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<TR><TD width="100 %" class="tds1"><P class="ps21"><FONT class="fs257"> &nbsp;</FONT><FONT class="fs255"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps12"><FONT class="fs161">Ð²ØÅÍÍß</FONT></P>
<P class="ps12"><FONT class="fs160">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TR><TD width="13 %" class="tds9"><P><FONT class="fs175">Çà ïîçîâîì</FONT></P></TD><TD width="87 %" class="tds9"><P class="ps1">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà «Àêöåíò-Áàíê»</P></TD></TR>
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<TR><TD width="13 %" class="tds10"><P class="ps19"><FONT class="fs174">äî</FONT></P></TD><TD width="87 %" class="tds10"><P class="ps1">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Öåíòð ðåêëàìíî¿ ³ ñóâåí³ðíî¿ ïðîäóêö³¿ «ÀÐÒ Ïð³ëóì»</P></TD></TR>
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<TR><TD width="13 %" class="tds11"><P class="ps19"><FONT class="fs173">ïðî</FONT></P></TD><TD width="87 %" class="tds11"><P>ñòÿãíåííÿ 23&nbsp; 300,32 ãðí.</P></TD></TR>
<P class="ps11"><FONT class="fs172">Ñóääÿ Áîñèé Â.Ï.</FONT></P>
<P class="ps5"><FONT class="fs171">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
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<TR><TD width="20 %" class="tds14"><P><FONT class="fs170">â³ä ïîçèâà÷à:</FONT></P></TD><TD width="80 %" class="tds14"><P class="ps19">íå çÿâèâñÿ</P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="20 %" class="tds15"><P class="ps19"><FONT class="fs169">â³ä â³äïîâ³äà÷à:</FONT></P></TD><TD width="80 %" class="tds15"><P class="ps19">íå çÿâèâñÿ</P></TD></TR>
<P class="ps12"><FONT class="fs168">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps8">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî «Àêöåíò-Áàíê» (íàäàë³  «Áàíê») çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Öåíòð ðåêëàìíî¿ ³ ñóâåí³ðíî¿ ïðîäóêö³¿ «ÀÐÒ Ïð³ëóì» (íàäàë³  «Òîâàðèñòâî») ïðî ñòÿãíåííÿ 23&nbsp; 300,32 ãðí.</P>
<P class="ps8">Ïîçîâí³ âèìîãè îá´ðóíòîâàí³ òèì, ùî íà âèêîíàííÿ óìîâ äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 15.05.2012 ð. ïîçèâà÷ íàäàâ êðåäèò, à â³äïîâ³äà÷ íàëåæíèì ÷èíîì ãðîøîâå çîáîâÿçàííÿ ïî ïîâåðíåííþ êðåäèòó íå âèêîíàâ, â çâÿçêó ç ÷èì âèíèêëà çàáîðãîâàí³ñòü ó ðîçì³ð³ 10&nbsp; 000,00 ãðí. Êð³ì òîãî, ïîçèâà÷åì çàÿâëåíî âèìîãó ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà íàðàõîâàíèìè òà íåñïëà÷åíèìè â ñòðîê ïðîöåíòàìè ó ðîçì³ð³ 7&nbsp; 259,65 ãðí., ïåí³ çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ ïî ïîâåðíåííþ ñóìè êðåäèòó ó ðîçì³ð³ 4&nbsp; 420,67 ãðí. òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1 620,00 ãðí.</P>
<P class="ps8">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 27.05.2015 ð. ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî ¿¿ äî ðîçãëÿäó íà 10.06.2015 ð.</P>
<P class="ps8">Ñóäîâå çàñ³äàííÿ, ïðèçíà÷åíå íà 10.06.2015 ð., íå â³äáóëîñÿ, ó çâÿçêó ç ÷èì óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 06.07.2015 ð. ðîçãëÿä ñïðàâè ïðèçíà÷åíî íà 15.07.2015 ð. </P>
<P class="ps8">Â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê ïîçèâà÷à íå çÿâèâñÿ, ïðè ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé.</P>
<P class="ps8">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, âèìîãè óõâàëè ñóäó íå âèêîíàâ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, ùî ï³äòâåðäæóºòüñÿ â³äì³òêàìè íà çâîðîò³ óõâàëè ñóäó.</P>
<P class="ps7">Çã³äíî ³ç àáç. 3 ï. 3.9.1 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011&nbsp; ð. ¹18 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿» 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 - 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="ps6">Òàêèì ÷èíîì, ñóä ïðèõîäèòü äî âèñíîâêó, ùî ñòîðîíè ïîâ³äîìëåí³ ïðî ÷àñ òà ì³ñöå ñóäîâîãî ðîçãëÿäó íàëåæíèì ÷èíîì, à ìàòåð³àëè ñïðàâè ì³ñòÿòü äîñòàòí³ äîêàçè äëÿ ¿¿ ðîçãëÿäó ïî ñóò³. </P>
