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<TR><TD width="100 %" class="tds2"><P class="ps23"><FONT class="fs205"> &nbsp;</FONT><FONT class="fs203"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps16"><FONT class="fs124">Ð²ØÅÍÍß</FONT></P>
<P class="ps16">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</P>
<TABLE cellspacing=0 px class="tslast">
</TD><TD width="50 %" class="tds7"><P class="ps22"><FONT class="fs137"> 11.08.15 ð.</FONT></P></TD></TR>
<P class="ps9"><FONT class="fs136">Çà ïîçîâîì</FONT><FONT class="fs195">          Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "ÊÐÅÄÎÁÀÍÊ" </FONT></P>
<P class="ps9"><FONT class="fs135">äî</FONT><FONT class="fs194">          Ïðèâàòíîãî ï³äïðèºìñòâà "ÂÊÔ "Á²ÇÍÅÑ ÒÐ²ÓÌÔ"&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs134">ïðî</FONT><FONT class="fs193">          ñòÿãíåííÿ &nbsp;28 452,05 ãðí. &nbsp;&nbsp;</FONT></P>
<P class="ps15"><FONT class="fs133">Ñóääÿ &nbsp;Çåëåí³íà Í.². &nbsp;</FONT></P>
<P class="ps1"><FONT class="fs192">Ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ðºïê³í³é Þ.ª., </FONT></P>
<P><FONT class="fs132">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps2"><FONT class="fs191">â³ä ïîçèâà÷à:          íå ç'ÿâèâñÿ;</FONT></P>
<P><FONT class="fs190">â³ä â³äïîâ³äà÷à:          íå ç'ÿâèâñÿ.</FONT></P>
<P class="ps7"><FONT class="fs129">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps14"><FONT class="fs189">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "ÊÐÅÄÎÁÀÍÊ" çâåðíóëîñü äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâíîþ çàÿâîþ äî Ïðèâàòíîãî ï³äïðèºìñòâà "ÂÊÔ "Á²ÇÍÅÑ ÒÐ²ÓÌÔ" ïðî ñòÿãíåííÿ &nbsp;28 452,05 &nbsp;ãðí.</FONT></P>
<P class="ps14"><FONT class="fs188">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 12.06.2015 ð. ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³, ðîçãëÿä ñïðàâè ïðèçíà÷åíî íà 30.06.2015 ð. &nbsp;</FONT></P>
<P class="ps14"><FONT class="fs187">Ó ñóäîâîìó çàñ³äàíí³ 30.06.2015 ð. ïðåäñòàâíèê ïîçèâà÷à ïîäàëà êëîïîòàííÿ ïðî ïðîäîâæåííÿ ñòðîêó âèð³øåííÿ ñïîðó ó ñïðàâ³ íà 15 äí³â òà äîäàòêîâ³ äîêóìåíòè ïî ñïðàâ³.</FONT></P>
<P class="ps14"><FONT class="fs186">Óõâàëîþ â³ä 30.06.2015 ð. ïðîäîâæåíî ñòðîê âèð³øåííÿ ñïîðó ó ñïðàâ³ íà 15 äí³â òà â³äêëàäåíî ðîçãëÿä ñïðàâè íà 28.07.2015 ð.</FONT></P>
<P class="ps14"><FONT class="fs185">Ó ñóäîâîìó çàñ³äàíí³ 28.07.2015 ð. ïðåäñòàâíèê ïîçèâà÷à ïîäàâ äîäàòêîâ³ äîêóìåíòè ïî ñïðàâ³.</FONT></P>
<P class="ps14"><FONT class="fs184">Óõâàëîþ â³ä 28.07.2015 ð. ðîçãëÿä ñïðàâè â³äêëàäåíî íà 11.08.2015 ð.</FONT></P>
<P class="ps14"><FONT class="fs183">05.08.2015 ð. â³ä ïîçèâà÷à íàä³éøëà çàÿâà ïðî ðîçãëÿä ñïðàâè çà â³äñóòíîñò³ ïðåäñòàâíèêà.</FONT></P>
<P class="ps14"><FONT class="fs182">Ó ñóäîâå çàñ³äàííÿ 11.08.2015 ð. ïðåäñòàâíèê ïîçèâà÷à íå ç'ÿâèâñÿ.</FONT></P>
