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<TR><TD width="100 %" class="tds1"><P class="ps16"><FONT class="fs208"> &nbsp;</FONT><FONT class="fs206"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps7"><FONT class="fs122">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs121">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P><FONT class="fs97">06.04.2015</FONT></P></TD><TD width="50 %" class="tds6"><P class="ps15"><FONT class="fs133">Ñïðàâà ¹910/2671/15-ã</FONT></P></TD></TR>
<P class="ps2"><FONT class="fs202">Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ Ãîëîâ³íî¿ Ê.²., ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ìåëüíèê Þ.Î., ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè</FONT></P>
<P class="ps0"><FONT class="fs132">çà ïîçîâíîþ çàÿâîþ </FONT><FONT class="fs201">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê Ïðèâàòáàíê</FONT></P>
<P class="ps0"><FONT class="fs131">äî </FONT><FONT class="fs200">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðìà Òðåéä</FONT></P>
<P><FONT class="fs199">ï</FONT><FONT class="fs130">ðî</FONT><FONT class="fs198"> ñòÿãíåííÿ 332 553,42 ãðí.</FONT></P>
<P class="ps4"><FONT class="fs129"> &nbsp;çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="22 %" class="tds13"><P><FONT class="fs197"> &nbsp;â³ä ïîçèâà÷à:</FONT></P></TD><TD width="78 %" class="tds13"><P class="ps13"><FONT class="fs196">íå çÿâèâñÿ</FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="22 %" class="tds14"><P class="ps13"><FONT class="fs195"> &nbsp;â³ä â³äïîâ³äà÷à:</FONT></P></TD><TD width="78 %" class="tds14"><P class="ps13"><FONT class="fs194">íå çÿâèâñÿ</FONT></P></TD></TR>
<P class="ps10"><FONT class="fs128">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs193">Äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà çâåðíóëîñü Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê Ïðèâàòáàíê ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðìà Òðåéä ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ â ñóì³ 332 553,42 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs191"> Ó ïîðóøåííÿ óìîâ âêàçàíîãî äîãîâîðó òà íîðì ÷èííîãî çàêîíîäàâñòâà â³äïîâ³äà÷ íå âèêîíàâ âçÿò³ íà ñåáå çîáîâÿçàííÿ ïî ïîâåðíåííþ íàäàíîãî êðåäèòó, ó çâÿçêó ç ÷èì â îñòàííüîãî âèíèêëà çàáîðãîâàí³ñòü.</FONT></P>
<P class="ps5"><FONT class="fs190">Ó ïîçîâ³ Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê Ïðèâàòáàíê ïðîñèòü ñóä ñòÿãíóòè ç ÒÎÂ Àðìà Òðåéä çàáîðãîâàí³ñòü çà íåïîâåðíóòèì êðåäèòîì â ñóì³ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;200 000,00 ãðí., çàáîðãîâàí³ñòü ïî ïðîöåíòàõ â ñóì³ 80 099,83 ãðí. çà ïåð³îä ç 21.10.2013 ð. ïî 23.09.2014 ð., ïåíþ â ñóì³ 34 453,59 ãðí. çà ïåð³îä ç 08.11.2013 ð. ïî 23.09.2014 ð. òà çàáîðãîâàí³ñòü ïî êîì³ñ³¿ â ñóì³ 18 000,00 ãðí. çà ïåð³îä 02.12.2013 ð. ïî 23.09.2014 ð., à âñüîãî  332 553,42 ãðí.</FONT></P>
<P class="ps5"><FONT class="fs189">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, íàëåæíèì ÷èíîì áóâ ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ÷åðåç êàíöåëÿð³þ ñóäó ïîäàâ êëîïîòàííÿ ïðî ðîçãëÿä ñïðàâè áåç éîãî ó÷àñò³, â ÿêîìó ïîçîâí³ âèìîãè ï³äòðèìàâ, ïðîñèâ ¿õ çàäîâîëüíèòè.</FONT></P>
