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<TR><TD width="100 %" class="tds1"><P class="ps21"><FONT class="fs246"> &nbsp;</FONT><FONT class="fs244"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps13"><FONT class="fs161">Ð²ØÅÍÍß</FONT></P>
<P class="ps13"><FONT class="fs230">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TR><TD width="17 %" class="tds6"><P><FONT class="fs160">Çà ïîçîâîì</FONT></P></TD><TD width="83 %" class="tds6"><P class="ps0"><FONT class="fs226">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" </FONT></P></TD></TR>
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<TR><TD width="17 %" class="tds7"><P class="ps18"><FONT class="fs159">Äî</FONT></P></TD><TD width="83 %" class="tds7"><P><FONT class="fs225">Ô³çè÷íî¿ îñîáè-ï³äïðèºìöÿ Þíóçîâà Îðõàíà Ìåõìåäîâà&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD></TR>
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<TR><TD width="17 %" class="tds8"><P class="ps18"><FONT class="fs158">Ïðî</FONT></P></TD><TD width="83 %" class="tds8"><P><FONT class="fs224">ñòÿãíåííÿ 9 046,79 ãðí. </FONT></P><BR>
<P class="ps20"><FONT class="fs157">Ñóääÿ &nbsp;Áîíäàðåíêî Ã.Ï. </FONT></P>
<P class="ps4"><FONT class="fs235">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="23 %" class="tds12"><P><FONT class="fs234">Â³ä ïîçèâà÷à:</FONT></P></TD><TD width="77 %" class="tds12"><P class="ps18"><FONT class="fs238">Íå çÿâèâñÿ</FONT></P></TD></TR>
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<TR><TD width="23 %" class="tds13"><P class="ps18"><FONT class="fs233">Â³ä â³äïîâ³äà÷à:</FONT></P><P class="ps3"><FONT class="fs232"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD><TD width="77 %" class="tds13"><P class="ps18"><FONT class="fs237">Íå çÿâèâñÿ </FONT></P></TD></TR>
<P class="ps8"><FONT class="fs223">Â³äïîâ³äíî äî ñò. 85 ÃÏÊ Óêðà¿íè â ñóäîâîìó çàñ³äàíí³ 27.01.2015 &nbsp;îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps12"><FONT class="fs156">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps10"><FONT class="fs222">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" (äàë³ çà òåêñòîì  ïîçèâà÷) çâåðíóëîñü äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâíîþ çàÿâîþ äî ô³çè÷íî¿ îñîáè-ï³äïðèºìöÿ Þíóçîâà Îðõàíà Ìåõìåäîâà (äàë³ çà òåêñòîì  â³äïîâ³äà÷) ïðî ñòÿãíåííÿ 39 046,79 ãðí. çàáîðãîâàíîñò³ çà êðåäèòíèì äîãîâîðîì, à òàêîæ ïîçèâà÷ ïðîñèòü ñóä ïîêëàñòè ñóäîâ³ âèòðàòè íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps10"><FONT class="fs221">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 01.12.2014 ïðîâàäæåííÿ ó ñïðàâ³ çà âèùåçàçíà÷åíèì ïîçîâîì ïîðóøåíî, ñïðàâó ïðèçíà÷åíî äî ðîçãëÿäó íà 13.01.2015.</FONT></P>
<P class="ps9"><FONT class="fs220">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 13.01.2015 â³äïîâ³äíî äî ñò. 77 ÃÏÊ Óêðà¿íè ðîçãëÿä ñïðàâè â³äêëàäåíî íà 27.01.2015. </FONT></P>
<P class="ps9"><FONT class="fs219">27.01.2015 ÷åðåç â³ää³ë êàíöåëÿð³¿ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä ïðåäñòàâíèêà ïîçèâà÷à íàä³éøëà çàÿâà ïðî çàëèøåííÿ ñïðàâè áåç ðîçãëÿäó.</FONT></P>
