<TITLE>904/9057/14</TITLE>
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<P class="ps6"><FONT class="fs251"> </FONT><FONT class="fs249"><IMG src="herb.gif" height=68 width=51></FONT></P>
<P class="ps5"><FONT class="fs134">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ </FONT></P>
<P class="ps0"><FONT class="fs133">ÄÍ²ÏÐÎÏÅÒÐÎÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps12"><FONT class="fs132">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps12"><FONT class="fs131">Ð²ØÅÍÍß</FONT></P>
<P class="ps12"> &nbsp;&nbsp;</P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="35 %" class="tds8"><P><FONT class="fs151"> 14.01.15ð.</FONT></P></TD><TD width="12 %" class="tds8"><BR>
</TD><TD width="53 %" class="tds8"><P class="ps17"><FONT class="fs150">Ñïðàâà ¹ 904/9057/14</FONT></P></TD></TR>
<P class="ps16"><FONT class="fs149">Çà ïîçîâîì</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "ÏÐÈÂÀÒÁÀÍÊ", </P>
<P class="ps7">ì. Äí³ïðîïåòðîâñüê<FONT class="fs148"> </FONT></P>
<P class="ps1"><FONT class="fs147">äî</FONT> Â-1: Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Óêðà¿íñüêå Ô³íàíñîâå Àãåíòñòâî "ÂÅÐÓÑ", ì. Äí³ïðîïåòðîâñüê </P>
<P class="ps1"> &nbsp;&nbsp;Â-2: Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÊÎÐÄÎÍ-80", ì. Êîðþê³âêà, Êîðþê³âñüêèé ðàéîí, ×åðí³ã³âñüêà îáëàñòü </P>
<P class="ps1"><FONT class="fs146">ïðî</FONT> ñòÿãíåííÿ 67&nbsp; 382,60 ãðí. &nbsp;&nbsp;&nbsp;</P>
<P><FONT class="fs145"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ</FONT> &nbsp;Òóð÷èí Ñ.Î.</P>
<P class="ps10"><FONT class="fs144">Ñåêðåòàð</FONT> <FONT class="fs143">ñóäîâîãî çàñ³äàííÿ</FONT> Ñåðã³ºíêî Ï.Ì.<FONT class="fs142"> &nbsp;</FONT></P>
<P class="ps1"><FONT class="fs141"> Ïðåäñòàâíèêè:</FONT></P>
<P class="ps1"> â³ä ïîçèâà÷à - íå ç`ÿâèâñÿ</P>
<P class="ps1"> â³ä â³äïîâ³äà÷à 1 - íå ç`ÿâèâñÿ</P>
<P> â³ä â³äïîâ³äà÷à 2 - íå ç`ÿâèâñÿ</P>
<P class="ps11"><FONT class="fs140">ÑÓÒÜ ÑÏÎÐÓ:</FONT></P>
<P class="ps8">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(äàë³  Ïîçèâà÷) &nbsp;çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ç ïîçîâîì äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Óêðà¿íñüêå Ô³íàíñîâå Àãåíòñòâî "ÂÅÐÓÑ" (äàë³  Â³äïîâ³äà÷  1), òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÊÎÐÄÎÍ-80" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(äàë³  Â³äïîâ³äà÷  2) ïðî ñòÿãíåííÿ ñîë³äàðíî ç â³äïîâ³äà÷à-1 òà â³äïîâ³äà÷à-2 çàáîðãîâàíîñò³ ó ðîçì³ð³ 67&nbsp; 382,60 ãðí., ç ÿêèõ 47&nbsp; 137,66 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 13 040,58 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 4 583,68 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 2 620,68 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì. </P>
<P class="ps8">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ òèì, ùî â³äïîâ³äà÷åì - 2 ïîðóøåí³ çîáîâÿçàííÿ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ Á/Í â³ä 03.11.2011ð., ùîäî ñâîº÷àñíîãî òà ïîâíîãî ïîâåðíåííÿ êðåäèòó.</P>