<P class="ps5"><FONT class="fs188">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, íàëåæíèì ÷èíîì áóâ ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè. Çàÿâ ÷è êëîïîòàíü ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè àáî ïðî ðîçãëÿä áåç éîãî ó÷àñò³ äî ñóäó íå ïîäàâ. Ïîçèö³ÿ â³äïîâ³äà÷à ñòîñîâíî äàíîãî ïîçîâó ñóäó íåâ³äîìà. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs187">Â³äïîâ³äíî äî ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó áåç ó÷àñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps5"><FONT class="fs186">Çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè íàÿâí³ â ìàòåð³àëàõ ñïðàâè äîêàçè, ñóä ââàæàº, ùî ïîçîâ ï³äëÿãàº çàäîâîëåííþ ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps5"><FONT class="fs183">Â³äïîâ³äíî äî íîðì 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="ps5"><FONT class="fs182">Òàêèì ÷èíîì, ñóäîì âñòàíîâëåíî, ùî ì³æ ñòîðîíàìè áóâ óêëàäåíèé äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ òà, îäíî÷àñíî, êðåäèòíèé äîãîâ³ð.</FONT></P>
<P class="ps5"><FONT class="fs181">Â³äïîâ³äíî äî âêàçàíîãî äîãîâîðó áàíê çîáîâÿçóºòüñÿ â³äêðèòè êë³ºíòó ïîòî÷íèé ðàõóíîê òà çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó çà ðàõóíîê êðåäèòíèõ êîøò³â ó ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòó íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó áàíêó òà êë³ºíòà. Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóþòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ òàðèôàìè áàíêó. </FONT></P>
<P class="ps5"><FONT class="fs179">Â³äïîâ³äíî äî ïóíêòó 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.</FONT></P>
<P class="ps5"><FONT class="fs178">Ïóíêòîì &nbsp;3.18.7 ðîçä³ëó 3.18 Óìîâ âèçíà÷åíî, ùî êðåäèòíîþ óãîäîþ º äàíèé ðîçä³ë Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ðàçîì ç óãîäîþ íà ïðèºäíàííÿ êë³ºíòà äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ Çàÿâè íà â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ç êàðòêîþ ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêîì ïå÷àòêè àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè ó ñèñòåì³ êë³ºíò áàíê/ ³íòåðíåò êë³ºíò áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà/àáî ðîçðàõóíêîâèìè äîêóìåíòàìè êë³ºíòà íà âèêîðèñòàííÿ êîøò³â â ðàìêàõ êðåäèòíîãî ë³ì³òó ó ìåæàõ âêàçàíèõ íèì ñóì.</FONT></P>
<P class="ps5"><FONT class="fs177">Ó â³äïîâ³äíîñò³ äî ïóíêòó 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.</FONT></P>
<P class="ps5"><FONT class="fs176">Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè (ïóíêò 3.18.1.3 Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs175">Çã³äíî ç ïóíêòîì 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).</FONT></P>
<P class="ps5"><FONT class="fs174">Ïîëîæåííÿìè ïóíêòó 3.18.1.6 Óìîâ âñòàíîâëåíî, 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, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps5"><FONT class="fs173">Â³äïîâ³äíî äî ðîçä³ëó 3.18.4 Óìîâ 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="ps5"><FONT class="fs172">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (äàë³ - ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs171">Ïðè íå îáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24,00 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps5"><FONT class="fs170">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó; â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, 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.</FONT></P>
<P class="ps5"><FONT class="fs169">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 â ÷àñîâèé ³íòåðâàë íàðàõóâàííÿ â³äñîòê³â íå âêëþ÷àºòüñÿ. Íàðàõóâàííÿ â³äñîòê³â çä³éñíþºòüñÿ â äàòó ñïëàòè.</FONT></P>
<P class="ps5"><FONT class="fs168">Òàêîæ ïóíêòîì 3.18.4.4 Óìîâ âñòàíîâëåíî îáîâÿçîê êë³ºíòà ñïëà÷óâàòè áàíêó âèíàãîðîäó çà êîðèñòóâàííÿ ë³ì³òîì â³äïîâ³äíî äî ï.ï. 3.18.1.6 òà 3.18.2.3.2 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9 % â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü ó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè. Êë³ºíò äîðó÷àº áàíêó çä³éñíþâàòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â. </FONT></P>
