<TITLE>915/15/15</TITLE>
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<P class="ps8"> &nbsp;<FONT class="fs157"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps4"><FONT class="fs90">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÌÈÊÎËÀ¯ÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps4"><FONT class="fs155">======================================================================</FONT></P>
<P class="ps3"><FONT class="fs89">Ð²ØÅÍÍß</FONT></P>
<P class="ps3"><FONT class="fs150">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps3"><FONT class="fs154"> </FONT><FONT class="fs149">&nbsp;24 ëþòîãî 2015 ðîêó &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;Ñïðàâà ¹ &nbsp;915/15/15 </FONT></P>
<P class="ps5"><FONT class="fs153"> &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs152"> &nbsp;</FONT>Ãîñïîäàðñüêèé ñóä Ìèêîëà¿âñüêî¿ îáëàñò³, ó ñêëàä³ ñóää³ Ãðèíüîâî¿-Íîâèöüêî¿ Ò.Â.,</P>
<P class="ps5">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</P>
<P class="ps5">â³ä ïîçèâà÷à: íå çÿâèâñÿ;</P>
<P class="ps5">â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ,</P>
<P class="ps5">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè</P>
<P class="ps5">çà ïîçîâîì Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà «ÊÐÅÄÎÁÀÍÊ»,</P>
<P class="ps5">äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Àíòåé-Ãðóï",</P>
<P> &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;ÂÑÒÀÍÎÂÈÂ:</P>
<P>          Óõâàëîþ â³ä 12.01.2015 ãîñïîäàðñüêèé ñóä ïðèçíà÷èâ ñïðàâó äî ðîçãëÿäó òà âèòðåáóâàâ ó ñòîð³í íèçêó äîêóìåíò³â.</P>
<P>          Ñòàíîì íà 24.02.2015 ñòîðîíè íàäàëè ñóäó óñ³ âèòðåáóâàí³ äîêàçè.</P>
<P>           27.01.2015 â³ä ïîçèâà÷à íàä³éøëî êëîïîòàííÿ ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ éîãî ïðåäñòàâíèêà, çà íàÿâíèìè ó ñïðàâ³ ìàòåð³àëàìè; ïîçîâí³ âèìîãè ï³äòðèìóº ïîâí³ñòþ.</P>
<P>          Â³äçèâîì ¹ 29/01/2015 â³ä 29.01.2015 â³äïîâ³äà÷ âèçíàâ ïîçîâ ÷àñòêîâî, çàïåðå÷óº ïðîòè áîðãó ïî â³äñîòêàì òà êîì³ñ³¿. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P>          Îñê³ëüêè ³ç çàÿâîþ ïðî çìåíøåííÿ ïîçîâíèõ âèìîã ïîçèâà÷ çâåðíóâñÿ äî ïðèéíÿòòÿ ð³øåííÿ ïî ñïðàâ³, öþ çàÿâó ïðèéíÿòî ñóäîì äî ðîçãëÿäó.</P>
<P>          Ïðî äàòó, ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ ñòîðîíè ïîâ³äîìëåí³ â ïîðÿäêó, âñòàíîâëåíîìó ÷. 1 ñò. 64 ÃÏÊ.</P>
<P>          Çã³äíî ç àáç. 3 ï.ï. 3.9.1 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011 â ðåäàêö³¿ â³ä 10.07.2014 (äàë³ - Ïîñòàíîâà ¹18) çà çì³ñòîì çàçíà÷åíî¿ ñòàòò³ 64 ÃÏÊ, çîêðåìà, â ðàç³ ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ áóëî íàä³ñëàíî çà &nbsp;íàëåæíîþ &nbsp;àäðåñîþ &nbsp;(òîáòî ïîâ³äîìëåíîþ ñóäó ñòîðîíîþ, à â ðàç³ íåíàäàííÿ ñóäó â³äïîâ³äíî¿ ³íôîðìàö³¿ - àäðåñîþ, çàçíà÷åíîþ â ªäèíîìó &nbsp;äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â), ³ íå ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó àáî ïîâåðíóòî ç ïîñèëàííÿì íà â³äñóòí³ñòü &nbsp;&nbsp;(âèáóòòÿ) àäðåñàòà, â³äìîâó