<P class="ps8">Âèìîãè ùîäî ñîë³äàðíî¿ â³äïîâ³äàëüíîñò³ â³äïîâ³äà÷à-1 îá´ðóíòîâàí³ òèì, ùî çà óìîâ óêëàäåíîãî ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷åì-1 äîãîâîðó ïîðóêè ¹E0209CNKOO02Z â³ä 11.11.2012ð., îñòàíí³é &nbsp;âçÿâ íà ñåáå çîáîâÿçàííÿ ó âèïàäêó íåâèêîíàííÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;â³äïîâ³äà÷åì-2 ñâîãî îáîâÿçêó ïåðåäáà÷åíîãî äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³äïîâ³äàòè ïåðåä Ïîçèâà÷åì.</P>
<P class="ps8">Ñòàíîì íà 21.08.2014ð. çàáîðãîâàí³ñòü ïî ïîãàøåííþ êðåäèòó ñêëàëà  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;67&nbsp; 382,60 ãðí., ç ÿêèõ:</P>
<P class="ps8">- 47&nbsp; 137,66 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì;</P>
<P class="ps8">- 13&nbsp; 040,58 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps8">- 4&nbsp; 583,68 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ`ÿçàíü çà äîãîâîðîì;</P>
<P class="ps9">- 2&nbsp; 620,68 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì.</P>
<P class="ps9">Óõâàëîþ ñóäó â³ä 18.11.14ð. ïîðóøåíî ïðîâàäæåííÿ ïî ñïðàâ³ òà ïðèçíà÷åíî ñëóõàííÿ íà 03.12.14 ð.</P>
<P class="ps9">03.12.14ð. â ñóäîâå çàñ³äàííÿ ïîâíîâàæí³ ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü. Ïðåäñòàâíèêîì ïîçèâà÷à ïîäàíî êëîïîòàííÿ ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çà ðåçóëüòàòàìè ñóäîâîãî çàñ³äàííÿ ðîçãëÿä ñïðàâè â³äêëàäåíî äî 23.12.14ð.</P>
<P class="ps9">23.12.14ð. â ñóäîâå çàñ³äàííÿ ïîâíîâàæí³ ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çà ðåçóëüòàòàìè ñóäîâîãî çàñ³äàííÿ ðîçãëÿä ñïðàâè â³äêëàäåíî äî 14.01.15ð.</P>
<P class="ps9">14.01.15ð. â ñóäîâå çàñ³äàííÿ ïîâíîâàæí³ ïðåäñòàâíèêè ñòîð³í íå ç'ÿâèëèñü. Ïðåäñòàâíèêîì ïîçèâà÷à ïîäàíî êëîïîòàííÿ ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ ïðåäñòàâíèêà ïîçèâà÷à.</P>
<P class="ps9">Â³äïîâ³äíî äî ï.3.9.1. ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011ð. ¹ 18 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿", îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè. Ó ðàç³ ïðèñóòíîñò³ ñòîðîíè àáî ³íøîãî ó÷àñíèêà ñóäîâîãî ïðîöåñó â ñóäîâîìó çàñ³äàíí³ ïðîòîêîë ñóäîâîãî çàñ³äàííÿ, â ÿêîìó â³äîáðàæåí³ â³äîìîñò³ ïðî ÿâêó ñòîð³í (ïóíêò 4 ÷àñòèíè äðóãî¿ ñòàòò³ 81<FONT class="fs243">1</FONT> ÃÏÊ), º íàëåæíèì ï³äòâåðäæåííÿì ïîâ³äîìëåííÿ òàêî¿ ñòîðîíè (³íøîãî ó÷àñíèêà ñóäîâîãî ïðîöåñó) ïðî ÷àñ ³ ì³ñöå íàñòóïíîãî ñóäîâîãî çàñ³äàííÿ. Çà çì³ñòîì ö³º¿ íîðìè, çîêðåìà, â ðàç³ ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ áóëî íàä³ñëàíî çà íàëåæíîþ àäðåñîþ (òîáòî ïîâ³äîìëåíîþ ñóäó ñòîðîíîþ, à â ðàç³ íåíàäàííÿ ñóäó â³äïîâ³äíî¿ ³íôîðìàö³¿ - àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â), ³ íå ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó àáî ïîâåðíóòî ç ïîñèëàííÿì íà â³äñóòí³ñòü (âèáóòòÿ) àäðåñàòà, â³äìîâó â³ä îäåðæàííÿ, çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ ïîøòîâîãî â³äïðàâëåííÿ òîùî, òî ââàæàºòüñÿ, ùî àäðåñàò ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ñóäîì.</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Òàê, &nbsp;çã³äíî &nbsp;âèòÿãó &nbsp;ç ªÄÐÏÎÓ àäðåñîþ â³äïîâ³äà÷à-1 º: ì. Äí³ïðîïåòðîâñüê, âóë. Íàáåðåæíà Çàâîäñüêà, áóä. 9. Â³äïîâ³äà÷ó-1 áóëè íàïðàâëåí³ ñóäîâ³ ïîâ³ñòêè çà âêàçàíîþ àäðåñîþ, ùî ï³äòâåðäæóºòüñÿ íàÿâíèì â ìàòåð³àëàõ ñïðàâè ïîøòîâèìè êîíâåðòàìè, ùî ïîâåðíóëèñÿ äî ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ç â³äì³òêîþ ïðî çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ.</P>