<P class="ps6">Îñê³ëüêè ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ â³äïîâ³äà÷ áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, íà ï³äñòàâ³ ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñïðàâà ìîæå áóòè ðîçãëÿíóòà çà íàÿâíèìè â í³é ìàòåð³àëàìè.</P>
<P class="ps8">Â ñóäîâîìó çàñ³äàíí³ ñóäîì îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</P>
<P class="ps8">Ó ñóäîâîìó çàñ³äàíí³ ñêëàäàâñÿ ïðîòîêîë çã³äíî ñòàòò³ 81-1 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps8">Ðîçãëÿíóâøè ïîäàí³ äîêóìåíòè ³ ìàòåð³àëè, âñåá³÷íî ³ ïîâíî ç'ÿñóâàâøè ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îá'ºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà, -</P>
<P class="ps12"><FONT class="fs167">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps8">15.05.2012 ð. Òîâàðèñòâî çâåðíóëîñÿ äî Áàíêó ç çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, ó ðîçä³ë³ 1 (â³äêðèòòÿ ðàõóíêó) ÿêî¿ çàçíà÷åíî, ùî ï³äïèñàâøè äàíó çàÿâó, êë³ºíò ïîãîäæóºòüñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³, ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ çà ðîçðàõóíêîâèìè êàðòêàìè (ùî ðîçì³ùåí³ íà ñàéò³ áàíêó http:// privatbank.ua), òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç ö³ºþ çàÿâîþ òà êàðòêîþ ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </P>
<P class="ps8">Â³äïîâ³äíî äî ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó.</P>
<P class="ps8">Çà ïðèïèñàìè ñò.ñò. 11, 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ âèíèêàþòü, çîêðåìà, ç äîãîâîðó.</P>
<P class="ps8">Çã³äíî ³ç ñò.ñò. 6, 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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="ps8">Â³äïîâ³äíî äî ÷. 1 ñò. 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.</P>
<P class="ps8">Ñòàòòåþ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. </P>
<P class="ps8">Çà çì³ñòîì ñò. 205 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ìîæå â÷èíÿòèñÿ óñíî àáî â ïèñüìîâ³é ôîðì³. Ñòîðîíè ìàþòü ïðàâî îáèðàòè ôîðìó ïðàâî÷èíó, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì. Ïðàâî÷èí, äëÿ ÿêîãî çàêîíîì íå âñòàíîâëåíà îáîâ'ÿçêîâà ïèñüìîâà ôîðìà, ââàæàºòüñÿ â÷èíåíèì, ÿêùî ïîâåä³íêà ñòîð³í çàñâ³ä÷óº ¿õíþ âîëþ äî íàñòàííÿ â³äïîâ³äíèõ ïðàâîâèõ íàñë³äê³â. </P>
<P class="ps8">Ïðè öüîìó, çà ïðèïèñàìè ñò. 207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî éîãî çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâ'ÿçêó. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî â³í ï³äïèñàíèé éîãî ñòîðîíîþ (ñòîðîíàìè). </P>
<P class="ps8">×àñòèíîþ 1 ñòàòò³ 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, 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.</P>
<P class="ps8">Ó ï. 3.18.1.16 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çàçíà÷åíî, ùî 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. <FONT class="fs178">Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps8">Çà òàêèõ îáñòàâèí ñóä ïðèõîäèòü äî âèñíîâêó, ùî ì³æ ñòîðîíàìè áóëî óêëàäåíî äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 15.05.2012 ð. (íàäàë³  «Äîãîâ³ð»).</P>
<P class="ps8">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî 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="ps8">Çà çì³ñòîì ñò. 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.</P>
<P class="ps8">Â³äïîâ³äíî äî ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </P>
<P class="ps8">Çà çì³ñòîì ï. 3.18.1.1 âêàçàíèõ Óìîâ êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà â ìåæàõ êðåäèòíîãî ë³ì³òó.</P>
<P class="ps8">Çã³äíî ç ï. 3.18.1.3 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè. </P>
<P class="ps8">Ó ï. 3.18.2.3.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ïåðåäáà÷åíî, ùî áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ òà âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</P>