â³ä îäåðæàííÿ, çàê³í÷åííÿ ñòðîêó çáåð³ãàííÿ &nbsp;ïîøòîâîãî â³äïðàâëåííÿ òîùî, òî ââàæàºòüñÿ, ùî àäðåñàò ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ñóäîì. Äîêàçîì òàêîãî ïîâ³äîìëåííÿ â ðàç³ íåïîâåðíåííÿ óõâàëè ï³äïðèºìñòâîì çâ'ÿçêó ìîæå áóòè é äîëó÷åíèé äî ìàòåð³àë³â ñïðàâè òà çàñâ³ä÷åíèé ñàìèì ñóäîì âèòÿã ç îô³ö³éíîãî ñàéòó Óêðà¿íñüêîãî äåðæàâíîãî ï³äïðèºìñòâà ïîøòîâîãî çâ'ÿçêó "Óêðïîøòà" ùîäî â³äñòåæåííÿ ïåðåñèëàííÿ ïîøòîâèõ â³äïðàâëåíü, ÿêèé ì³ñòèòü ³íôîðìàö³þ ïðî îòðèìàííÿ àäðåñàòîì â³äïîâ³äíîãî ïîøòîâîãî â³äïðàâëåííÿ, àáî çàñâ³ä÷åíà &nbsp;êîï³ÿ ðåºñòðó ïîøòîâèõ â³äïðàâëåíü ñóäó. </P>
<P>          Çâàæàþ÷è íà ïîâåðíåííÿ "Óêðïîøòîþ" óõâàëè â³ä 03.02.2015, ùî íàïðàâëÿëàñÿ íà þðèäè÷íó àäðåñó â³äïîâ³äà÷à, ñóä ââàæàº, ùî ïðî äàòó, ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè â³äïîâ³äà÷ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì.</P>
<P>          Ïóíêòîì 3.9.2. Ïîñòàíîâè ¹ 18 âñòàíîâëåíî, ùî ó âèïàäêó íåç'ÿâëåííÿ â çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó ïðåäñòàâíèê³â îáîõ ñòîð³í àáî îäí³º¿ ç íèõ ñïðàâà ìîæå áóòè ðîçãëÿíóòà áåç ¿õ ó÷àñò³, ÿêùî íåÿâêà òàêèõ ïðåäñòàâíèê³â íå ïåðåøêîäæàº âèð³øåííþ ñïîðó. &nbsp;</P>
<P>          Âèâ÷èâøè ìàòåð³àëè ñïðàâè, äîñë³äèâøè ³ îö³íèâøè äîêàçè ó ¿õ ñóêóïíîñò³, ãîñïîäàðñüêèé ñóä ä³éøîâ âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâó â ïîâíîìó îáñÿç³ ( &nbsp;ç óðàõóâàííÿì çìåíøåíèõ ïîçîâíèõ âèìîã), âèõîäÿ÷è ç òàêîãî:</P>
<P>           26.09.2013 ì³æ ñòîðîíàìè áóâ óêëàäåíèé Äîãîâ³ð ïðî íàäàííÿ îâåðäðàôòó ¹ 30-2013 (äàë³ - Äîãîâ³ð), â³äïîâ³äíî äî óìîâ ÿêîãî ïîçèâà÷ çîáîâÿçàâñÿ íàäàòè â³äïîâ³äà÷ó ó âëàñí³ñòü ãðîøîâ³ êîøòè ó íàö³îíàëüí³é âàëþò³ äëÿ îïëàòè íàäàíèõ íèì ðîçðàõóíêîâèõ äîêóìåíò³â ó ðàç³ íåäîñòàòíîñò³ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó â ìåæàõ âñòàíîâëåíîãî ìàêñèìàëüíîãî ë³ì³òó çàáîðãîâàíîñò³ (îâåðäðàôò) â ðîçì³ð³ òà íà óìîâàõ, âèçíà÷åíèõ öèì Äîãîâîðîì, à â³äïîâ³äà÷ çîáîâÿçàâñÿ ïîâåðíóòè éîãî ³ ñïëàòèòè çà êîðèñòóâàííÿ îâåðäðàôòîì ïðîöåíòè òà êîì³ñ³¿. </P>
<P>          Çã³äíî ç ï. ï. 2.1, 2.4 Äîãîâîðó ìàêñèìàëüíèé ë³ì³ò çàáîðãîâàíîñò³ çà îâåðäðàôòîì âñòàíîâëåíèé ó ðîçì³ð³ 183000ãðí. ç îñòàòî÷íîþ äàòîþ ïîâåðíåííÿ äî 25.09.2014.</P>
<P>          Ïóíêòîì 2.2 Äîãîâîðó âñòàíîâëåíî ð³÷íó ïðîöåíòíó ñòàâêó çàëåæíî â³ä ñòðîêó áåçïåðåðâíîãî äåáåòîâîãî ñàëüäî çà ïîòî÷íèì ðàõóíêîì â³äïîâ³äà÷à (ñòðîêîì âèêîðèñòàííÿ îâåðäðàôòó), à ñàìå: </P>
<P>          â³ä 1 äî 3 äí³â (âêëþ÷íî) - 20,5% ð³÷íèõ, </P>
<P>          â³ä 4 äî 7 äí³â (âêëþ÷íî) - 24,0% ð³÷íèõ,</P>
<P>          â³ä 8 äî 15 äí³â (âêëþ÷íî) - 25,5% ð³÷íèõ, </P>
<P>          â³ä 16 äî 30 äí³â (âêëþ÷íî) - 26,0% ð³÷íèõ, </P>
<P>          â³ä 31 äî 45 äí³â (âêëþ÷íî) - 26,5% ð³÷íèõ, </P>
<P>          â³ä 46 äî 60 äí³â (âêëþ÷íî) - 27,0% ð³÷íèõ, </P>
<P>          â³ä 61 äíÿ - 27,5% ð³÷íèõ. </P>