<P class="ps9">Â³äïîâ³äà÷³ â ñóäîâ³ çàñ³äàííÿ íå ç'ÿâèëèñü, âèìîãè ñóäó íå âèêîíàëè.</P>
<P class="ps9">Çã³äíî ç³ ñò. 75 ÃÏÊ Óêðà¿íè çà ðåçóëüòàòàìè ñóäîâîãî çàñ³äàííÿ ñïðàâó áóëî ðîçãëÿíóòî çà íàÿâíèìè â í³é ìàòåð³àëàìè òà îðèã³íàëàìè äîêóìåíò³â íàäàíèõ ïîçèâà÷åì äîäàòêîâî íà âèìîãè ñóäó â îá´ðóíòóâàííÿ ñâî¿õ ïîçîâíèõ âèìîã. </P>
<P class="ps9">Â ñóäîâîìó çàñ³äàíí³, â ïîðÿäêó ñò. 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ.</P>
<P class="ps9">Ô³êñàö³ÿ ñóäîâîãî ïðîöåñó òåõí³÷íèìè çàñîáàìè íå ïðîâîäèëàñÿ.</P>
<P class="ps9">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ñóä </P>
<P class="ps13"><FONT class="fs139">Â Ñ Ò À Í Î Â È Â:</FONT></P>
<P class="ps9">03.11.2011ð. òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÊÎÐÄÎÍ-80" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(äàë³ - â³äïîâ³äà÷ - 2) ï³äïèñàíà çàÿâà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè.</P>
<P class="ps9">Â³äïîâ³äíî äî 3.18.1.16. Óìîâ - ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê /³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³), Áàíê ³ Êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â Êë³ºíòà ó âèãëÿä³ åëåêòðîííî-öèôðîâîãî ï³äïèñó òà/àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, ñïðÿìîâàíèé Áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó, ÿêèé íàëåæèòü óïîâíîâàæåí³é îñîá³ Êë³ºíòà ç ïðàâîì "ïåðøîãî" ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</P>
<P class="ps9">Â³äïîâ³äíî äî ñò. 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ" - Åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</P>
<P class="ps9">Ó â³äïîâ³äíîñò³ ç ÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè - ÿêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.1.1. Óìîâ - êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêà òà Êë³ºíòà.</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.1.3. Óìîâ - êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps9">Â³äïîâ³äíî äî 3.18.1.8 Óìîâ - Ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê / ³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - Óãîäà).</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.1.6. Óìîâ çàçíà÷àº, ùî Ë³ì³ò ìîæå áóòè çì³íåíèé Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè Áàíêó. Ï³äïèñàâøè Óãîäó, Êë³ºíò âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà Ë³ì³òó ïðîâîäèòüñÿ Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó ³ Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ²íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</P>
<P class="ps9">Çã³äíî ç ñò.ñò. 525, 526, 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì âiäïîâiäíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà. Îäíîñòîðîííÿ â³äìîâà âiä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çìiíà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. ßêùî ó çîáîâÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps9">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, ñâî¿ çîáîâ'ÿçàííÿ çà äîãîâîðîì ïîçèâà÷ âèêîíàâ â ïîâíîìó îáñÿç³  íàäàâ íàäàâøè â³äïîâ³äà÷ó - 2 êðåäèòíèé ë³ì³ò â ðîçì³ð³ 53&nbsp; 100,00ãðí., ùî ï³äòâåðäæóºòüñÿ &nbsp;çàëó÷åíîþ äî ìàòåð³àë³â ñïðàâè êîï³ºþ áàíê³âñüêî¿ âèïèñêè ïî ðàõóíêó.</P>