<P class="ps9"><FONT class="fs218">Ó ñóäîâå çàñ³äàííÿ 27.01.2015 Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ïðåäñòàâíèêè ñòîð³í íå çÿâèëèñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèëè, ïðî ÷àñ ³ ì³ñöå ñóäîâîãî ðîçãëÿäó áóëè ïîâ³äîìëåí³ íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps9"><FONT class="fs217">Ðîçãëÿíóâøè â ñóäîâîìó çàñ³äàíí³ ïîäàíó ïîçèâà÷åì çàÿâó ïðî çàëèøåííÿ ñïðàâè áåç ðîçãëÿäó, ñóä çàëèøèâ ¿¿ áåç çàäîâîëåííÿ, ç ï³äñòàâ íåîá´ðóíòîâàíîñò³, îñê³ëüêè ïðèïèñàìè ÃÏÊ Óêðà¿íè ñóä íå íàä³ëåíèé ïðàâîì çàëèøèòè ïîçîâ áåç ðîçãëÿäó ï³ñëÿ ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ çà çàÿâîþ ïîçèâà÷à ïðî çàëèøåííÿ ïîçîâó áåç ðîçãëÿäó. &nbsp;</FONT></P>
<P class="ps10"><FONT class="fs216">Ïîçîâí³ âèìîãè ìîòèâîâàí³ íåíàëåæíèì âèêîíàííÿì ç áîêó â³äïîâ³äà÷à éîãî çîáîâÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 13.08.2012, â ÷àñòèí³ ñâîº÷àñíîãî òà ïîâíîãî ïîãàøåííÿ êðåäèòíîãî ë³ì³òó. </FONT></P>
<P class="ps10"><FONT class="fs215">Â³äïîâ³äà÷ â³äçèâó íà ïîçîâíó íå íàäàâ, â ñóäîâå çàñ³äàííÿ æîäíîãî ðàçó íå çÿâèâñÿ, ïðîòå íàäàâ ñóäó 12.01.2015 çàÿâó ïðî äîðó÷åííÿ äîêóìåíò³â äî ìàòåð³àë³â ñïðàâè, äî ÿêîãî äîäàâ Ãåíåðàëüíó óãîäó ïðî ðåñòðóêòóðèçàö³þ çàáîðãîâàíîñò³ òà ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ ïðîäóêòó êðåäèòíèõ êàðò â³ä 05.01.2015. &nbsp;</FONT></P>
<P class="ps10"><FONT class="fs214">Âðàõîâóþ÷è òå, ùî íå çÿâëåííÿ ïðåäñòàâíèê³â ñòîð³í, ïîâ³äîìëåíèõ ïðî ðîçãëÿä ñïðàâè íàëåæíèì ÷èíîì, &nbsp;íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè ïî ñóò³, à ìàòåð³àëè ñïðàâè º äîñòàòí³ìè äëÿ âèð³øåííÿ ñïîðó â äàíîìó ñóäîâîìó çàñ³äàíí³, ñòîðîíè &nbsp;íå ñêîðèñòàëèñÿ ñâî¿ì ïðîöåñóàëüíèì ïðàâîì íà íàïðàâëåííÿ ïðåäñòàâíèê³â äëÿ ó÷àñò³ â ñóäîâå çàñ³äàííÿ, à â³äïîâ³äà÷  ïðàâîì íà íàäàííÿ â³äçèâó, ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ïîçîâ ó â³äñóòíîñò³ ïðåäñòàâíèê³â ñòîð³í, çà íàÿâíèìè ó ñïðàâ³ ìàòåð³àëàìè çã³äíî ç âèìîãàìè ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps10"><FONT class="fs213">Ïðè öüîìó, ñóä çàçíà÷àº, ùî ó â³äïîâ³äíîñò³ äî ï. 3.13. ïîñòàíîâè Ïëåíóìó Âèùîãî Ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿" çàçíà÷åíî: íåïîäàííÿ àáî íåñâîº÷àñíå ïîäàííÿ ñòîðîíîþ ó ñïðàâ³, ³íøèì ó÷àñíèêîì ñóäîâîãî ïðîöåñó äîêàç³â ç íåïîâàæíèõ ïðè÷èí, ñïðÿìîâàíå íà çàòÿãóâàííÿ ñóäîâîãî ïðîöåñó, ìàº ðîçö³íþâàòèñÿ ãîñïîäàðñüêèì ñóäîì ÿê çëîâæèâàííÿ ïðîöåñóàëüíèìè ïðàâàìè. Ó ðàç³ íåïîäàííÿ ó÷àñíèêîì ñóäîâîãî ïðîöåñó ç íåïîâàæíèõ ïðè÷èí àáî áåç ïîâ³äîìëåííÿ ïðè÷èí ìàòåð³àë³â òà ³íøèõ äîêàç³â, âèòðåáóâàíèõ ãîñïîäàðñüêèì ñóäîì, </FONT><FONT class="fs155">îñòàíí³é ìîæå çä³éñíèòè ðîçãëÿä ñïðàâè çà íàÿâíèìè â í³é ìàòåð³àëàìè òà äîêàçàìè</FONT><FONT class="fs212"> àáî, ç îãëÿäó íà îáñòàâèíè êîíêðåòíî¿ ñïðàâè, çàëèøèòè ïîçîâ áåç ðîçãëÿäó íà ï³äñòàâ³ ïóíêòó 5 ÷àñòèíè ïåðøî¿ ñòàòò³ 81 ÃÏÊ. </FONT><FONT class="fs154">Ó íàâåäåíèõ âèïàäêàõ â³äïîâ³äí³ äîêàçè íå ïîâèíí³ ïðèéìàòèñÿ â ïîäàëüøîìó é ñóäîì àïåëÿö³éíî¿ ³íñòàíö³¿.</FONT></P>