<P class="ps8">ßê âñòàíîâëåíî ñóäîì, ïî÷èíàþ÷è ç 18.05.2012 ð. â³äïîâ³äà÷ó â ìåæàõ â³äêðèòîãî êðåäèòíîãî ë³ì³òó âèäàâàëèñü ãðîøîâ³ êîøòè, ÿê³ ñòàíîì íà 13.03.2015 ð. ñêëàëè çàëèøîê íåïîâåðíóòîãî êðåäèòíîãî ë³ì³òó ó ðîçì³ð³ 10&nbsp; 000,00 ãðí.</P>
<P class="ps8">Â³äòàê, ïðèéìàþ÷è äî óâàãè âèçíà÷åíèé Äîãîâîðîì ñòðîê ïîâåðíåííÿ êðåäèòíèõ êîøò³â, à òàêîæ çì³ñò íàä³ñëàíî¿ áàíêîì íà àäðåñó êë³ºíòà ïðåòåíç³¿, ãîñïîäàðñüêèé ñóä âñòàíîâèâ, ùî ñòðîê âèêîíàííÿ Òîâàðèñòâîì îáîâÿçêó ç ïîâåðíåííÿ îòðèìàíèõ êðåäèòíèõ êîøò³â íàñòàâ.</P>
<P class="ps8">Á³ëüø òîãî, ñòàòòåþ 1056-1 &nbsp;Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì 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="ps8">Çà çì³ñòîì ï. 3.18.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ïåðåäáà÷åíî, ùî 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). Çàçíà÷åíèìè Óìîâàìè âñòàíîâëåíî íàñòóïíèé ïîðÿäîê ðîçðàõóíêó ïðîöåíò³â: 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 (ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ) ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï. 3.18.4.1.1); 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% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ (ï. 3.18.4.1.2); 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 ãðîøîâèõ çîáîâÿçàíü, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 48% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ (ï. 3.18.4.1.3). </P>
<P class="ps8">Â³äïîâ³äíî äî ï. 3.18.4.9 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã 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.</P>
<P class="ps8">ßê âáà÷àºòüñÿ ³ç ìàòåð³àë³â ñïðàâè, çà êîðèñòóâàííÿ â³äïîâ³äà÷åì êðåäèòíèì êîøòàìè Áàíêîì íàðàõîâàí³ ïðîöåíòè íà çàãàëüíó ñóìó 7&nbsp; 259,65 ãðí.</P>
<P class="ps8">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.</P>
<P class="ps8">Çã³äíî ³ç ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâÿçàííÿ ìàº âèêîíóâàòèñü 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 òà ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps8">×àñòèíîþ 1 ñò. 625 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèçíà÷åíî, ùî áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâ'ÿçàííÿ.</P>
<P class="ps8">Â³äïîâ³äíî äî ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. Äîêàçè ïîäàþòüñÿ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ñóäîâîãî ïðîöåñó.</P>
<P class="ps8">Ìàòåð³àëàìè ñïðàâè ï³äòâåðäæóºòüñÿ íàÿâí³ñòü ó â³äïîâ³äà÷à ãðîøîâîãî çîáîâÿçàííÿ ïî ñïëàò³ íà êîðèñòü ïîçèâà÷à çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 10&nbsp; 000,00 ãðí. òà ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; 259,65 ãðí. íà ï³äñòàâ³ Äîãîâîðó. Â³äïîâ³äà÷åì âêàçàíà çàáîðãîâàí³ñòü íå ñïðîñòîâàíà, äîêàç³â ¿¿ ïîãàøåííÿ íå íàäàíî.</P>
<P class="ps8">Â³äïîâ³äíî äî ñò. 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps8">Òîâàðèñòâîì îáñòàâèí, ç ÿêèìè ÷èííå çàêîíîäàâñòâî ïîâ'ÿçóº ìîæëèâ³ñòü çâ³ëüíåííÿ éîãî â³ä â³äïîâ³äàëüíîñò³ çà ïîðóøåííÿ çîáîâ'ÿçàííÿ, íå íàâåäåíî.</P>
<P class="ps8">Çà òàêèõ îáñòàâèí, ïîçîâí³ âèìîãè Áàíêó ïðî ñòÿãíåííÿ ç Òîâàðèñòâà ñóìè çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 10&nbsp; 000,00 ãðí. òà ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; 259,65 ãðí. º ïðàâîì³ðíèìè òà îá´ðóíòîâàíèìè.</P>
<P class="ps8">Ïóíêòîì 3.18.4.4 âêàçàíèõ Óìîâ âèçíà÷åíî, ùî êë³ºíò çîáîâÿçàíèé ñïëà÷óâàòè áàíêó âèíàãîðîäó çà êîðèñòóâàííÿ ë³ì³òîì â³äïîâ³äíî äî ï.ï. 3.18.1.6 òà 3.18.2.3.2 ïåðøîãî ÷èñëà êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9 % â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü ó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. Êë³ºíò äîðó÷àº áàíêó çä³éñíþâàòè ñïèñàííÿ âèíàãîðîäè ç³ ñâî¿õ ðàõóíê³â. </P>
<P class="ps8">Ïðèïèñàìè 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.</P>
