<TITLE>924/385/15</TITLE>
<!-- BEGIN METADATA -->
<!-- Íàéìåíóâàííÿ ôàéëà ç ð³øåííÿì -->
<META NAME="FILENAME" CONTENT="5025_1212894.html">
<!-- 1,2 ID ð³øåííÿ TAGNAME(DOCID, DOCORGID) - íóæíî äëÿ ïîëó÷åíèÿ ïîäòâåðæäåíèÿ ðååñòðàöèè -->
<META NAME="DOCID" CONTENT="1212894">
<META NAME="DOCORGID" CONTENT="24">
<!-- [3] Íàéìåíóâàííÿ ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(COURTNAME) -->
<META NAME="COURTNAME" CONTENT="Ãîñïîäàðñüêèé ñóä Õìåëüíèöüêî¿ îáëàñò³">
<!-- [4] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT) -->
<META NAME="CAUSECOURT" CONTENT="5025">
<!-- [4.1] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT2013) -->
<META NAME="CAUSECOURT2013" CONTENT="924">
<!-- [5] Ñïðàâà íîìåð TAGNAME(CAUSENUM) -->
<META NAME="CAUSENUM" CONTENT="924/385/15">
<!-- [6] Äàòà ñïðàâè TAGNAME(CAUSEDATE) -->
<META NAME="CAUSEDATE" CONTENT="17.03.2015">
<!-- [7] Äàòà óõâàëåííÿ ð³øåííÿ TAGNAME(DOCDATE) -->
<META NAME="DOCDATE" CONTENT="21.04.2015">
<!-- [9] Ôîðìà ð³øåííÿ (ID) TAGNAME(DOCTYPE) -->
<!-- ð³øåííÿ = 2 -->
<!-- ïîñòàíîâà = 3 -->
<!-- óõâàëà ñóäó = 4 -->
<!-- ñóäîâèé íàêàç = 5 -->
<!-- îêðåìà óõâàëà = 6 -->
<META NAME="DOCTYPE" CONTENT="2">
<!-- [10] Ôîðìà ñóäî÷èíñòâà (ID) TAGNAME(CAUSETYPE) -->
<!-- àäì³í³ñòðàòèâíà = 1 -->
<!-- êðèì³íàëüíà = 2 -->
<!-- ãîñïîäàðñüêà = 3 -->
<!-- öèâ³ëüíà = 4 -->
<!-- àäì³í³ñòðàòèâíå ïðàâîïîðóøåííÿ = 5 -->
<META NAME="CAUSETYPE" CONTENT="3">
<!-- [11] Êîä êàòåãîð³¿ ñïðàâè TAGNAME(CAUSECATEGORY) -->
<META NAME="CAUSECATEGORY" CONTENT="4006">
<!-- [12] Ñïðàâà ðîçãëÿäàºòüñÿ ïî ³íñòàíö³¿ (ID) TAGNAME(CAUSELOCATION) -->
<!-- àïåëÿö³éí³é = A -->
<!-- êàñàö³éí³é = C -->
<META NAME="CAUSELOCATION" CONTENT="P">
<!-- [13] Ïîïåðåäí³é íîìåð ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSENUM) -->
<!-- [14] Ïîïåðåäíÿ äàòà ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSEDATE) -->
<!-- [15] Íîìåð ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSENUM) -->
<!-- [16] Äàòà ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSEDATE) -->
<!-- [17] Äàòà óõâàëåííÿ (ïîñòàíîâëåííÿ) ñóäîâîãî ð³øåííÿ, ùî ïåðåãëÿäàºòüñÿ TAGNAME(PREVRESCAUSEDATE) -->
<!-- [18] Ñóä, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCOURTNAME) -->
<!-- [19] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT) -->
<!-- [19.1] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT2013) -->
<!-- [20] Êîä êàòåãîð³¿ ïîïåðåäíüî¿ ñïðàâè TAGNAME(PREVCAUSECATEGORY) -->
<!-- [21] Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ TAGNAME(SECRETARY) -->
<!-- [22] Çàáîðîíà îïðèëþäíåííÿ TAGNAME(HEARINGCLOSED) -->
<!-- íå çàáîðîíåíî = V -->
<!-- çàáîðîíåíî = Z -->
<!-- çàáîðîíåíî òèì÷àñîâî = T -->
<META NAME="HEARINGCLOSED" CONTENT="V">
<!-- [23] Ê³ëüê-òü àðêóø³â äîêóìåíòà (ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß) -->
<!-- Ñóää³ â ð³øåíí³: -->
<!-- [24] Ïîðÿäêîâèé íîìåð TAGNAME(JUDGEPOSITION) -->
<META NAME="JUDGEPOSITION1" CONTENT="1">
<!-- [25] ÏÐ²ÇÂÈÙÅ, ²Í²Ö²ÀËÈ TAGNAME(JUDGENAME) -->
<META NAME="JUDGENAME1" CONTENT="Ãëàä³é Ñ.Â.">