<P class="ps10"><FONT class="fs211">Ðîçãëÿíóâøè ïîäàí³ ìàòåð³àëè, âñåá³÷íî ³ ïîâíî çÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóþòüñÿ ïîçîâí³ âèìîãè, Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà </FONT></P>
<P class="ps15"><FONT class="fs153">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps6"><FONT class="fs210">Â³äïîâ³äà÷, â ÿêîñò³ êë³ºíòà çâåðíóâñÿ äî ïîçèâà÷à, ÿê áàíêó, ç çàÿâîþ á/í â³ä 13.08.2012 ïðî â³äêðèòòÿ ðàõóíêó (äàë³  çàÿâà). Çàÿâó ï³äïèñàíî â³äïîâ³äà÷åì.</FONT></P>
<P class="ps6"><FONT class="fs207">Â³äïîâ³äíî äî 3.2.1.1.16. 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.</FONT></P>
<P class="ps6"><FONT class="fs206">Â³äïîâ³äíî äî&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñòàòò³ 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ"&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè) ó ðàç³, ÿêùî: åëåêòðîííèé öèôðîâèé ï³äïèñ ï³äòâåðäæåíî ç âèêîðèñòàííÿì ïîñèëåíîãî ñåðòèô³êàòà êëþ÷à çà äîïîìîãîþ íàä³éíèõ çàñîá³â öèôðîâîãî ï³äïèñó; ï³ä ÷àñ ïåðåâ³ðêè âèêîðèñòîâóâàâñÿ ïîñèëåíèé ñåðòèô³êàò êëþ÷à, ÷èííèé íà ìîìåíò íàêëàäåííÿ åëåêòðîííîãî öèôðîâîãî ï³äïèñó; îñîáèñòèé êëþ÷ ï³äïèñóâà÷à â³äïîâ³äàº â³äêðèòîìó êëþ÷ó, çàçíà÷åíîìó ó ñåðòèô³êàò³.</FONT></P>
<P class="ps6"><FONT class="fs205">Â³äïîâ³äíî äî ï. 3.2.1.1.1. óìîâ  êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ 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.</FONT></P>
<P class="ps6"><FONT class="fs204">Â³äïîâ³äíî äî ï. 3.2.1.1.3. óìîâ  êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè. </FONT></P>
<P class="ps6"><FONT class="fs203">Â³äïîâ³äíî äî 3.2.1.1.8 óìîâ  ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó é ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó &nbsp;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).</FONT></P>
<P class="ps6"><FONT class="fs202">Â³äïîâ³äíî äî ï. 3.2.1.1.6. óìîâ çàçíà÷àº, ùî ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â äâîñòîðîííüîìó 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 &nbsp;ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó áàíêó ³ êë³ºíòà (ñèñòåì êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, ñìñ  ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps6"><FONT class="fs201">Ñâî¿ çîáîâÿçàííÿ çà äîãîâîðîì ïîçèâà÷ âèêîíàâ â ïîâíîìó îáñÿç³, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò â ðîçì³ð³ 32 000.00 ãðí.</FONT></P>
<P class="ps6"><FONT class="fs200">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.2.1.4. 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).</FONT></P>
<P class="ps6"><FONT class="fs199">Çã³äíî ç ï.3.2.1.4.1.1 óìîâ çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³ ïî òåêñòó  ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàþ îáíóëåííþ), ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps6"><FONT class="fs198">Ïóíêòîì 3.2.1.4.1.2. óìîâ ñòîðîíè óçãîäèëè, ùî ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòàì ïðîöåíòè â ðîçì³ð³ 36 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ.</FONT></P>
