<TITLE>908/3013/15</TITLE>
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<P class="ps11"><FONT class="fs262"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps7">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs115">&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs114">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs113">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps0"> 01.07.2015                     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 ¹ 908/3013/15                               </P>
<P class="ps4">Ãîñïîäàðñüêèé ñóä Äîíåöüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Óõàíüîâî¿ Î.Î. &nbsp;ïðè ïîì³÷íèêó ñóää³ Àíäðººâî¿ Ì.À., ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè:</P>
<P class="ps1">çà ïîçîâîì &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà ÀÂÒÎÊÐÀÇÁÀÍÊ </P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Êðåìåí÷óê Ïîëòàâñüêî¿ îáëàñò³</P>
<P class="ps1">äî â³äïîâ³äà÷à &nbsp; &nbsp;&nbsp;&nbsp;&nbsp;Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÄÅÁÎÐ-²ÍÂÅÑÒ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì.Äîíåöüê</P>
<P class="ps1"><FONT class="fs112">ïðî</FONT> ñòÿãíåííÿ 64524031,50ãðí.</P>
<P class="ps1"><FONT class="fs111">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í :</FONT></P>
<P class="ps1">â³ä ïîçèâà÷à&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-&nbsp; &nbsp;&nbsp;íå ÿâèâñÿ,</P>
<P class="ps1">â³ä â³äïîâ³äà÷à&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-&nbsp; &nbsp;&nbsp;íå ÿâèâñÿ.</P>
<P class="ps9">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 class="fs110">ÑÓÒÜ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps2">06.05.2015ð. äî ãîñïîäàðñüêîãî ñóäó Çàïîð³çüêî¿ îáëàñò³ íàä³éøëà ïîçîâíà çàÿâà ÏÀÒ "ÀÂÒÎÊÐÀÇÁÀÍÊ<FONT class="fs109">" </FONT>ì. Êðåìåí÷óê ïðî ñòÿãíåííÿ ç ÒÎÂ ÄÅÁÎÐ-²ÍÂÅÑÒ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Äîíåöüê 64524031,50ãðí., ç ÿêèõ: 51102000,00ãðí. - çàáîðãîâàí³ñòü çà êðåäèòîì, 10470891,00ãðí. - çàáîðãîâàí³ñòü ïî ïðîñòðî÷åíèì â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì, 2951140,50ãðí. - çàáîðãîâàí³ñòü ïî ïîòî÷íèì ïðîöåíòàì çà êðåäèòîì.</P>
<P class="ps2">07.05.2015ð. óõâàëîþ ãîñïîäàðñüêîãî ñóäó Çàïîð³çüêî¿ îáëàñò³ ïîçîâíà çàÿâà ¹05/106-08 â³ä 16.04.2015ð. ç äîäàíèìè äî íå¿ äîêóìåíòàìè íàïðàâëåíà äëÿ ðîçãëÿäó çà òåðèòîð³àëüíîþ ï³äñóäí³ñòþ äî ãîñïîäàðñüêîãî ñóäó Äîíåöüêî¿ îáëàñò³.</P>