<!-- [26] ÊÎÄ ÑÓÄÄ² TAGNAME(JUDGECODE) -->
<!-- Ñòîðîíè ð³øåííÿ: -->
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION1" CONTENT="1">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE1" CONTENT="P">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE1" CONTENT="P">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE1" CONTENT="">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE1" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME1" CONTENT="Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê &quot;ÏðèâàòÁàíê&quot; ì. Äí³ïðîïåòðîâñüê">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT1" CONTENT="Ïîçèâà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO1" CONTENT="14360570">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL1" CONTENT="FALSE">
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION2" CONTENT="2">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE2" CONTENT="V">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE2" CONTENT="">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE2" CONTENT="V">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE2" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME2" CONTENT="Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ &quot;ÔÎÒÎÔ²ËÌÀ&quot; ì.Õìåëüíèöüêèé">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT2" CONTENT="Â³äïîâ³äà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO2" CONTENT="38100281">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL2" CONTENT="FALSE">
<!-- [38] Âåðñ³ÿ êë³ºíòà TAGNAME(APPVER) -->
<META NAME="APPVER" CONTENT="1.21.2.174">
<!-- [39] Êîä ïðîâàéäåðà ÅÖÏ TAGNAME(CRYPTPROVIDER) -->
<META NAME="CRYPTPROVIDER" CONTENT="DS13">
<!-- END METADATA -->
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=windows-1251">
<META NAME="Author" CONTENT="">
<META NAME="Description" CONTENT="Document">
<META NAME="Document-state" CONTENT="static">
<META NAME="Updated" CONTENT="21.04.2015 11:52:12">
<META NAME="Robots" CONTENT="All">
<META NAME="Keywords" CONTENT="">
<STYLE TYPE="text/css">
margin-right: 10 mm;
margin-bottom: 10 mm;
mso-paper-source: 0;
@charset "Windows-1251";
font-family: Times New Roman;
font-family: Facefont SSH;
vertical-align: super;
font-family: Times New Roman;
margin-bottom: 0 mm;
white-space: normal;
word-spacing: normal;
text-align: justify;
text-align: justify;
text-align: justify;
text-align: justify;
text-align: justify;
text-align: justify;
text-align: justify;
border-color: black;
margin-bottom: 0 px;
margin-right: 10 px;
background-color: white;
table-layout: fixed;
margin-bottom: 10 px;
border-color: black;
border-style: solid;
border-top-width: 1 px;
border-bottom-width: 1 px;
border-left-width: 1 px;
border-right-width: 1 px;
padding-bottom: 1 px;
padding-right: 5 px;);
border-left-color: White;
border-right-color: White;
border-top-color: White;
border-bottom-color: White;
padding-right: 1 mm;
<P class="ps19"><FONT class="fs225"><IMG src="herb.gif" height=56 width=42></FONT></P>