<P class="ps6"><FONT class="fs197">Ñòîðîíè ó ï.3.2.1.4.1.3.óìîâ ïîãîäèëè, ùî 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 ï³äëÿãàº 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 áàíê &nbsp;â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 (ïÿòäåñÿò ø³ñòü) % 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 òåðì³íó ïîâåðíåííÿ êðåäèòó; ïåðåäáà÷åíîãî Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâÿçàíü.</FONT></P>
<P class="ps6"><FONT class="fs196">Çã³äíî äî ï. 3.2.1.4.9 óìîâ ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì ïðîâîäèòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç ìîìåíòó 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 äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì. Äåíü ïîâåðíåííÿ êðåäèòó â³äñîòê³â &nbsp;â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè.</FONT></P>
<P class="ps6"><FONT class="fs195">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. óìîâ  áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíîãî óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâÿçàíü çà êðåäèòîì ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps6"><FONT class="fs194">Â³äïîâ³äíî äî 3.2.1.5.1 Óìîâ  ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè ï., ï. 3.2.1.2.2.2, 3.2.1.4.1., 3.2.1.4.2, 3.2.1.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï., ï. 3.2.1.1.8, 3.2.1.2.2.3, 3.2.1.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíîãî ï., ï. 3.2.1.2.2, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6 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.3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps6"><FONT class="fs193">Ïóíêòîì 3.2.1.6.1. óìîâ çàçíà÷åíî, ùî îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà çä³éñíþºòüñÿ ç ìîìåíòó ïîäà÷³ êë³ºíòîì äî áàíêó çàÿâè íà ïðèºäíàííÿ äî Óìîâ òà 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¿ /ãîäè â ñèñòåìàõ êë³ºíò-áàíê / ³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà / àáî ç ìîìåíòó íàäàííÿ êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíî¿ ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâÿçàíü ñòîðîíàìè.</FONT></P>
<P class="ps11"><FONT class="fs191">Â³äïîâ³äà÷åì, çà òâåðäæåííÿì ïîçèâà÷à, &nbsp;ïî ñïðàâ³ áóëî äîïóùåíî ïîðóøåííÿì çîáîâÿçàíü çà äîãîâîðîì, âíàñë³äîê ÷îãî â³äïîâ³äà÷ ñòàíîì íà 30.10.2014 ìàº çàáîðãîâàí³ñòü &nbsp;ïåðåä ïîçèâà÷åì  39&nbsp; &nbsp;046, 79 ãðí. ÿêà ñêëàäàºòüñÿ ç íàñòóïíîãî:</FONT></P>
<P class="ps11"><FONT class="fs190">27 567,08 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì;</FONT></P>
<P class="ps11"><FONT class="fs189">8&nbsp; &nbsp;107, 39 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì;</FONT></P>
<P class="ps11"><FONT class="fs188">2&nbsp; &nbsp;628, 02 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì;</FONT></P>
<P class="ps11"><FONT class="fs187">744, 30 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì.</FONT></P>
