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<P class="ps13"><FONT class="fs139"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps9"><FONT class="fs72">Ãîñïîäàðñüêèé ñóä ×åðí³ã³âñüêî¿ îáëàñò³</FONT></P>
<P class="ps9"><FONT class="fs137">========================================================================================================================================================================</FONT></P>
<P class="ps9"><FONT class="fs74">ÓÕÂÀËÀ</FONT></P>
<P class="ps12"><FONT class="fs87"> "05" áåðåçíÿ 2015 ð.                                                  Ñïðàâà ¹ 927/197/15 </FONT></P>
<P class="ps6"><FONT class="fs86"> ïîçèâà÷:          </FONT>ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê "Ïðèâàòáàíê" </P>
<P class="ps6"><FONT class="fs85"> â³äïîâ³äà÷:          </FONT>ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Ãîðîäíÿíñüêèé ìåõàí³÷íèé çàâîä", &nbsp;</P>
<P class="ps8"><FONT class="fs127">Ñóääÿ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ë.Ì.Ëàâðèíåíêî</FONT></P>
<P class="ps10"> </P>
<P class="ps10"><FONT class="fs131">ÏÐÅÄÑÒÀÂÍÈÊÈ ÑÒÎÐ²Í:</FONT></P>
<P class="ps6"><FONT class="fs83">â³ä ïîçèâà÷à: </FONT>íå ç'ÿâèâñÿ</P>
<P class="ps6"><FONT class="fs82">â³ä â³äïîâ³äà÷à: </FONT>íå ç'ÿâèâñÿ</P>
<P class="ps9"><FONT class="fs130">ÑÓÒÜ ÑÏÎÐÓ:</FONT></P>
<P class="ps3">Ñòîðîíè áóëè íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ùî ï³äòâåðäæóºòüñÿ ïîâ³äîìëåííÿìè ïðî âðó÷åííÿ ïîøòîâèõ â³äïðàâëåíü: ¹28344521 â³ä 26.02.2015 ðîêó  ïîçèâà÷ó òà ¹01450303 â³ä 26.02.2015 ðîêó  â³äïîâ³äà÷ó, àëå ïîâíîâàæíèõ ïðåäñòàâíèê³â â ñóäîâå çàñ³äàííÿ 05.03.2015 ðîêó íå íàïðàâèëè.</P>
<P class="ps7">Ñóäîâå çàñ³äàííÿ 05.03.2015 ðîêó ïðîâîäèòüñÿ áåç ô³êñàö³¿ òåõí³÷íèìè çàñîáàìè.</P>
<P class="ps7">Â³ä ïîçèâà÷à, ÷åðåç êàíöåëÿð³þ ñóäó, íàä³éøëà ïèñüìîâà çàÿâà ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ ïîâíîâàæíîãî ïðåäñòàâíèêà. Â ïîäàí³é çàÿâ³ ïîçèâà÷ ï³äòðèìóº ïîçîâí³ âèìîãè, ïðîñèòü ¿õ çàäîâîëüíèòè òà çàëó÷èòè äî ìàòåð³àë³â ñïðàâè ïèñüìîâ³ ïîÿñíåííÿ ç äîäàòêàìè.</P>