<P class="ps13"><FONT class="fs120">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÕÌÅËÜÍÈÖÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps10"><FONT class="fs227"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;_________________________________________________________________</FONT></P>
<P class="ps13"><FONT class="fs123">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps13"><FONT class="fs122">Ð²ØÅÍÍß</FONT><FONT class="fs144"> </FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds7"><P><FONT class="fs143"> "21" êâ³òíÿ 2015 ð.</FONT></P></TD><TD width="50 %" class="tds7"><P class="ps18"><FONT class="fs142">Ñïðàâà ¹ 924/385/15</FONT></P></TD></TR>
<P class="ps2">Ãîñïîäàðñüêèé ñóä Õìåëüíèöüêî¿ îáëàñò³ ó ñêëàä³ cóää³ Ãëàä³ÿ Ñ.Â., ðîçãëÿíóâøè ìàòåð³àëè<FONT class="fs141"> çà</FONT> <FONT class="fs140">ïîçîâîì</FONT> ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" ì. Äí³ïðîïåòðîâñüê &nbsp;&nbsp;&nbsp;</P>
<P class="ps11"><FONT class="fs139">äî</FONT> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÔÎÒÎÔ²ËÌÀ ì. Õìåëüíèöüêèé </P>
<P class="ps11"><FONT class="fs138">ïðî</FONT> ñòÿãíåííÿ 114505,23 ãðí.</P>
<P class="ps8"><FONT class="fs137">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P class="ps11">ïîçèâà÷à: íå çÿâèâñÿ &nbsp;</P>
<P class="ps11">â³äïîâ³äà÷ : íå çÿâèâñÿ </P>
<P class="ps11"><FONT class="fs136">Â ñóäîâîìó çàñ³äàíí³ â³äïîâ³äíî äî ÷. 2 ñò. 85 ÃÏÊ Óêðà¿íè ïðîãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ. </FONT></P>
<P class="ps11">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã ïîñèëàºòüñÿ íà íåíàëåæíå âèêîíàííÿ â³äïîâ³äà÷åì óìîâ óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.12ð., óêëàäåííÿ ÿêîãî ï³äòâåðäæóºòüñÿ ïèñüìîâîþ çàÿâîþ â³äïîâ³äà÷à òà ïðèºäíàííÿì äî "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", ðîçì³ùåíèõ â ìåðåæ³ ²íòåðíåò íà ñàéò³ htth://privatbank.ua.</P>
<P class="ps11">Çàçíà÷àº, ùî â³äïîâ³äíî äî ï. 3.2.1.1.16 çàçíà÷åíèõ âèùå Óìîâ  ïðè óêëàäåíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà 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¿ 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="ps11">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, ïðè÷èíè íåÿâêè ñóäó íå ïîâ³äîìèâ. Â ïîïåðåäíüîìó ñóäîâîìó çàñ³äàíí³ ïîçîâí³ âèìîãè ï³äòðèìàâ òà íàïîëÿãàâ íà ¿õ çàäîâîëåíí³.</P>
<P class="ps9">Â ñóäîâ³ çàñ³äàííÿ 07.04.2015ð. òà 21.04.2015ð. â³äïîâ³äà÷ çà âèêëèêîì íå çÿâèâñÿ, äîêàç³â ïîâàæíîñò³ ïðè÷èí íåÿâêè òà â³äçèâó íà ïîçîâ íå íàäàâ. </P>
<P class="ps9">Ó â³äïîâ³äíîñò³ äî ñò. 33 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü.</P>
<P class="ps9">Íåÿâêà â ñóäîâå çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó ïðåäñòàâíèêà â³äïîâ³äà÷à íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè ïî ñóò³ òà íå òÿãíå çà ñîáîþ ïåðåíåñåííÿ ðîçãëÿäó ñïðàâè íà ³íø³ ñòðîêè. Òîìó, äëÿ óíèêíåííÿ çëîâæèâàííÿ ïðàâîì ç áîêó â³äïîâ³äà÷à, âðàõîâóþ÷è, ùî ñóäîì âæèòî âñ³õ çàõîä³â ùîäî íàëåæíîãî ïîâ³äîìëåííÿ â³äïîâ³äà÷à ïðî ñëóõàííÿ ñïðàâè â ñóä³, ñóä ââàæàº çà íåîáõ³äíå ðîçãëÿíóòè äàíó ñïðàâó ïî ñóò³, íà ï³äñòàâ³ äî ñò. 75 ÃÏÊ Óêðà¿íè çà íàÿâíèìè ó í³é äîêóìåíòàìè.</P>