<P class="ps2">19.05.2015ð. óõâàëîþ ãîñïîäàðñüêîãî ñóäó Äîíåöüêî¿ îáëàñò³ ïîðóøåíî ïðîâàäæåííÿ ïî ñïðàâ³.</P>
<P class="ps2">Â ï³äòâåðäæåííÿ ïîçîâíèõ âèìîã ïîçèâà÷ íàäàâ êîï³¿ äîãîâîðó ïðî êðåäèòíó ë³í³þ ¹71-Ê/Ë â³ä 19.11.2012ð. ç äîäàòêîâèìè óãîäàìè äî íüîãî ¹1 â³ä 30.11.2012ð., ¹2 â³ä 17.12.2012ð., ¹3 â³ä 27.12.2012ð., ¹4 â³ä 01.02.2013ð., ¹5 â³ä 26.02.2013ð., ¹6 â³ä 29.04.2013ð., ¹7 â³ä 29.05.2013ð., ¹8 â³ä 29.08.2013ð., ¹9 â³ä 18.11.2013ð., ¹10 â³ä 20.12.2013ð., ¹11 â³ä 27.02.2014ð., ¹12 â³ä 21.03.2014ð., òà ðîçðàõóíîê âèìîã áàíêó ñòàíîì íà 12.03.2015ð.</P>
<P class="ps2">02.06.2015ð. ïîçèâà÷åì íàäàí³ äîäàòêîâ³ äîêóìåíòè, à ñàìå: âèòÿã ç ªÄÐÏÎÓ, êîï³¿ çàÿâ â³äïîâ³äà÷à ùîäî íàäàííÿ êîøò³â òà ìåìîð³àëüíèõ îðäåð³â, ÿê³ çàëó÷åí³ äî ìàòåð³àë³â ñïðàâè. </P>
<P class="ps2">25.06.2015ð. íà àäðåñó ñóäó íàä³éøîâ ëèñò ïîçèâà÷à, â ÿêîìó îñòàíí³é ïîâ³äîìëÿº ïðî íåìîæëèâ³ñòü íàäàííÿ îðèã³íàë³â äîêóìåíò³â òà ïðîñèòü ðîçãëÿäàòè ñïðàâó áåç ó÷àñò³ éîãî ïðåäñòàâíèêà.</P>
<P class="ps2">30.06.2015ð. åëåêòðîííîþ ïîøòîþ â³ä ïîçèâà÷à îòðèìàí³ ïîÿñíåííÿ ùîäî â³äñóòíîñò³ ó íüîãî âèìîãè äî â³äïîâ³äà÷à ïðî ïîâåðíåííÿ êðåäèòó ç ïîñèëàííÿì íà Êîíñòèòóö³þ Óêðà¿íè.</P>
<P class="ps6">Â³äïîâ³äà÷ æîäíîãî ðàçó íå ñêîðèñòàâñÿ ñâî¿ì çàêîííèì ïðàâîì íà ó÷àñòü â ñóäîâîìó çàñ³äàíí³, ïðî ïðè÷èíó íåÿâêè íå ïîâ³äîìèâ, äîäàòêîâèõ äîêóìåíò³â äî ìàòåð³àë³â ñïðàâè íå íàäàâ.</P>
<P class="ps2">Â³äïîâ³äíî äî ïðàâîâî¿ ïîçèö³¿, âèêëàäåíî¿ ó ïîñòàíîâ³ ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011ð. «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ&nbsp; &nbsp;&nbsp;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 ÃÏÊ.</P>
<P class="ps2">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 81-1 ÃÏÊ), º íàëåæíèì ï³äòâåðäæåííÿì ïîâ³äîìëåííÿ òàêî¿ ñòîðîíè (³íøîãî ó÷àñíèêà ñóäîâîãî ïðîöåñó) ïðî ÷àñ ³ ì³ñöå íàñòóïíîãî ñóäîâîãî çàñ³äàííÿ.</P>
<P class="ps2">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="ps2">Ãîñïîäàðñüêèé ñóä âèð³øóº ñï³ð ïî ñóò³ áåç ÿâêè ïðåäñòàâíèê³â â³äïîâ³äà÷à íà ï³äñòàâ³ ñò.75 ÃÏÊ Óêðà¿íè çà íàÿâíèìè â ìàòåð³àëàõ ñïðàâè äîêóìåíòàìè, îñê³ëüêè âîíè º äîñòàòí³ìè äëÿ âèð³øåííÿ ñïîðó.</P>
<P class="ps2">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä, - </P>