<P class="ps7">Ïîäàíà ïîçèâà÷åì çàÿâà ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ ïîâíîâàæíîãî ïðåäñòàâíèêà çàäîâîëåíà ñóäîì, îñê³ëüêè ó÷àñòü â ñóäîâîìó çàñ³äàíí³ º ïðîöåñóàëüíèì ïðàâîì ñòîðîíè, â³äïîâ³äíî äî ñò.22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps7">Ïîäàí³ ïîçèâà÷åì ïèñüìîâ³ ïîÿñíåííÿ ç äîäàòêîâèìè äîêóìåíòàìè çàëó÷åíî ñóäîì äî ìàòåð³àë³â ñïðàâè.</P>
<P class="ps7">Â ïèñüìîâèõ ïîÿñíåííÿõ íîðìàòèâíîãî îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã, ïîçèâà÷ çàçíà÷àº, ùî Óìîâè òà ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã º ïóáë³÷íîþ îôåðòîþ, ùî ì³ñòÿòü óìîâè òà ïðàâèëà íàäàííÿ ïîñëóã áàíêîì éîãî êë³ºíòàì. Ï³äïèñàâøè çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó â áàíêó, â³äïîâ³äà÷ ïîãîäæóºòüñÿ ç Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, â òîìó ÷èñë³ ñòîñîâíî îáñëóãîâóâàííÿ ïî ðîçðàõóíêîâèì êàðòêàì. Â³äïîâ³äíî äî ï. 1.2.4. Óìîâ òà ïðàâèë, êë³ºíò ó ðàç³ íåçãîäè ç³ çì³íàìè ïðàâèë òà/àáî òàðèô³â áàíêó çîáîâÿçàíèé íàäàòè áàíêó ïèñüìîâó âèìîãó ïðî ðîç³ðâàííÿ äîãîâîðó òà ïîãàñèòè çàáîðãîâàí³ñòü ïåðåä áàíêîì, ïðîòå æîäíî¿ ïèñüìîâî¿ çàÿâè â³ä êë³ºíòà ïðî íåçãîäó ç Óìîâàìè òà ïðàâèëàìè íå íàäõîäèëî. Ðóõ êîøò³â ïî ðàõóíêó êë³ºíòà ï³äòâåðäæóºòüñÿ âèïèñêîþ ïî ïîòî÷íîìó ðàõóíêó. Äîêàçàìè íàäàííÿ êðåäèòíèõ êîøò³â º âèïèñêà ïî ðàõóíêó áàíêó. Ï³äïèñàâøè &nbsp;Óìîâè òà ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã â³äïîâ³äà÷ íàäàâ çãîäó íà âñòàíîâëåííÿ çì³íþâàíî¿ ïðîöåíòíî¿ ñòàâêè òà ïîäàëüøó ¿¿ çì³íó äî 36% òà 56%. Ñòÿãíåííÿ çàáîðãîâàíîñò³ êë³ºíòà ïî êîì³ñ³¿ çà êîðèñòóâàííÿ &nbsp;êðåäèòîì ïåðåäáà÷åíî ï. 3.18.4.4., à ïåí³  ï.3.18.5.1. Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã. Ñòðîê ïîçîâíî¿ äàâíîñò³ ïî âèìîç³ ùîäî ñòÿãíåííÿ êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, âèíàãîðîäè, ïåí³ âñòàíîâëþºòüñÿ ñòîðîíàìè òðèâàë³ñòþ 3 ðîêè. </P>
<P class="ps7">Â³ä â³äïîâ³äà÷à ôàêñîãðàìîþ ïîâòîðíî íàä³éøëî êëîïîòàííÿ ïðî ðîçñòðî÷êó âèïëàòè êîøò³â íà 12 ì³ñÿö³â òà ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ ïîâíîâàæíîãî ïðåäñòàâíèêà, à òàêîæ â³äïîâ³äà÷åì íàäàíî êîï³ÿ &nbsp;ëèñòà ¹ 213/9/25-06-25-10 â³ä 13.02.2015 ðîêó äåðæàâíî¿ ïîäàòêîâî¿ ³íñïåêö³¿ ó Ãîðîäíÿíñüêîìó ðàéîí³ Ãîëîâíîãî óïðàâë³ííÿ ÄÔÑ ó ×åðí³ã³âñüê³é îáëàñò³ &nbsp;ïðî íàÿâí³ñòü ó &nbsp;ÏÀÒ "Ãîðîäíÿíñüêèé ìåõàí³÷íèé çàâîä" ïîäàòêîâî¿ çàáîðãîâàíîñò³ &nbsp;òà âèïèñêà ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â ñåð³ÿ ÀÀÁ ¹ 645563 â³ä15.05.2012 ðîêó, ÿê³ çàëó÷åíî ñóäîì äî ìàòåð³àë³â ñïðàâè.</P>