<P class="ps9">Ñóä, îö³íèâøè ïîäàí³ ñòîðîíàìè ïî ñïðàâ³ äîêàçè ââàæàº çà ìîæëèâå ïðèéíÿòè ð³øåííÿ ïî ñóò³.</P>
<P class="ps12"><FONT class="fs134">Ðîçãëÿäîì íàÿâíèõ ìàòåð³àë³â ñïðàâè âñòàíîâëåíî:</FONT></P>
<P class="ps12">Óìîâàìè äîãîâîðó (Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ Òàðèôè áàíêó) ïåðåäáà÷åíî (ï.ï.3.2.1.1.1.), ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Òåõí³êî-åêîíîì³÷íå îá´ðóíòóâàííÿ êðåäèòó - ô³íàíñóâàííÿ ïîòî÷íî¿ ä³ÿëüíîñò³. Ïðî ðîçì³ð ë³ì³òó áàíê ïîâ³äîìëÿº 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). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó, óòâîðþºòüñÿ äåáåòîâå ñàëüäî.</P>
<P class="ps12">Çã³äíî ³ç ï.3.2.1.1.3. Óìîâ êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè. Â³äïîâ³äíî äî ï.3.2.1.1.6. Óìîâ 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="ps12">Ï³äïóíêòîì 3.2.1.1.8. Óìîâ ïåðåäáà÷åíî, ùî ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà 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¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê / ²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³  äàë³ Óãîäà).</P>
<P class="ps12">Â³äïîâ³äíî äî ï.ï. 3.2.1.1.11., 3.2.1.1.12., 3.2.1.1.13. Óìîâ ïåð³îäîì áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì º ïåð³îä ÷àñó, ïðîòÿãîì ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó. Ïî÷àòêîì ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ ïåðøèé äåíü, ïî÷èíàþ÷è ç ÿêîãî áåçïåðåðâíî ³ñíóâàëî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. Çìåíøåííÿ àáî çá³ëüøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ó öåé ïåð³îä íå âïëèâàþòü íà çì³íó äàòè ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì. Äàòîþ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ äåíü, ï³ñëÿ çàê³í÷åííÿ ÿêîãî íà ïîòî÷íîìó ðàõóíêó çàô³êñîâàíî íóëüîâå äåáåòîâå ñàëüäî. Çìåíøåííÿ àáî çá³ëüøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó â ïåð³îä áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, íå âïëèâàþòü íà çì³íó ïî÷àòêó ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì. Äàòîþ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì ââàæàºòüñÿ äåíü, ï³ñëÿ çàê³í÷åííÿ ÿêîãî íà ïîòî÷íîìó ðàõóíêó çàô³êñîâàíî íóëüîâå äåáåòîâîãî ñàëüäî. Ïåð³îä áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì íà ïîòî÷íîìó ðàõóíêó íå á³ëüøå 35 äí³â. </P>
<P class="ps12">Äëÿ ðîçðàõóíêó â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì âñòàíîâëþºòüñÿ äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà. Â³äñîòêîâà ñòàâêà äî ðîçðàõóíêó çàëåæèòü â³ä òåðì³íó ³ñíóâàííÿ íåïîãàøåíîãî çàëèøêó ïî êðåäèòó. </P>