<P class="ps9">Çà ñòàòòåþ ñò.625 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ.</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.2.2.2. Óìîâ, &nbsp;Êë³ºíò çîáîâ'ÿçàíèé ñïëàòèòè ïðîöåíòè çà âåñü ÷àñ ôàêòè÷íîãî êîðèñòóâàííÿ êðåäèòîì çã³äíî ï.ï.3.18.4.1., 3.18.4.2, 3.18.4.3.</P>
<P class="ps9">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.18.4. ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ Êë³ºíò âèïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps9">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³ - "ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ"), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps9">Ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ.</P>
<P class="ps9">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 48 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³ 0,1315% â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</P>
<P class="ps9">Â³äïîâ³äà÷åì ïðèéíÿò³ íà ñåáå çîáîâ'ÿçàííÿ íå âèêîíàí³, ó çâ'ÿçêó ç ÷èì Áàíêîì áóëî íàïðàâëåíî íà àäðåñó â³äïîâ³äà÷à-2 ïðåòåíç³þ ïðî íåãàéíå ïîãàøåííÿ â³äïîâ³äà÷åì ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ â³ä 05.08.14ð. Íàïðàâëåííÿ ïðåòåíç³¿ ï³äòâåðäæåíî äîëó÷åíèìè äî ìàòåð³àë³â ñïðàâè îïèñîì âêëàäåííÿ äî ö³ííîãî ëèñòà òà ñïèñêîì çãðóïîâàíèõ ïîøòîâèõ â³äïðàâëåíü. Äàíà ïðåòåíç³ÿ çàëèøåíà â³äïîâ³äà÷åì áåç â³äïîâ³ä³.</P>
<P class="ps9">Çã³äíî ç ñò. 546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèêîíàííÿ çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ, ïîðóêîþ, ãàðàíò³ºþ, çàñòàâîþ, ïðèòðèìàííÿì, çàâäàòêîì.</P>
<P class="ps9">Íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî iíøå ìàéíî, ÿêi áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâi ó ðàçi ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó âiäñîòêàõ âiä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. Ïðåäìåòîì íåóñòîéêè ìîæå áóòè ãðîøîâà ñóìà, ðóõîìå i íåðóõîìå ìàéíî. ßêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçìið âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâiëüíîãî çàêîíîäàâñòâà. Ðîçìið íåóñòîéêè, âñòàíîâëåíèé çàêîíîì, ìîæå áóòè çáiëüøåíèé ó äîãîâîði (ñò.ñò. 549, 551 ÖÊ Óêðà¿íè).</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.1.13. Óìîâ, ïðè ïîðóøåíí³ Êë³ºíòîì ÿêîãî  íå áóäü ç ãðîøîâèõ çîáîâÿçàíü Êë³ºíò ñïëà÷óº Áàíêó ïðîöåíòè òà ïåíþ çà êîðèñòóâàííÿ êðåäèòîì â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ ó ðîçì³ð³, ïåðåäáà÷åíèì äàíèì ðîçä³ëîì Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps9">Çã³äíî ç ï. 3.18.4.1.3. Óìîâ, ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíê) ïåíþ ó ðîçì³ð³ 0,1315% â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.4.1.4. Óìîâ, ï³ä "íåïîãàøåííÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</P>