<P class="ps10">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 class="fs108">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps2">Ïðåäìåòîì ïîçîâó º ñòÿãíåííÿ ç â³äïîâ³äà÷à 64524031,50ãðí., ç ÿêèõ: 51102000,00ãðí. - çàáîðãîâàí³ñòü çà êðåäèòîì, 10470891,00ãðí. - çàáîðãîâàí³ñòü ïî ïðîñòðî÷åíèì â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì, 2951140,50ãðí. - çàáîðãîâàí³ñòü ïî ïîòî÷íèì ïðîöåíòàì çà êðåäèòîì.</P>
<P class="ps2">Ï³äñòàâîþ çâåðíåííÿ º íåíàëåæíå âèêîíàííÿ â³äïîâ³äà÷åì óìîâ çà äîãîâîðîì ïðî êðåäèòíó ë³í³þ ¹71-Ê/Ë â³ä 19.11.2012ð.</P>
<P class="ps2">Â³äïîâ³äíî äî ÷. 1 ñò. 67 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè â³äíîñèíè ï³äïðèºìñòâà ç ³íøèìè ï³äïðèºìñòâàìè, îðãàí³çàö³ÿìè, ãðîìàäÿíàìè â óñ³õ ñôåðàõ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, âèêîíóþòüñÿ íà ï³äñòàâ³ äîãîâîð³â.</P>
<P class="ps2">Ç ìàòåð³àë³â ñïðàâè âáà÷àºòüñÿ, ùî 19.11.2012ð. ÏÀÒ «ÀÂÒÎÊÐÇÁÀÍÊ» (ïîçèâà÷, äàë³ - áàíê, êðåäèòîð) òà ÒÎÂ «ÄÅÁÎÐ ²ÍÂÅÑÒ» (ïîçè÷àëüíèê) ï³äïèñàëè äîãîâ³ð ¹71-Ê/Ë, ÿêèé çà ñâîºþ ïðàâîâîþ ïðèðîäîþ º êðåäèòíèì äîãîâîðîì, ïðàâîâ³äíîñèíè çà ÿêèì ðåãóëþþòüñÿ ðîçä³ëîì 2 ãëàâè 71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè "Ïîçèêà. Êðåäèò. Áàíê³âñüêèé âêëàä", ïàðàãðàôîì 1 ãëàâè 35 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, Çàêîíàìè Óêðà¿íè "Ïðî áàíêè ³ áàíê³âñüêó ä³ÿëüí³ñòü", Ïðî ô³íàíñîâ³ ïîñëóãè òà äåðæàâíå ðåãóëþâàííÿ ðèíê³â ô³íàíñîâèõ ïîñëóã" òà ³íøèìè íîðìàòèâíî-ïðàâîâèìè àêòàìè. </P>
<P class="ps2">²ñòîòíèìè óìîâàìè ó êðåäèòíîìó äîãîâîð³ º ìåòà, ñóìà ³ ñòðîê êðåäèòó, óìîâè ³ ïîðÿäîê éîãî âèäà÷³ òà ïîãàøåííÿ, âèäè çàáåçïå÷åííÿ çîáîâ'ÿçàíü ïîçè÷àëüíèêà, â³äñîòêîâ³ ñòàâêè, ïîðÿäîê ïëàòè çà êðåäèò, îáîâ'ÿçêè, ïðàâà ³ â³äïîâ³äàëüí³ñòü ñòîð³í ùîäî âèäà÷³ òà ïîãàøåííÿ êðåäèòó (÷.2 ñò.345 ÃÊ Óêðà¿íè).</P>
<P class="ps2">Â³äïîâ³äíî äî óìîâ öüîãî äîãîâîðó áàíê &nbsp;íàäàº ïîçè÷àëüíèêó êðåäèò &nbsp;ó âèãëÿä³ â³äíîâëþâàëüíî¿ â³äêëè÷íî¿ êðåäèòíî¿ ë³í³¿ ç ë³ì³òîì êðåäèòóâàííÿ 13250000,00ãðí. (â ïîäàëüøîìó çá³ëüøåíèé äî 65000000,00ãðí. äîäàòêîâîþ óãîäîþ ¹11 â³ä 27.02.2014ð.) &nbsp;íà óìîâàõ, âèçíà÷åíèõ öèì äîãîâîðîì, à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ ïðèéíÿòè, íàëåæíèì ÷èíîì âèêîðèñòîâóâàòè òà ñâîº÷àñíî â ïîâíîìó îáñÿç³ ïîâåðíóòè áàíêó êðåäèò òà ñïëàòèòè ïðîöåíòè, êîì³ñ³þ, à ó âèïàäêàõ, âèçíà÷åíèõ öèì äîãîâîðîì  òàêîæ øòðàô, íåóñòîéêó òà âèêîíàòè ³íø³ ãðîøîâ³, ìàéíîâ³ òà íåìàéíîâ³ çîáîâÿçàííÿ, ïåðåäáà÷åí³ öèì äîãîâîðîì (ï.1.1 Äîãîâîðó).</P>