<P class="ps12">Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè òà ïåíþ çà êîðèñòóâàííÿì êðåäèòîì â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ â ðîçì³ð³, ïåðåäáà÷åíîìó öèì ðîçä³ëîì Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps12">Çã³äíî ³ç ï.ï. 3.2.1.1.16., 3.2.1.1.17. Óìîâ ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, 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 òà óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³. Ïðè ïåðåðàõóâàíí³ êë³ºíòîì ç ïîòî÷íîãî ðàõóíêó êîøò³â çà ðàõóíîê êðåäèòíîãî ë³ì³òó íà áóäü-ÿê³ ðàõóíêè àáî ïëàñòèêîâ³ êàðòè, âëàñíèêàìè ÿêîãî º ñàì âëàñíèê ïîòî÷íîãî ðàõóíêó àáî áóäü-ÿê³ ïîâ'ÿçàí³ ç íèì ô³çè÷í³ îñîáè (çà âèêëþ÷åííÿì çàðàõóâàíü çàðîá³òíî¿ ïëàòè), ç ñóìè êîæíîãî ç ïðîâåäåíèõ â ðàõóíîê êðåäèòíîãî ë³ì³òó ïåðåðàõóâàíü ñòÿãóºòüñÿ êîì³ñ³éíà âèíàãîðîäà â ðîçì³ð³ 3% â³ä ñóìè ïåðåðàõóâàíü. Êë³ºíò äîðó÷àº áàíêó ñïèñóâàòè ñóìè òàêî¿ êîì³ñ³éíî¿ âèíàãîðîäè, íàëåæí³ äî ñïëàòè áàíêó, ç³ ñâîãî ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps12">Ï³äïóíêòàìè 3.2.1.4., 3.2.1.4.1, 3.2.1.4.1.1., 3.2.1.4.1.2, 3.2.1.4.1.3. Óìîâ ïåðåäáà÷åíî, ùî çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà). Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â: çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³ ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ), ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³ 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </P>
<P class="ps12">Ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, ó ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëþâàííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, ó ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè ó ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ. </P>
<P class="ps12">Ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56% 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 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.</P>
<P class="ps12">Ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ (ï.ï.3.2.1.4.1.4 Óìîâ).</P>
<P class="ps12">Ï³äïóíêòàìè 3.2.1.4.2. Óìîâ ïåðåäáà÷åíî ùî, â³äïîâ³äíî äî ñò. 212 ÖÊ Óêðà¿íè ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï. 3.2.1.1.1., 3.2.1.1.6., 3.2.1.1.8., 3.2.1.2.2.3., 3.2.1.2.2.4., 3.2.1.2.2.5., 3.18.2.3.4., 3.2.1.2.2.17, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³, çàçíà÷åíîìó â ï. 3.2.1.1.13 (çà âèíÿòêîì âèïàäêó ðåàë³çàö³¿ áàíêîì ïðàâà çì³íè óìîâ, âñòàíîâëåíîãî ï. 3.2.1.1.8). </P>
<P class="ps12">Ñïëàòà â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ðîçðàõîâàíèõ çã³äíî ç ï.ï. 3.2.1.4.1, 3.2.1.4.2 ïðîâîäèòüñÿ â ïîðÿäêó, çàçíà÷åíîìó â ï. 3.2.1.1.1., 3.2.1.2.1.4., 3.2.1.2.2.8. Â³äñîòêè, íåñïëà÷åí³ ï³ñëÿ çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, ââàæàþòüñÿ ïðîñòðî÷åíèìè (êð³ì âèïàäê³â ðîç³ðâàííÿ êðåäèòó çã³äíî ç ï. 3.2.1.2.3.4). Ñïëàòà â³äñîòê³â ìîæå áóòè ïðîâåäåíà êë³ºíòîì òàêîæ ç ³íøèõ íàëåæíèõ éîìó ðàõóíê³â ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó (ï. 3.2.1.4.3 Óìîâ).</P>
<P class="ps12">Çã³äíî ç ï.ï.3.2.1.4.4. Óìîâ êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6., 3.2.1.2.3.2., 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. Êë³ºíò äîðó÷àº áàíêó çä³éñíþâàòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â. Ñïëàòà âèíàãîðîäè çä³éñíþºòüñÿ â ãðèâí³. Ó âèïàäêó, ÿêùî êðåäèò âèäàºòüñÿ â ³íîçåìí³é âàëþò³, âèíàãîðîäà ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè (ï.3.2.1.4.5 Óìîâ).</P>