<P class="ps6"><FONT class="fs184">Çã³äíî ï. 1.4 ãåíåðàëüíî¿ óãîäè ñòîðîíè ïîãîäèëè ïî äîãîâîðó 4 çìåíøèòè ðîçì³ð çàáîðãîâàíîñò³, ÿêà âèíèêëà ó ïåð³îä ç äàòè íàäàííÿ â³äïîâ³äà÷ó êðåäèòó, à ñàìå: ïðîöåíòè íà 0,0 ãðí., êîì³ñ³þ íà 0,0 ãðí., ïåíþ íà 2 645, 24 ãðí., øòðàô íà 0,0 ãðí.</FONT></P>
<P class="ps6"><FONT class="fs183">Â³äïîâ³äíî ï. 1.4.2. ãåíåðàëüíî¿ óãîäè çàáîðãîâàí³ñòü ïî äîãîâîðó 4 ñòàíîâèòü 41 564, 73 ãðí. </FONT></P>
<P class="ps6"><FONT class="fs182">Ñòîðîíè ó ï. 1.4.3 ãåíåðàëüíî¿ óãîäè äàòà îñòàííüîãî ïîãàøåííÿ çàáîðãîâàíîñò³ ïî äîãîâîðó </FONT><FONT class="fs152">31.01.2017.</FONT></P>
<P class="ps6"><FONT class="fs181"> </FONT><FONT class="fs151">Îö³íþþ÷è äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, òà âðàõîâóþ÷è, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü, ñóä ââàæàº, ùî ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏÐÈÂÀÒÁÀÍÊ </FONT><FONT class="fs180">&nbsp;</FONT><FONT class="fs150">çàäîâîëåííþ íå ï³äëÿãàþòü ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps6"><FONT class="fs179">Ñòàòòÿ 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº çàãàëüíèé ïîðÿäîê óêëàäàííÿ ãîñïîäàðñüêèõ äîãîâîð³â. ×àñòèíà 1 çàçíà÷åíî¿ ñòàòò³ âèçíà÷àº, ùî ãîñïîäàðñüêèé äîãîâ³ð çà çàãàëüíèì ïðàâèëîì âèêëàäàºòüñÿ ó ôîðì³ ºäèíîãî äîêóìåíòà ï³äïèñàíîãî ñòîðîíàìè òà ñêð³ïëåíîãî ïå÷àòêàìè. Äîïóñêàºòüñÿ óêëàäåííÿ ãîñïîäàðñüêèõ äîãîâîð³â ó ñïðîùåíèé ñïîñ³á, òîáòî øëÿõîì îáì³íó ëèñòàìè, ôàêñîãðàìàìè, òåëåãðàìàìè, òåëåôîíîãðàìàìè òîùî, à òàêîæ øëÿõîì ï³äòâåðäæåííÿ ïðèéíÿòòÿ äî âèêîíàííÿ çàìîâëåíü, ÿêùî çàêîíîì íå âñòàíîâëåíî ñïåö³àëüí³ âèìîãè äî ôîðìè òà ïîðÿäêó óêëàäåííÿ äàíîãî âèäó äîãîâîð³â.</FONT></P>
<P class="ps6"><FONT class="fs178">Â³äïîâ³äíî äî ïîëîæåíü ñòàòò³ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. ßêùî 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. </FONT></P>
<P class="ps6"><FONT class="fs177">Îòæå, ì³æ ñòîðîíàìè øëÿõîì ï³äïèñàííÿ â³äïîâ³äà÷åì çàÿâè íà â³äêðèòòÿ ðàõóíêó 13.08.2012 áóëî óêëàäåíî äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 13.08.2012. </FONT></P>
<P class="ps1"><FONT class="fs176">Çà ñâîºþ ïðàâîâîþ ïðèðîäîþ äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 13.08.2012 º êðåäèòíèì äîãîâîðîì, îòæå, ì³æ ñòîðîíàìè âèíèêëè ïðàâîâ³äíîñèíè, ÿê³ ï³äïàäàþòü ï³ä ïðàâîâå ðåãóëþâàííÿ ãëàâè 71 ÖÊ Óêðà¿íè.</FONT> </P>
<P class="ps1"><FONT class="fs175">Â³äïîâ³äíî äî ñò.1054 ÖÊ Óêðà¿íè, çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâ'ÿçóºòüñÿ íàäàòè ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè. Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ö³º¿ ãëàâè (òîáòî, ïîçèêè), ÿêùî ³íøå íå âñòàíîâëåíî öèì ïàðàãðàôîì ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs174">Çã³äíî ñò. 1049 ÖÊ Óêðà¿íè, ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) </FONT><FONT class="fs149">ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì</FONT><FONT class="fs173">. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ñòðîê ïîâåðíåííÿ ïîçèêè àáî öåé ñòðîê âèçíà÷åíèé ìîìåíòîì ïðåä'ÿâëåííÿ âèìîãè, ïîçèêà ìàº áóòè ïîâåðíåíà ïîçè÷àëüíèêîì ïðîòÿãîì òðèäöÿòè äí³â â³ä äíÿ ïðåä'ÿâëåííÿ ïîçèêîäàâöåì âèìîãè ïðî öå, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì. </FONT></P>