<P class="ps9">Ïóíêòîì. 3.18.4.9. Óìîâ ïåðåäáà÷åíî. ùî ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç ìîìåíò³ óòâîðåííÿ íà ïîòî÷íîìó ðàõóíêó äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, çà ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ äå ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè.</P>
<P class="ps9">Òàêèì ÷èíîì, çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì &nbsp;ñêëàäàº ó ðîçì³ð³ 13&nbsp; 040,58 ãðí. </P>
<P class="ps9">Â³äïîâ³äíî äî ï. 3.18.4.10. Óìîâ, ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè. </P>
<P class="ps9">Çã³äíî ç ï. 3.18.2.3.4. Óìîâ, Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</P>
<P class="ps9">Â³äïîâ³äíî äî 3.18.5.1 Óìîâ, ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè ï.ï. 3.18.2.2.2, 3.18.4.1, 3.18.4.2, 3.18.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï. 3.18.1.8, 3.18.2.2.3, 3.18.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíîãî ï.ï. 3.18.2.2.5, 3.18.4.4, 3.18.4.5, 3.18.4.6 Êë³ºíò ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ Áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ï. 3.18.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</P>
<P class="ps9">Â³äïîâ³äíî äî 3.18.5.4 Óìîâ - íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.18.5.1., 3.18.5.2., 3.18.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</P>
<P class="ps9">Ó çàçíà÷åíèé äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹Á/Í â³ä 03.11.2011ð. òåðì³í â³äïîâ³äà÷-2 íå âèêîíàâ &nbsp;çîáîâ'ÿçàííÿ â ÷àñòèí³ ñïëàòè çàáîðãîâàíîñò³ çà îòðèìàíèé êðåäèò, ùî º ï³äñòàâîþ äëÿ íàðàõóâàííÿ &nbsp;ïåí³ ó ðîçì³ð³ 4&nbsp; 583,68 ãðí.</P>
<P class="ps9">Çã³äíî ç ï.3.18.1.17. Óìîâ, ïðè ïåðåðàõóâàíí³ Êë³ºíòîì ç ïîòî÷íîãî &nbsp;ðàõóíêó êîøò³â çà ðàõóíîê êðåäèòíîãî ë³ì³òó íà ëþá³ ðàõóíêè àáî ïëàñòèêîâ³ êàðòêè, äåðæàòåëÿìè ÿêîãî º ñàì âëàñíèê ïîòî÷íîãî ðàõóíêó àáî ëþá³ ïîâ'ÿçàí³ ç íèì ô³çè÷í³ îñîáè (çà âèíÿòêîì çàðàõóâàíü çàðîá³òíî¿ ïëàòè) ç ñóìè êîæíîãî ³ç ïðîâåäåíîãî â ðàõóíîê êðåäèòíîãî ë³ì³òó ïåðåðàõóâàíü ñòÿãóºòüñÿ êîì³ñ³éíà âèíàãîðîäà ó ðîçì³ð³ 3% â³ä ñóìè ïåðåðàõóâàíü. Êë³ºíò äîðó÷àº Áàíêó ñïèñóâàòè ñóìè òàêî¿ êîì³ñ³éíî¿ âèíàãîðîäè, ùî íàëåæàòü äî ñïëàòè Áàíêó, ç³ ñâîãî ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps9">Òàêèì ÷èíîì, çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì &nbsp;ñêëàäàº ó ðîçì³ð³ 2&nbsp; 620,68 ãðí.</P>
<P class="ps9">Â³äïîâ³äíî äî ñò. 33, 34 &nbsp;Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü. Îáñòàâèíè ñïðàâè, ÿê³ &nbsp;â³äïîâ³äíî äî &nbsp;çàêîíîäàâñòâà &nbsp;ïîâèíí³ áóòè &nbsp;ï³äòâåðäæåí³ &nbsp;ïåâíèìè &nbsp;çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ.</P>
<P class="ps9">Â³äïîâ³äà÷ íå íàäàâ ñóäó äîêàç³â â³äñóòíîñò³ áîðãó.</P>
<P class="ps9">Çîáîâ'ÿçàííÿ çà âêàçàíèì Êðåäèòíèì äîãîâîðîì çàáåçïå÷åíî äîãîâîðîì ïîðóêè ¹E0209CNKOO02Z â³ä 11.11.2012ð., óêëàäåíèì ç ïîðó÷èòåëåì òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Óêðà¿íñüêå ô³íàíñîâå àãåíòñòâî Âåðóñ (Â³äïîâ³äà÷-1) â çàáåçïå÷åííÿ âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ Á/Í â³ä 03.11.2011 ð.</P>
<P class="ps9">Çã³äíî ï. 1 äîãîâîðó ïîðóêè, ïðåäìåòîì º íàäàííÿ ïîðóêè â³äïîâ³äà÷åì-1 ïåðåä Áàíêîì, çà âèêîíàííÿ â³äïîâ³äà÷åì-2 âñ³õ ñâî¿õ îáîâ'ÿçê³â çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ Á/Í â³ä 03.11.2011 ð.</P>