<P class="ps2">Â³äïîâ³äíî äî ï.1.2. äîãîâîðó âèêëàäåíîãî â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹12 â³ä 21.03.2014ð. ñòðîê ä³¿ êðåäèòíî¿ ë³í³¿ ç 19.11.2012ð. ïî 17.11.2015ð.(âêëþ÷íî).</P>
<P class="ps2">Ïîçè÷àëüíèê âèêîðèñòîâóº îòðèìàí³ êîøòè ç ö³ëüîâèì ïðèçíà÷åííÿì íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â. </P>
<P class="ps2">Â³äïîâ³äíî äî ï.1.7 äîãîâîðó ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâóþòüñÿ ç ìîìåíòó îòðèìàííÿ Ïîçè÷àëüíèêîì êîøò³â (çàðàõóâàííÿ íà ïîòî÷íèé ðàõóíîê ïîçè÷àëüíèêà) äî ïîâíîãî ïîãàøåííÿ êðåäèòó. Íàðàõóâàííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþºòüñÿ çà ìåòîäîì «ôàêò/360». Ê³ëüê³ñòü äí³â â ðîö³ óìîâíî ïðèéìàºòüñÿ çà 360 äí³â. Ïðè ðîçðàõóíêó ïðîöåíò³â âðàõîâóºòüñÿ äåíü íàäàííÿ ³ íå âðàõîâóºòüñÿ äåíü ïîãàøåííÿ êðåäèòó.</P>
<P class="ps2">Çã³äíî ï. 3.6 äîãîâîðó (â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹12 â³ä 21.03.2014ð.) ïîçè÷àëüíèê ñïëà÷óº íàðàõîâàí³ ïðîöåíòè ùîêâàðòàëüíî, íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ïîòî÷íîãî êâàðòàëó.</P>
<P class="ps2">Â³äïîâ³äíî äî ï.3.7 äîãîâîðó ó âèïàäêó íåñïëàòè íàðàõîâàíèõ ïðîöåíò³â ó âñòàíîâëåíèé ñòðîê, íàñòóïíîãî ðîáî÷îãî äíÿ âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè ³ â³äîáðàæàþòüñÿ áàíêîì íà ðàõóíêó ïðîñòðî÷åíèõ ïðîöåíò³â.</P>
<P class="ps2">Çã³äíî ï.1.9 äîãîâîðó áàíê ìàº ïðàâî ïðèïèíèòè íàäàííÿ êðåäèòó çã³äíî ç êðåäèòíîþ ë³í³ºþ áåç äîäàòêîâîãî óçãîäæåííÿ ç ïîçè÷àëüíèêîì. </P>
<P class="ps2">Â³äïîâ³äíî äî ï.3 öåé äîãîâ³ð íàáèðàº ÷èííîñò³ ç ìîìåíòó éîãî ï³äïèñàííÿ, ä³º ïðîòÿãîì ñòðîêó ä³¿ êðåäèòíî¿ ë³í³¿ ³ äî ïîâíîãî âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü çà äîãîâîðîì, êð³ì âèïàäê³â äîñòðîêîâîãî ïðèïèíåííÿ éîãî ä³¿ çà çãîäîþ ñòîð³í ó ïèñüìîâ³é ôîðì³ ÷è â³äïîâ³äíî äî çàêîíó. Ó áóäü ÿêîìó ðàç³ ùîäî íåïîãàøåíî¿ ïîçè÷àëüíèêîì çàáîðãîâàíîñò³ äîãîâ³ð ä³º (â òîìó ÷èñë³, â ÷àñòèí³ çàñòîñóâàííÿ ïðîöåíò³â òà ïåí³) äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³.</P>
<P class="ps2">Ãîñïîäàðñüêèé ñóä, äîñë³äèâøè óìîâè äîãîâîðó, ðîáèòü âèñíîâîê, ùî ñòîðîíàìè â&nbsp; &nbsp;&nbsp;äàíîìó êðåäèòíîìó äîãîâîð³ (ç óðàõóâàííÿì äîäàòêîâèõ óãîä äî íüîãî) ïîãîäæåí³ âñ³ ³ñòîòí³ óìîâè, â³äñóòí³ äîêàçè âèçíàííÿ éîãî íåä³éñíèì, òîìó çàçíà÷åíèé äîãîâ³ð º óêëàäåíèì òà îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </P>