<P class="ps7">Ïîäàíå â³äïîâ³äà÷åì êëîïîòàííÿ â ÷àñòèí³ ðîçãëÿäó ñïðàâè áåç ó÷àñò³ ïîâíîâàæíîãî ïðåäñòàâíèêà çàäîâîëåíî ñóäîì, îñê³ëüêè ó÷àñòü â ñóäîâîìó çàñ³äàíí³ º ïðîöåñóàëüíèì ïðàâîì ñòîðîíè, â³äïîâ³äíî äî ñò. 22 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps4">Ïîâòîðíî ïîäàíå &nbsp;â³äïîâ³äà÷åì êëîïîòàííÿ â ÷àñòèí³ ðîçñòðî÷êè âèïëàòè êîøò³â íà 12 ì³ñÿö³â, ïðèéíÿòî ñóäîì äî ðîçãëÿäó.</P>
<P class="ps7">²íøèõ çàÿâ òà êëîïîòàíü â³ä ñòîð³í íà ÷àñ ñëóõàííÿ ñïðàâè äî ñóäó íå íàäõîäèëî.</P>
<P class="ps0">Ðîçãëÿíóâøè ïîäàí³ äîêóìåíòè òà ìàòåð³àëè, ñóä âñòàíîâèâ:</P>
<P class="ps1">Â³äïîâ³äíî äî ÷. 1 ñò. 77 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä â³äêëàäàº â ìåæàõ ñòðîê³â, âñòàíîâëåíèõ ñò. 69 öüîãî Êîäåêñó, ðîçãëÿä ñïðàâè, êîëè çà ÿêèõîñü îáñòàâèí ñï³ð íå ìîæå áóòè âèð³øåíî â äàíîìó ñóäîâîìó çàñ³äàíí³. &nbsp;Òàêèìè îáñòàâèíàìè, çîêðåìà, º: íåçÿâëåííÿ â çàñ³äàííÿ ïðåäñòàâíèê³â ñòîð³í; íåïîäàííÿ ñòîðîíàìè âèòðåáóâàíèõ äîêóìåíò³â. </P>
<P class="ps7">Çà òàêèõ îáñòàâèí ðîçãëÿä ñïðàâè ï³äëÿãàº â³äêëàäåííþ.</P>
<P class="ps7">Êåðóþ÷èñü ñò.ñò. 22, 77, 86 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</P>
<P class="ps9"><FONT class="fs129">ÓÕÂÀËÈÂ:</FONT></P>
<P class="ps2">1.          Ðîçãëÿä ñïðàâè â³äêëàñòè, ïðèçíà÷èâøè ñóäîâå çàñ³äàííÿ<FONT class="fs81"> íà 17.03.2015 ðîêó î 09:00 </FONT>â ïðèì³ùåíí³ ãîñïîäàðñüêîãî ñóäó ×åðí³ã³âñüêî¿ îáëàñò³ ó &nbsp;ì. ×åðí³ãîâ³, ïðîñïåêò Ìèðó, 20, &nbsp;êàá. ¹ 16. &nbsp;</P>
<P class="ps5"><FONT class="fs79">3.          Çàïðîïîíóâàòè â³äïîâ³äà÷ó: </FONT>íàäàòè &nbsp;êîï³þ ñòàòóòó .</P>
<P class="ps6"><FONT class="fs78">4.          Ïîïåðåäèòè ñòîðîíè, ùî íåçÿâëåííÿ â ñóäîâå çàñ³äàííÿ ïîâíîâàæíèõ ïðåäñòàâíèê³â íå º ïåðåøêîäîþ äëÿ ðîçãëÿäó ñïîðó ïî ñóò³.</FONT> &nbsp;</P>
<P class="ps12"><FONT class="fs76"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñóääÿ                                         &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ëàâðèíåíêî Ë.Ì.</FONT></P>