<P class="ps5"><FONT class="fs167">Ïîëîæåííÿì ï. 3.18.1.17 Óìîâ âñòàíîâëåíî, ùî ïðè ïåðåðàõóâàíí³ êë³ºíòîì ç ïîòî÷íîãî ðàõóíêó êîøò³â çà ðàõóíîê êðåäèòíîãî ë³ì³òó íà áóäü-ÿê³ ðàõóíêè àáî ïëàñòèêîâ³ êàðòêè, äåðæàòåëÿìè ÿêèõ º ñàì âëàñíèê ïîòî÷íîãî ðàõóíêó àáî ïîâÿçàí³ ç íèì ô³çè÷í³ îñîáè, ç ñóìè êîæíîãî ç ïðîâåäåíèõ çà ðàõóíîê êðåäèòíîãî ë³ì³òó ïåðåêàç³â ñòÿãóºòüñÿ êîì³ñ³éíà âèíàãîðîäà ó ðîçì³ð³ 3% â³ä ñóìè ïåðåêàç³â.</FONT></P>
<P class="ps5"><FONT class="fs166">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</FONT></P>
<P class="ps5"><FONT class="fs165">Â³äïîâ³äíî äî ïóíêòó 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.</FONT></P>
<P class="ps5"><FONT class="fs162">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 1066 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà äîãîâîðîì áàíê³âñüêîãî &nbsp;ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps5"><FONT class="fs161">Äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè. Áàíê çîáîâ'ÿçàíèé óêëàñòè äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ç êë³ºíòîì, ÿêèé çâåðíóâñÿ ç &nbsp;ïðîïîçèö³ºþ â³äêðèòè ðàõóíîê íà îãîëîøåíèõ áàíêîì óìîâàõ, ùî â³äïîâ³äàþòü çàêîíó òà áàíê³âñüêèì ïðàâèëàì (÷àñòèíè 1 òà 2 ñòàòòÿ 1067 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps5"><FONT class="fs160">Ó â³äïîâ³äíîñò³ äî íîðì ÷àñòèíè 1 òà 2 ñòàòò³ 1069 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî â³äïîâ³äíî äî äîãîâîðó áàíê³âñüêîãî ðàõóíêà áàíê çä³éñíþº ïëàòåæ³ ç ðàõóíêà êë³ºíòà, íåçâàæàþ÷è íà â³äñóòí³ñòü íà íüîìó ãðîøîâèõ êîøò³â (êðåäèòóâàííÿ ðàõóíêà), áàíê ââàæàºòüñÿ òàêèì, ùî íàäàâ êë³ºíòîâ³ êðåäèò íà â³äïîâ³äíó ñóìó â³ä äíÿ çä³éñíåííÿ öüîãî ïëàòåæó. Ïðàâà òà îáîâ'ÿçêè ñòîð³í, ïîâ'ÿçàí³ ç êðåäèòóâàííÿì ðàõóíêà, âèçíà÷àþòüñÿ ïîëîæåííÿìè ïðî ïîçèêó òà êðåäèò (ïàðàãðàôè 1 ³ 2 ãëàâè 71 öüîãî Êîäåêñó), ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps5"><FONT class="fs159">Â³äïîâ³äíî äî ñòàòò³ 1054 Öèâ³ëüíîãî êîäåêñó 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.</FONT></P>
<P class="ps3"><FONT class="fs158">Â³äïîâ³äíî äî ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè 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.</FONT></P>
<P class="ps3"><FONT class="fs157">Çàçíà÷åíå òàêîæ êîðåñïîíäóºòüñÿ ç³ ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äíî äî ÿêèõ 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.</FONT></P>
<P class="ps3"><FONT class="fs156">Ñòàòòÿ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps3"><FONT class="fs155">Â³äïîâ³äíî äî ñòàòò³ 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps5"><FONT class="fs154">Â³äïîâ³äà÷ äîêàç³â ñïëàòè çàáîðãîâàíîñò³ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ íå íàäàâ, ó çâÿçêó ç ÷èì ñóä ä³éøîâ âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâíèõ âèìîã â ÷àñòèí³ &nbsp;ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà íåïîâåðíóòèì êðåäèòîì â â ñóì³ 200 000,00 ãðí., çàáîðãîâàíîñò³ ïî ïðîöåíòàõ â ñóì³ 80 099,83 ãðí. çà ïåð³îä ç 21.10.2013 ð. ïî 23.09.2014 ð., òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ â ñóì³ 18 000,00 ãðí. çà ïåð³îä 02.12.2013 ð. ïî 23.09.2014 ð.</FONT></P>
<P class="ps5"><FONT class="fs153">Êð³ì òîãî, ó ñóäîâîìó çàñ³äàíí³ ïîçèâà÷ ïðîñèâ ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ â ñóì³ 34 453,59 ãðí. çà ïåð³îä ç 08.11.2013 ð. ïî 23.09.2014 ð. </FONT></P>