<P class="ps2">Çà óìîâàìè ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³ - ÃÊ 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.</P>
<P class="ps2">Â³äïîâ³äíî äî ñò.ñò.525-526 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè (äàë³ - ÖÊ Óêðà¿íè)&nbsp; &nbsp;&nbsp;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. Ñòàòòåþ 629 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps2">Â³äïîâ³äíî äî ÷.3 ñò. 1049 ÖÊ Óêðà¿íè ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò ïåðåäàííÿ ïîçèêîäàâöåâ³ ðå÷åé, âèçíà÷åíèõ ðîäîâèìè îçíàêàìè, àáî çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà éîãî áàíê³âñüêèé ðàõóíîê.</P>
<P class="ps2">Çã³äíî ñò. 526 Öèâ³ëüíîãî Êîäåêñó 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì (ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè). Ñòàòòåþ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</P>
<P class="ps2">Ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à 51102000,00ãðí. ñòðîêîâî¿ çàáîðãîâàíîñò³ çà êðåäèòîì, îñê³ëüêè ó îñòàííüîãî íàÿâíà çàáîðãîâàí³ñòü ïî ñïëàò³ â³äñîòê³â ç ïîñèëàííÿì íà íîðìè Êîíñòèòóö³¿ Óêðà¿íè ùîäî íåìîæëèâîñò³ îáìåæåííÿ áóäü-ÿêî¿ îñîáè çâåðíóòèñü çà ñóäîâèì çàõèñòîì.</P>
<P class="ps2">Ãîñïîäàðñüêèé ñóä â³äìîâëÿº ó ñòÿãíåíí³ ö³º¿ ñóìè ç îãëÿäó íà íàñòóïíå:</P>
<P class="ps2">Â³äïîâ³äíî äî ï.1.2. äîãîâîðó âèêëàäåíîãî â ðåäàêö³¿ äîäàòêîâî¿ óãîäè ¹12 â³ä 21.03.2014ð. ñòðîê ä³¿ êðåäèòíî¿ ë³í³¿ ç 19.11.2012ð. ïî 17.11.2015ð.(âêëþ÷íî).</P>
<P class="ps2">Ïóíêòîì 6.7 äîãîâîðó ïåðåäáà÷åíî ïðàâî áàíêó íà äîñòðîêîâå ïîâåðíåííÿ çàáîðãîâàíîñò³ ïî ñïëàò³ êðåäèòó â ïîâíîìó îáñÿç³, à ïîçè÷àëüíèê ïîâèíåí ñïëàòèòè êîøòè ïðîòÿãîì 30 äí³â ç äàòè îòðèìàííÿ â³ä áàíêó â³äïîâ³äíî¿ âèìîãè. Öåé ïóíêò êîðåñïîíäóºòüñÿ ç ïóíêòîì 5.5 äîãîâîðó ùîäî íåîáõ³äíîñò³ ïèñüìîâî¿ âèìîãè áàíêó.</P>
<P class="ps2">Ö³ óìîâè äîãîâîðó óçãîäæåí³ îáîìà ñòîðîíàìè òà íå ìîæóòü áóòè çì³íåí³ îäí³º¿ ³ç ñòîð³í â îäíîñòîðîííüîìó ïîðÿäêó.</P>
<P class="ps2">Ùî ñòîñóºòüñÿ ïîñèëàííÿ ïîçèâà÷à íà íàÿâí³ñòü éîãî áåççàïåðå÷íîãî ïðàâà íà ñóäîâèé çàõèñò, ãîñïîäàðñüêèé ñóä çàçíà÷àº, ùî ïîçîâ ïðèéíÿòèé äî ðîçãëÿäó, ïîðóøåíî ïðîâàäæåííÿ ïî ñïðàâ³, à òîìó âèìîãè Êîíñòèòóö³¿ Óêðà¿íè òà ïðàâà ïîçèâà÷à íå ïîðóøåí³.</P>