<P class="ps12">Ïóíêòîì 3.2.1.5.1. Óìîâ âñòàíîâëåíà â³äïîâ³äàëüí³ñòü ñòîð³í, çîêðåìà, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç îáîâÿçê³â ïî îïëàò³ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.1.2.2.2., 3.2.1.4.1., 3.2.1.4.2., 3.2.1.4.3., òåðì³í 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 âèïëà÷óº áàíêó çà êîæåí âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé âèïëà÷óºòüñÿ ïåíÿ (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæåí äåíü ïðîñòðî÷êè ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, êë³ºíò ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³, âêàçàíîìó â ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷êè. Ñïëàòà ïåí³ çä³éñíþºòüñÿ â ãðèâí³. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè.</P>
<P class="ps12">ßê ïåðåäáà÷åíî ï.3.2.1.5.4. Óìîâ, íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.5.1., 3.2.1.5.2., 3.2.1.5.3., çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì. &nbsp;</P>
<P class="ps12">Çã³äíî çàÿâè â³ä 29.03.2012ð. ÒÎÂ ÔÎÒÎÔ²ËÌÀ âèðàçèëî ñâîº ïîãîäæåííÿ ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàìè áàíêà, ÿê³ ðàçîì ç ö³ºþ çàÿâîþ ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</P>
<P class="ps12">Çà çàÿâîþ â³äïîâ³äà÷à â áàíêó áóëî â³äêðèòî ðàõóíîê ïîòî÷íèé òà êàðòêîâèé. &nbsp;&nbsp;</P>
<P class="ps12">21.01.2015ð. ïîçèâà÷ çâåðíóâñÿ äî â³äïîâ³äà÷à ç ïðåòåíç³ºþ íåãàéíî ïîãàñèòè ïðîñòðî÷åíó çàáîðãîâàí³ñòü çà äîãîâîðîì â³ä 29.03.12ð., ÿêà çàëèøåíà â³äïîâ³äà÷åì áåç â³äïîâ³ä³ òà çàäîâîëåííÿ.</P>
<P class="ps11"><FONT class="fs133">Äîñë³äæóþ÷è íàäàí³ &nbsp;äîêàçè, îö³íþþ÷è ¿õ â ñóêóïíîñò³, ñóäîì áåðåòüñÿ äî óâàãè &nbsp;òàêå:</FONT></P>
<P class="ps11">Çã³äíî ç ñò.627 ÖÊ Óêðà¿íè â³äïîâ³äíî äî ñòàòò³ 6 öüîãî Êîäåêñó ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³. </P>
<P class="ps12">Çã³äíî ç ñò.638 ÖÊ Óêðà¿íè äîãîâ³ð º óêëàäåíèì, ÿêùî ñòîðîíè â íàëåæí³é ôîðì³ äîñÿãëè çãîäè ç óñ³õ ³ñòîòíèõ óìîâ äîãîâîðó. ²ñòîòíèìè óìîâàìè äîãîâîðó º óìîâè ïðî ïðåäìåò äîãîâîðó, óìîâè, ùî âèçíà÷åí³ çàêîíîì ÿê ³ñòîòí³ àáî º íåîáõ³äíèìè äëÿ äîãîâîð³â äàíîãî âèäó, à òàêîæ óñ³ ò³ óìîâè, ùîäî ÿêèõ çà çàÿâîþ õî÷à á îäí³º¿ ³ç ñòîð³í ìàº áóòè äîñÿãíóòî çãîäè. </P>
<P class="ps12">Çã³äíî ç ÷.2 ñò.639 ÖÊ Óêðà¿íè,<FONT class="fs132"> </FONT>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="ps12">Â³äïîâ³äíî äî ÷. 1 ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà &nbsp;êðåäèòíèì &nbsp;äîãîâîðîì &nbsp;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 class="ps12">Ñóäîì âðàõîâóºòüñÿ, ùî ïîçèâà÷ òà â³äïîâ³äà÷ äîìîâèëèñü ïðî óêëàäåííÿ äîãîâîðó ïðî êðåäèòóâàííÿ øëÿõîì ï³äïèñàííÿ çàÿâè â³ä 29.03.12ð. ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, çã³äíî ÿêî¿ â³äïîâ³äà÷ ïðèºäíàâñÿ äî Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèô³â áàíêó, íà â³äêðèòòÿ ðàõóíê³â. Ïðè öüîìó íèìè äîñÿãíóòî çãîäè çà âñ³ìà ³ñòîòíèìè óìîâàìè äàíîãî äîãîâîðó. &nbsp;</P>
<P class="ps12"> Çã³äíî ç ñò.526 ÖÊ Óêðà¿íè 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. </P>