<P>          Â³äïîâ³äíî äî ï. 3.2 Äîãîâîðó ïðîöåíòè çà êîðèñòóâàííÿ îâåðäðàôòîì íàðàõîâóþòüñÿ ùîäåííî íà ñóìó çàáîðãîâàíîñò³ çà ìåòîäîì «ôàêò/360» (ôàêòè÷íà ê³ëüê³ñòü äí³â ó ì³ñÿö³, àëå óìîâíî 360 äí³â ó ðîö³), çà ñòàâêîþ, âêàçàíîþ ó ï. 2.2 Äîãîâîðó ç óðàõóâàííÿì ñòðîêó êîðèñòóâàííÿ îâåðäðàôòîì ç ìîìåíòó éîãî íàäàííÿ äî òåðì³íó, âêàçàíîãî ó ï. 2.4 Äîãîâîðó.</P>
<P>          Îáîâÿçîê â³äïîâ³äà÷à ñïëà÷óâàòè ïðîöåíòè òà êîì³ñ³¿ íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé íàðàõîâàí³ ö³ ïðîöåíòè òà êîì³ñ³¿, âñòàíîâëåíèé ï. 3.3 Äîãîâîðó.</P>
<P>          Çã³äíî ç ï. ï. 2.6, 6.1 Äîãîâîðó çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü ïîçèâà÷ ìàº ïðàâî ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ ó ðîçì³ð³ 0,03% çà êîæåí äåíü ïðîñòðî÷åííÿ, àëå íå á³ëüøå ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà ó ïåð³îä ïðîñòðî÷êè.</P>
<P>          ×åðåç íåâèêîíàííÿ óìîâ óêëàäåíîãî ñòîðîíàìè Äîãîâîðó, ïîçèâà÷ çâåðíóâñÿ äî â³äïîâ³äà÷à ç âèìîãîþ â³ä 13.10.2014 ¹13/10/2014-1 ïðî âèêîíàííÿ çîáîâÿçàíü, íàïðàâëåííÿ ÿêî¿ ï³äòâåðäæóºòüñÿ êîï³ºþ ô³ñêàëüíîãî ÷åêó ïîøòîâîãî â³ää³ëåííÿ â³ä 15.10.2014 òà îïèñîì âêëàäåííÿ äî ö³ííîãî ëèñòà, ïðîòå âêàçàíà âèìîãà ñòàíîì íà äåíü ïîäàííÿ ïîçîâó â³äïîâ³äà÷åì çàäîâîëåíà íå áóëà.          </P>
<P>          Â³äïîâ³äíî äî ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³ - ÖÊ) 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.</P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çã³äíî ç ÷. 1 ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³  ÃÊ) ñóá'ºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, à çà â³äñóòíîñò³ êîíêðåòíèõ âèìîã ùîäî âèêîíàííÿ çîáîâ'ÿçàííÿ - â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ. Ïðè öüîìó, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì Êîäåêñîì.</P>
<P>          Â³äïîâ³äíî äî ñò. ñò. 525, 526 ÖÊ çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P>          Ñòàòòåþ 549 ÖÊ ïåðåäáà÷åíî, ùî íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Øòðàôîì º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</P>
<P>          Â³äïîâ³äíî äî ñò. 629 ÖÊ äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P>          Ç îãëÿäó íà âèêëàäåíå, ñóä ââàæàº, ùî âèìîãè ïîçèâà÷à ´ðóíòóþòüñÿ íà äîãîâîð³ ñòîð³í, ÷èííîìó çàêîíîäàâñòâ³ Óêðà¿íè, ìàòåð³àëàìè ñïðàâè ï³äòâåðäæåí³, â³äïîâ³äà÷åì ÷àñòêîâî âèçíàí³ ³ òîìó ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</P>
<P>          Â³äïîâ³äíî äî ñò. 49 ÃÏÊ ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</P>
<P>          Êåðóþ÷èñü ñò. ñò. 22, 35, 44, 49, 78, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</P>
<P class="ps5"> &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;ÂÈÐ²ØÈÂ:</P>
<P class="ps5">          Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P>          Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P>          Ð³øåííÿ íàáèðàº çàêîííî¿ ñèëè â ïîðÿäêó, âñòàíîâëåíîìó ñò. 85 ÃÏÊ.</P>
<P>          Ïîâíå ð³øåííÿ ñêëàäåíî òà ï³äïèñàíî 27 ëþòîãî 2015 ðîêó.</P>
<P> 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;Ò.Â.Ãðèíüîâà-Íîâèöüêà &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P>