<P class="ps5"><FONT class="fs152">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. </FONT></P>
<P class="ps3"><FONT class="fs151">×àñòèíà 6 ñòàòò³ 232 Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè ïåðåäáà÷àº, ùî íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps3"><FONT class="fs150">Çã³äíî ñòàòò³ 1 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í.</FONT></P>
<P class="ps5"><FONT class="fs149">Ñòàòòÿ 3 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü ïåðåäáà÷àº, ùî ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñòàòòåþ 1 öüîãî Çàêîíó, îá÷èñëþºòüñÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó òà íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps5"><FONT class="fs148">Â³äïîâ³äíî äî ïóíêòó 3.18.5.1 Óìîâ &nbsp;ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ïóíêòàìè 3.18.2.2,2, 3.18.4.1, 3.18.4.2. 3.18.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ïóíêòàìè 3.18.1.8, 3.18.2.2.3. 3.18.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíî¿ ïóíêòàìè 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 ïóíêò³ 3.18.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. </FONT></P>
<P class="ps5"><FONT class="fs147">Çã³äíî ç ï. 3.18.5.4 Óìîâ íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåíü çîáîâÿçàíü, ïåðåäáà÷åíèõ ï.ï. 3.18.5.1, 3.18.5.2, 3.18.5.3 çä³éñíþºòüñÿ íà ïðîòÿç³ 3 ðîê³â, ïî÷èíàþ÷è ç äíÿ, êîëè òàêå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíå êë³ºíòîì.</FONT></P>
<P class="ps5"><FONT class="fs146">Çâàæàþ÷è íà âèùåíàâåäåí³ íîðìè çàêîíîäàâñòâà òà óìîâè óêëàäåíîãî ñòîðîíàìè ïðàâî÷èíó, âèìîãè ïðî ñòÿãíåííÿ ïåí³ çà âêàçàíèé ïåð³îä º òàêèìè, ùî çàÿâëåí³ ïðàâîì³ðíî.</FONT></P>
<P class="ps5"><FONT class="fs145">Ïðîâ³âøè ðîçðàõóíîê çàÿâëåíî¿ äî ñòÿãíåííÿ ñóìè ïåí³, ñóä ä³éøîâ âèñíîâêó, ùî ç &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÒÎÂ Àðìà Òðåéä íà êîðèñòü ÏÀÒ Êîìåðö³éíèé áàíê Ïðèâàòáàíê ï³äëÿãàº ñòÿãíåííþ ïåíÿ â ñóì³ 34 453,59 ãðí. çà ïåð³îä ç 08.11.2013 ð. ïî 23.09.2014 ð. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs144">Îòæå, ç óðàõóâàííÿì íîðì ÷èííîãî çàêîíîäàâñòâà òà âñòàíîâëåíèõ îáñòàâèí ó ñïðàâ³, ñóä ââàæàº, ùî íàÿâí³ ó ñïðàâ³ ìàòåð³àëè ñâ³ä÷àòü ïðî îáãðóíòîâàí³ñòü âèìîã ïîçèâà÷à, ó çâÿçêó ç ÷èì ïîçîâ ï³äëÿãàº çàäîâîëåííþ â ïîâíîìó îáñÿç³. </FONT></P>
<P class="ps5"><FONT class="fs143">Çã³äíî ç³ ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs142">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò. 44, ÷. 4 ñò. 49, ñò.ñò. 75, 82 - 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps9"><FONT class="fs127">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs141">Ïîçîâ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê Ïðèâàòáàíê äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðìà Òðåéä ïðî ñòÿãíåííÿ 332 553,42 ãðí. çàäîâîëüíèòè. </FONT></P>
<P class="ps5"><FONT class="fs138">Ð³øåííÿ óõâàëåíî â íàðàä÷³é ê³ìíàò³ òà ïðîãîëîøåíî éîãî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè â ñóäîâîìó çàñ³äàíí³ 6 êâ³òíÿ &nbsp;2015 ðîêó.</FONT></P>
<P class="ps5"><FONT class="fs137">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 10 êâ³òíÿ 2015 ðîêó.</FONT></P>
<P class="ps5"><FONT class="fs136">Ð³øåííÿ ìîæå áóòè îñêàðæåíî â àïåëÿö³éíîìó ïîðÿäêó äî Êè¿âñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà øëÿõîì ïîäà÷³ àïåëÿö³éíî¿ ñêàðãè â 10-äåííèé ñòðîê ç äíÿ ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ.</FONT></P>
<P class="ps5"><FONT class="fs135"> </FONT></P>
<P><FONT class="fs126">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;Ê.². Ãîëîâ³íà </FONT></P>