<P class="ps9">Â³äïîâ³äíî äî âèìîã ñò. ñò. 610, 554 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, Áîðæíèê òà Ïîðó÷èòåëü íåñóòü â³äïîâ³äàëüí³ñòü ÿê ñîë³äàðí³ áîðæíèêè.</P>
<P class="ps9">Âðàõîâóþ÷è âèêëàäåíå, ñóä ââàæàº âèìîãè &nbsp;ïîçèâà÷à &nbsp;îá´ðóíòîâàíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ &nbsp;ó çàãàëüí³é ñóì³ &nbsp;67&nbsp; 382,60 ãðí., ÿêà ñêëàäàºòüñÿ ç ñóì: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47&nbsp; 137,66 ãðí. - çàáîðãîâàíîñò³ çà êðåäèòîì, 13 040,58 ãðí. - çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 4&nbsp; 583,68 ãðí. - ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì, 2&nbsp; 620,68 ãðí. - çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps9">Ïðèïèñàìè ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ñóäîâèé çá³ð ïîêëàäàºòüñÿ &nbsp;ó ñïîðàõ, ùî âèíèêàþòü ïðè âèêîíàíí³ &nbsp;äîãîâîð³â &nbsp;òà &nbsp;ç &nbsp;³íøèõ ï³äñòàâ, - íà ñòîðîíè &nbsp;ïðîïîðö³éíî &nbsp;ðîçì³ðó &nbsp;çàäîâîëåíèõ &nbsp;ïîçîâíèõ âèìîã.</P>
<P class="ps9">ßêùî &nbsp;ñï³ð &nbsp;âèíèê &nbsp;âíàñë³äîê &nbsp;íåïðàâèëüíèõ &nbsp;&nbsp;&nbsp;ä³é &nbsp;&nbsp;&nbsp;ñòîðîíè, ãîñïîäàðñüêèé ñóä ìàº ïðàâî ïîêëàñòè íà íå¿ ñóäîâèé çá³ð íåçàëåæíî â³ä ðåçóëüòàò³â âèð³øåííÿ ñïîðó.</P>
<P class="ps9">Â³äïîâ³äíî äî àáçàöó 3 ï/ï 4.1 ï. 4 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 21.02.2013ð. ¹7 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ ðîçä³ëó VI Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè", ÿêùî ïðîïîðö³¿ çàäîâîëåííÿ ïîçîâíèõ âèìîã òî÷íî âèçíà÷èòè íåìîæëèâî (çîêðåìà, ïðè ÷àñòêîâîìó çàäîâîëåíí³ ïîçîâó íåìàéíîâîãî õàðàêòåðó), òî ñóäîâ³ âèòðàòè ðîçïîä³ëÿþòüñÿ ì³æ ñòîðîíàìè ïîð³âíó. Ó ðàç³ êîëè ïîçîâ íåìàéíîâîãî õàðàêòåðó çàäîâîëåíî ïîâí³ñòþ ñòîñîâíî äâîõ ³ á³ëüøå â³äïîâ³äà÷³â àáî ÿêùî ïîçîâ ìàéíîâîãî õàðàêòåðó çàäîâîëåíî ñîë³äàðíî çà ðàõóíîê äâîõ ³ á³ëüøå â³äïîâ³äà÷³â, òî ñóäîâ³ âèòðàòè òàêîæ ðîçïîä³ëÿþòüñÿ ì³æ â³äïîâ³äà÷àìè ïîð³âíó. Ñîë³äàðíå ñòÿãíåííÿ ñóìè ñóäîâèõ âèòðàò çàêîíîì íå ïåðåäáà÷åíî. </P>
<P class="ps9">Âðàõîâóþ÷è âèêëàäåíå, òà ïðèéìàþ÷è äî óâàãè, ùî, ÿê â³äïîâ³äà÷-1, òàê ³ â³äïîâ³äà÷-2 íå âèêîíàëè ñâî¿õ îáîâÿçê³â çà äîãîâîðàìè ïî ñïëàò³ áîðãó, âèìîãè ïîçèâà÷à â³äíîñíî â³äïîâ³äà÷à-1 òà â³äïîâ³äà÷à-2 çàäîâîëåíî â ïîâíîìó îáñÿç³, ñóä ââàæàº çà íåîáõ³äíå ñóäîâ³ âèòðàòè ïîêëàñòè íà â³äïîâ³äà÷³â ïîð³âíó.</P>
<P class="ps9">Êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä , - </P>
<P class="ps3"><FONT class="fs138">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps8">Ïîçîâ çàäîâîëüíèòè â ïîâíîìó îáñÿç³. </P>
<P class="ps8">Âèäàòè íàêàçè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps2"> &nbsp;&nbsp;</P>
<P class="ps2">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ ñòðîêó ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè, ÿêùî àïåëÿö³éíó ñêàðãó íå áóëî ïîäàíî. Ó ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</P>
<P class="ps15"> </P>
<P class="ps15"><FONT class="fs245">Ïîâíå ð³øåííÿ ñêëàäåíî òà ï³äïèñàíî  &nbsp;14.01.2015ð. &nbsp;</FONT></P>
<P><FONT class="fs136"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñ.Î. Òóð÷èí </FONT></P>