<P class="ps8">Â òîé æå ÷àñ, êë³ºíò âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ çà Äîãîâîðîì íàëåæíèì ÷èíîì íå âèêîíàâ, ó çâÿçêó ç ÷èì ñòàíîì íà 13.03.2015 ð. âèíèêëà çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1&nbsp; 620,00 ãðí.</P>
<P class="ps8">Çà òàêèõ îáñòàâèí ñóä ïðèõîäèòü äî âèñíîâêó ïðî íåîáõ³äí³ñòü çàäîâîëåííÿ ïîçîâíèõ âèìîã â ÷àñòèí³ ñòÿãíåííÿ çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1&nbsp; 620,00 ãðí.</P>
<P class="ps8">Êð³ì òîãî, ïîçèâà÷åì çàÿâëåíî âèìîãó ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à ïåí³ ó ðîçì³ð³ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4&nbsp; 420,67 ãðí. çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ.</P>
<P class="ps8">Ñóäîì âñòàíîâëåíî, ùî â³äïîâ³äà÷ ó âñòàíîâëåíèé Äîãîâîðîì ñòðîê ñâîãî îáîâÿçêó ïî ïåðåðàõóâàííþ êîøò³â íå âèêîíàâ, äîïóñòèâøè ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ, òîìó ä³¿ â³äïîâ³äà÷à º ïîðóøåííÿì äîãîâ³ðíèõ çîáîâÿçàíü (ñò. 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè), ³ â³í ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ (ñò. 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè), â³äïîâ³äíî º ï³äñòàâè äëÿ çàñòîñóâàííÿ âñòàíîâëåíî¿ çàêîíîì â³äïîâ³äàëüíîñò³.</P>
<P class="ps8">Ñòàòòÿ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî ó ðàç³ ïîðóøåííÿ çîáîâÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, ÿêèìè çîêðåìà º ñïëàòà íåóñòîéêè.</P>
<P class="ps8">Ó â³äïîâ³äíîñò³ äî ÷. 1 ñò. 548 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèêîíàííÿ çîáîâ'ÿçàííÿ (îñíîâíîãî çîáîâ'ÿçàííÿ) çàáåçïå÷óºòüñÿ, ÿêùî öå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</P>
<P class="ps8">Çà çì³ñòîì ñò.ñò. 546, 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèêîíàííÿ çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ, ð³çíîâèäîì ÿêî¿ º øòðàô òà ïåíÿ.</P>
<P class="ps8">Â³äïîâ³äíî äî ÷. 3 ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</P>
<P class="ps8">Çã³äíî ç ï. 3.18.5.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã 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 Íàö³îíàëüíîãî áàíêó Óêðà¿íè, 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.3.18.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. </P>
<P class="ps8">Íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíèõ ï. 3.18.0.5.1, 3.18.5.2, 3.18.5.3, ïðîâîäèòüñÿ ïðîòÿãîì òðüîõ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ïîâèííî áóëî áóòè âèêîíàíèì êë³ºíòîì (ï. 3.18.5.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã). </P>
<P class="ps8">Ñóä ïåðåâ³ðèâ íàäàíèé ïîçèâà÷åì ðîçðàõóíîê òà ââàæàº çà ìîæëèâå ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ ïî ïîâåðíåííþ ñóìè êðåäèòó ó ðîçì³ð³ 4&nbsp; 420,67 ãðí.</P>
<P class="ps8">Çà òàêèõ îáñòàâèí, ñóä ïðèõîäèòü äî âèñíîâêó ïðî íåîáõ³äí³ñòü ïîâíîãî çàäîâîëåííÿ ïîçîâíèõ âèìîã òà ñòÿãíåííÿ ç Òîâàðèñòâà íà êîðèñòü Áàíêó çàáîðãîâàíîñò³ ïî êðåäèòó ó ðîçì³ð³ 10&nbsp; 000,00 ãðí., çàáîðãîâàíîñò³ ïî ñïëàò³ ïðîöåíò³â ó ðîçì³ð³ 7&nbsp; 259,65 ãðí., ïåí³ çà ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâîãî çîáîâÿçàííÿ ïî ïîâåðíåííþ ñóìè êðåäèòó ó ðîçì³ð³ 4&nbsp; 420,67 ãðí. òà çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 1&nbsp; 620,00 ãðí.</P>
<P class="ps9">Â³äïîâ³äíî äî âèìîã ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</P>
<P class="ps6">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</P>
<P class="ps12"><FONT class="fs166">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps4">1.&nbsp; Ïîçîâí³ âèìîãè Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà «Àêöåíò-Áàíê» çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps6"><FONT class="fs251">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="ps3"><FONT class="fs250">Ïîâíå ð³øåííÿ ñêëàäåíî 20.07.2015 ð.</FONT></P>
<P class="ps2"><FONT class="fs165">Ñóääÿ                                                                                                     Â.Ï. Áîñèé</FONT></P>