<P class="ps1"><FONT class="fs172"> Âîäíî÷àñ çã³äíî ñò. 604 ÖÊ Óêðà¿íè çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ çà äîìîâëåí³ñòþ ñòîð³í. Çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ çà äîìîâëåí³ñòþ ñòîð³í ïðî çàì³íó ïåðâ³ñíîãî çîáîâ'ÿçàííÿ íîâèì çîáîâ'ÿçàííÿì ì³æ òèìè æ ñòîðîíàìè (íîâàö³ÿ). &nbsp;Íîâàö³ÿ ïðèïèíÿº äîäàòêîâ³ çîáîâ'ÿçàííÿ, ïîâ'ÿçàí³ ç ïåðâ³ñíèì çîáîâ'ÿçàííÿì, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì.</FONT></P>
<P class="ps6"><FONT class="fs171"> ßê âñòàíîâëåíî ñóäîì, 05.01.2015 ì³æ ñòîðîíàìè áóëî óêëàäåíî ãåíåðàëüíó óãîäó, ÿêèì ñòîðîíàìè áóëî âèçíà÷åíî äàòó ê³íöåâîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà äîãîâîðîì  31.01.2017, â³äòàê ñòàíîì íà ìîìåíò âèíåñåííÿ ð³øåííÿ ñòîðîíàìè çà äîìîâëåí³ñòü ñòîð³í áóëà çä³éñíåíà íîâàö³ÿ, çà óìîâàìè ÿêî¿ ñòðîê âèêîíàííÿ çîáîâÿçàííÿ ïî äîãîâîðó &nbsp;íå íàñòàâ. </FONT></P>
<P class="ps6"><FONT class="fs170"> Îòæå, ñòàíîì íà ìîìåíò âèíåñåííÿ ð³øåííÿ, â³äïîâ³äà÷åì íå ïîðóøåíî óìîâè äîãîâîðó òà íå ïðîñòðî÷åíî âèêîíàííÿ çîáîâ'ÿçàííÿ, â³äïîâ³äíî â³äñóòí³ ïðàâîâ³ ï³äñòàâè äëÿ çàäîâîëåííÿ ïîçîâíèõ âèìîã. </FONT></P>
<P class="ps6"><FONT class="fs169">Çã³äíî ç³&nbsp; &nbsp;ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè&nbsp; &nbsp;êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü.</FONT></P>
<P class="ps6"><FONT class="fs168">Îáñòàâèíè ñïðàâè âèêëàäåí³ ïîçèâà÷åì â ïîçîâí³é çàÿâ³ áóëè ñïðîñòîâàí³ â³äïîâ³äà÷åì òà â³äïîâ³äí³ äîêàçè äîëó÷åí³ ñóäîì äî ìàòåð³àë³â ñïðàâè. </FONT></P>
<P class="ps6"><FONT class="fs167">Òàêèì ÷èíîì, ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ 27 567, 08 ãðí. ò³ëà êðåäèòó, 6&nbsp; &nbsp;606, 52 ãðí. ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà â³äñîòêàìè, 496, 20 ãðí. çàáîðãîâàíîñò³ ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, 1 762, 95 ãðí. çàáîðãîâàíîñò³ ç ïåí³, íå ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps6"><FONT class="fs166"> &nbsp;Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó, â³äïîâ³äíî äî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ç îãëÿäó íà çàäîâîëåííÿ ïîçîâíèõ âèìîã ïîêëàäàþòüñÿ íà ïîçèâà÷à.</FONT></P>
<P class="ps6"><FONT class="fs165">Âðàõîâóþ÷è âèùåâèêëàäåíå òà êåðóþ÷èñü ñò.ñò.&nbsp; &nbsp;32, 33, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, &nbsp;ñóä </FONT></P>
<P class="ps14"><FONT class="fs148">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs164">1.          Ó çàäîâîëåíí³ ïîçîâó â³äìîâèòè.</FONT></P>
<P class="ps5"><FONT class="fs163">2.          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.</FONT></P>
<P class="ps5"><FONT class="fs240">Ïîâíå ð³øåííÿ ñêëàäåíî 10.02.15.</FONT></P>
<P><FONT class="fs147"> &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;Áîíäàðåíêî Ã. Ï. </FONT></P>