<P class="ps1">Çã³äíî ç ñò. 1056-1 ÖÊ Óêðà¿íè ðîçì³ð ïðîöåíò³â òà ïîðÿäîê ¿õ ñïëàòè çà äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè òà ³íøèõ ôàêòîð³â.</P>
<P class="ps12">Ñòàòòåþ 625 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ. Áîðæíèê, ÿêèé ïðîñòðî÷èâ âèêîíàííÿ ãðîøîâîãî çîáîâ'ÿçàííÿ, íà âèìîãó êðåäèòîðà çîáîâ'ÿçàíèé ñïëàòèòè ñóìó áîðãó ç óðàõóâàííÿì âñòàíîâëåíîãî ³íäåêñó ³íôëÿö³¿ çà âåñü ÷àñ ïðîñòðî÷åííÿ, à òàêîæ òðè ïðîöåíòè ð³÷íèõ â³ä ïðîñòðî÷åíî¿ ñóìè, ÿêùî ³íøèé ðîçì³ð ïðîöåíò³â íå âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. </P>
<P class="ps12">Â³äïîâ³äíî äî ÷.÷.1-3 ñò. 549 ÖÊ Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî &nbsp;ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. Çã³äíî ç ÷.÷. 1, 2 ñò. 551 ÖÊ Óêðà¿íè, ïðåäìåòîì íåóñòîéêè ìîæå áóòè ãðîøîâà ñóìà, ðóõîìå ³ íåðóõîìå ìàéíî. ßêùî ïðåäìåòîì íåóñòîéêè º ãðîøîâà ñóìà, ¿¿ ðîçì³ð âñòàíîâëþºòüñÿ äîãîâîðîì àáî àêòîì öèâ³ëüíîãî çàêîíîäàâñòâà.</P>
<P class="ps12">Â³äïîâ³äíî äî ñò.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÷åííÿ ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í. Çã³äíî ñò.3 çàçíà÷åíîãî Çàêîíó ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñò.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. </P>
<P class="ps12">Ïóíêòîì 3.2.1.4 Óìîâ ñòîðîíè ïåðåäáà÷èëè ïîðÿäîê ïðîâåäåííÿ ðîçðàõóíê³â (ïîâåðíåííÿ êðåäèòó òà ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì), ñïëàòó âèíàãîðîäè çà âèêîðèñòàííÿ &nbsp;ë³ì³òó, à òàêîæ ïåíþ çà êîæåí äåíü ïðîñòðî÷åííÿ ¿õ ñïëàòè. Ïðè öüîìó çã³äíî ç ï. 3.2.1.2.3.4. Óìîâ áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî äàíèìè Óìîâàìè, âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì ó ïîâíîìó îáñÿç³.</P>
<P class="ps12">Òàêèì ÷èíîì, âðàõîâóþ÷è ïîäàííÿ ïîçèâà÷åì äîêàç³â, ùî ï³äòâåðäæóþòü çàÿâëåíó äî ñòÿãíåííÿ ñóìó áîðãó â³äïîâ³äà÷à, òà ïðàâèëüí³ñòü íàðàõóâàííÿ ïåí³ ïîçîâí³ âèìîãè îá´ðóíòîâàí³ òà ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps12">Ó çâ'ÿçêó ³ç çàäîâîëåííÿì ïîçîâó ñóäîâ³ âèòðàòè ïî ñïðàâ³ (ñóäîâèé çá³ð) íà ï³äñòàâ³ ñò.49 ÃÏÊ Óêðà¿íè ï³äëÿãàþòü ïîêëàäåííþ íà â³äïîâ³äà÷à.</P>
<P class="ps5">Êåðóþ÷èñü ñò.ñò. 1, 2, 4<FONT class="fs211">5</FONT>, 12, 13, 33, 43, 49, 82-85, 115, 116 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä<FONT class="fs131"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs130">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps2"><FONT class="fs125">Âèäàòè íàêàç.</FONT></P>
<P class="ps5">Ïîâíå ð³øåííÿ ñêëàäåíî 22.04.2015ð. &nbsp;</P>
<P class="ps16"><FONT class="fs213">Ñóääÿ                                                                      Ñ. Â. Ãëàä³é</FONT></P>
<P class="ps17"><FONT class="fs223">Ïîì³÷íèê ñóää³ ².Ì. Âàëü÷óê</FONT></P>
<P><FONT class="fs222">Â³ääðóê. 3 ïðèì. :</FONT></P>
<P><FONT class="fs221">1 - äî ñïðàâè, </FONT></P>
<P><FONT class="fs219">3 - â³äïîâ³äà÷ó(ì. Õìåëüíèöüêèé, âóë. Ìîëîä³æíà,2/3Â, êâ.6)(ïðîñò.)</FONT></P>
<P><FONT class="fs217">                                                                       </FONT></P>