter om tabellen stemmer. Forøvrig sÃ¥ ser det veldig bra ut, med Ã¥ ha ca halvpartene av lagene riktig plasser til litt over halv gÃ¥tt sesong…Vargas

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  • 30 Ocak 2017 at 01:51
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    読んでて段々可笑しくなってきました(ごめんなさい)どんどん浮かんできていっぱい書き込んで、スッキリしただろうなぁと思ったら虚しくなってしまったんですね友人とかにどんどん言ってスッキリしてくださいそれしかないと思います人はそう簡単に変えられません5年、10年の長いスパンでゆっくり変わるものだと思います皆さん書いてますが家のダンナも同じですいえ、ベビーカーを押したり添い寝するだけでもイクメンと呼びたい世間でイクメンともてはやしてますが私ならこれでもイクメンと思います物差しが違うんですね1歳と乳飲み子を「スーパー行ってくるから見ててね」と言えば「連れてけ」友人の家に1時間行って戻ったら「なんかゲロはいたぞ」と、そのままゲロも放置海水浴で2歳の子を砂浜で見てて1歳の子を近所の奥さんがずっと抱いてた事を「ずっと人に預けっぱなしでお前は遊んでた」と数年にわたってネチネチ(ダンナは1歳のそばでみんなと飲んでた)運動会でビデオを撮ってるから写真1枚撮ってくれる?と言えば「(カメラ)なかった事にしれ」と言うので友人に写真を頼みました書いてると本当にキリがない(笑何か言えばキレて怒りまくるので、よけいな事は言いませんダンナが怒鳴って怯えるのは子供ですから、極力怒らせない年長さんになった下の息子と話しててはずみで「世の中にはおしりが3つの人がいるんだよ」と騙す流れになった時「えっ!お父さんも3つなの!?」と「(ながれで)そうだよ~」と言いつつこの子はお父さんの尻が2つだってわからないくらい一緒にお風呂に入った記憶がないんだなぁと思いましたでも、仕事はちゃんとする人だったのし(まぁ‥農業で私も仕事してますが)姑も農業なので家事はそこそこだったので食事の手抜きや掃除の超手抜きはダンナは一切文句は言いませんでした物を頼むと不機嫌になったり激怒しますが私のテリトリー(育児・家事・親戚つきあい・etc‥かなり広い‥)には口出ししませんから(だからノータッチ)私が自分の出来るペースでやってきました文句も言わず今までこなしてきたのは愚痴を言い合える友人達のおかげですね下の息子も20歳になりました私は育児も卒業してすっかり楽ですが親が4人いるので(全員面倒みなきゃならない立場)実家の親はなんとか頑張るとして舅・姑はダンナにも手伝ってもらおうと思っています育児同様、ぜんぶ私まかせだったら頑張って介護して見送ったら離婚しましょうかと思ったりそんなダンナの介護はしたくないですしねぇさて、どうなりますか(含笑1f4d

  • 30 Ocak 2017 at 09:13
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    You can definitely see why they put you on the expert panels. Have a great time! And I hope you don’t get a snorer as a roommate.

  • 30 Ocak 2017 at 13:18
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    Inhottava keli tosiaan tänään ollut! Meillä just äiti antoi sen olipa kerran elämä -dvdt meille ja muksut niitä kattoo silmät tapilla 😀 Onhan ne hyviä ja opettavaisia!Pojat meillä on enemmänki kiinnostuneita kaikesta muusta cars-sälästä mut ei siitä ite leffasta 😀

  • 30 Ocak 2017 at 13:24
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    me encanta todo lo referente a las decoraciones, especialmente cuando son con globos y me gustaria mucho saber si existe algun curso virtual para el aprendizaje de esta tecnica, ya me no puedo desplazarme a una ciudad en la que dicten el curso de forma presencial. gracias

  • 30 Ocak 2017 at 21:49
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    “Chad, here in Canada the government has the ability by law to take our RRSP funds and investments” You are the beneficiary/admin of your investments, if they violate that trust as trustees/govt they are in violation. I’m still learning so hope this helps.. strawmanredemption is Canadian watch?v=Shs4mIcEqp8&feature=mh_lolz&list=FLz3qM_f-eliXVCAaltve-Ug

  • 31 Ocak 2017 at 02:24
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    what a great post! I love fabric bags cuz of the washability (not to mention they weigh nothing) and those are particularly cute. I also really like the wrap-in-mat, very cool!

  • 31 Ocak 2017 at 10:08
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    How funny. I ate Wahaca last night too (but at the far less busy Canary Wharf branch).If you didn't try the Churros for desert you missed out. And the Pork Torta is absolutely amazing too (more of the pibil pork, but in a bun with guacamole, refried beans, habanero sauce and sour cream).

  • 31 Ocak 2017 at 19:15
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    Hi everyone,Since over a year has passed since we published this post, we’re closing the comments to help us focus on the work ahead. If you still have a question or comment you’d like to discuss, free to visit and/or post your topic in our .Thanks and take care,The Webmaster Central Team

  • 1 Şubat 2017 at 00:16
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    My partner and I absolutely love your blog and find the majority of your post’s to be precisely what I’m looking for. Do you offer guest writers to write content for you personally? I wouldn’t mind producing a post or elaborating on some of the subjects you write about here. Again, awesome site!

  • 1 Şubat 2017 at 01:40
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    I love C’bus and Asian food! Too bad it’s a Memorial Day thing – always have too much going on thanks to birthdays and cook-outs and such. Nice post!

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