<P class="ps2">Êð³ì òîãî, ó çâ'ÿçêó ç íåâèêîíàííÿì íàëåæíèì ÷èíîì, ïðèéíÿòèõ íà ñåáå â³äïîâ³äà÷åì çîáîâ'ÿçàíü, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç îñòàííüîãî çà ïåð³îä ç 25.03.2014ð. ïî 24.12.2015ð. çàáîðãîâàí³ñòü ïî ïðîñòðî÷åíèì â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì, â ñóì³ 10470891,00ãðí. òà &nbsp;2951140,50ãðí. çàáîðãîâàíîñò³ ïî ïîòî÷íèì ïðîöåíòàì çà êðåäèòîì çà ïåð³îä ç 25.12.2014ð. ïî 11.03.2015ð.</P>
<P class="ps2">Íàÿâí³ñòü çàáîðãîâàíîñò³ ï³äòâåðäæåíà âèïèñêàìè ç â³äïîâ³äíèõ áàíê³âñüêèõ ðàõóíê³â, òîìó âèìîãà º îá´ðóíòîâàíîþ òà òàêîþ, ùî ï³äëÿãàº çàäîâîëåííþ â ïîâíîìó îáñÿç³.</P>
<P class="ps2">Âðàõîâóþ÷è âèùåâèêëàäåíå òà áåðó÷è äî óâàãè, ùî âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ ïî â³äñîòêàì â³äïîâ³äíî óìîâ äî äîãîâîðó êðåäèòó º ïðàâîì³ðíèìè, äîâåäåíèìè íàëåæíèì ÷èíîì òà ï³äòâåðäæåí³ ìàòåð³àëàìè ñïðàâè, âîíè º îá´ðóíòîâàíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ. </P>
<P class="ps2">Âðàõîâóþ÷è, ùî ñï³ð âèíèê ç âèíè â³äïîâ³äà÷à, íà îñòàííüîãî ïîêëàäàºòüñÿ ñóäîâèé çá³ð â³äïîâ³äíî äî ñò.49 ÃÏÊ Óêðà¿íè. </P>
<P class="ps2">Íà ï³äñòàâ³ ãë.48,49,71 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ãë.35,ñò.67,193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, êåðóþ÷èñü ñò.ñò.33,43,49,75,82,82-1,84,85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä, </P>
<P class="ps9">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 class="fs107">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps6">Çàäîâîëüíèòè ïîçîâ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "ÀÂÒÎÊÐÀÇÁÀÍÊ<FONT class="fs106">" &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>ì. Êðåìåí÷óê äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÄÅÁÎÐ ²ÍÂÅÑÒ" ì. Äîíåöüê ïðî ñòÿãíåííÿ 64524031,50ãðí. ÷àñòêîâî.</P>
<P class="ps3">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 01.07.2015ð.</P>
<P class="ps0">          </P>
<P class="ps0"><FONT class="fs104"> 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Î.Î. Óõàíüîâà</FONT><FONT class="fs260">           </FONT></P>
<P class="ps0"><FONT class="fs103"> </FONT><FONT class="fs259">                    </FONT><FONT class="fs102">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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="ps0"><FONT class="fs101"> </FONT><FONT class="fs258">                    </FONT><FONT class="fs100">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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="ps0"> </P>