<P class="ps14"><FONT class="fs181">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 11.08.2015 ð. ïîâòîðíî íå ç'ÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, â³äçèâó íà ïîçîâíó çàÿâó òà âèòðåáóâàíèõ ñóäîì ìàòåð³àë³â íå íàäàâ. Æîäíèõ çàÿâ, êëîïîòàíü ÷åðåç â³ää³ë ä³ëîâîäñòâà ñóäó â³ä â³äïîâ³äà÷à íå íàäõîäèëî.</FONT></P>
<P class="ps14"><FONT class="fs180">Äî ïîâíîâàæåíü ãîñïîäàðñüêèõ ñóä³â íå â³äíåñåíî óñòàíîâëåííÿ ôàêòè÷íîãî ì³ñöåçíàõîäæåííÿ þðèäè÷íèõ îñ³á àáî ì³ñöÿ ïðîæèâàííÿ ô³çè÷íèõ îñ³á - ó÷àñíèê³â ñóäîâîãî ïðîöåñó íà ÷àñ â÷èíåííÿ òèõ ÷è ³íøèõ ïðîöåñóàëüíèõ ä³é. Òîìó â³äïîâ³äí³ ïðîöåñóàëüí³ äîêóìåíòè íàäñèëàþòüñÿ ãîñïîäàðñüêèì ñóäîì çã³äíî ç ïîøòîâèìè ðåêâ³çèòàìè ó÷àñíèê³â ñóäîâîãî ïðîöåñó, íàÿâíèìè â ìàòåð³àëàõ ñïðàâè. Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ¿¿ ðîçãëÿäó ñóäîì, ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íàä³ñëàíî çà ïîøòîâîþ àäðåñîþ, çàçíà÷åíîþ ó ïîçîâí³é çàÿâ³. Ïðèì³ðíèêè ïîâ³äîìëåíü ïðî âðó÷åííÿ ðåêîìåíäîâàíî¿ êîðåñïîíäåíö³¿, ïîâåðíóò³ îðãàíàìè çâ'ÿçêó ç ïîçíà÷êàìè «àäðåñàò âèáóâ», «àäðåñàò â³äñóòí³é» ³ ò. ï., ç óðàõóâàííÿì êîíêðåòíèõ îáñòàâèí ñïðàâè ìîæóòü ââàæàòèñÿ íàëåæíèìè äîêàçàìè âèêîíàííÿ ãîñïîäàðñüêèì ñóäîì îáîâ'ÿçêó ùîäî ïîâ³äîìëåííÿ ó÷àñíèê³â ñóäîâîãî ïðîöåñó ïðî â÷èíåííÿ öèì ñóäîì ïåâíèõ ïðîöåñóàëüíèõ ä³é (ï. 4 ³íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 02.06.2006 ¹ 01-8/1228 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2005 ðîö³», ï. 11 ³íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 15.03.2007 ¹ 01-8/123 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2006 ðîö³», ï. 3.6. ðîç'ÿñíåííÿ Âèùîãî àðá³òðàæíîãî ñóäó Óêðà¿íè â³ä 18.09.1997 ¹ 02-5/289 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè»).</FONT></P>
<P class="ps14"><FONT class="fs179">Âðàõîâóþ÷è âèêëàäåíå, ñóä ä³éøîâ âèñíîâêó ïðî ìîæëèâ³ñòü ðîçãëÿäó ñïðàâè çà íàÿâíèìè â í³é ìàòåð³àëàìè ó â³äïîâ³äíîñò³ äî âèìîã ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps6"><FONT class="fs178">Ó ñóäîâîìó çàñ³äàíí³ 11.08.2015 ð. îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps14"><FONT class="fs177">Äîñë³äèâøè íàÿâí³ â ñïðàâ³ ìàòåð³àëè, âñåá³÷íî ³ ïîâíî çÿñóâàâøè âñ³ ôàêòè÷í³ äàí³, íà ÿêèõ ´ðóíòóþòüñÿ ïîçîâí³ âèìîãè, îáºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ñóä âñòàíîâèâ íàñòóïíå.</FONT></P>
<P class="ps14"><FONT class="fs174">19.11.2013 ð. ì³æ ñòîðîíàìè óêëàäåíî Äîäàòêîâèé äîãîâ³ð ¹ 1 ïðî âñòàíîâëåííÿ ë³ì³òó êðåäèòóâàííÿ äî Äîãîâîðó áàíê³âñüêîãî ðàõóíêó.</FONT></P>
<P class="ps14"><FONT class="fs173">Ïóíêòîì 1. Äîäàòêîâîãî äîãîâîðó ïåðåäáà÷åíî, ùî Áàíê çîáîâ'ÿçóºòüñÿ, â ðàç³ ïåðåâèùåííÿ ñóìè âèäàòêîâèõ îïåðàö³é Êë³ºíòà çà áàíê³âñüêîþ ïëàò³æíîþ êàðòêîþ (ÁÏÊ) íàä çàëèøêîì êîøò³â ïî êàðòêîâîìó ðàõóíêó (êàðòðàõóíîê), íà äàò ö Êë³ºíòó êîðîòêîñòðîêîâèé êðåäèò (Îâåðäðàôò) â ìåæàõ âñòàíîâëåíîãî öèì Äîãîâîðîì Ë³ì³òó êðåäèòóâàííÿ, òîáòî íàäàòè ó éîãî âëàñí³ñòü ãðîøîâ³ êîøòè ó íàö³îíàëüí³é âàëþò³ äëÿ çä³éñíåííÿ îïåðàö³é âèçíà÷åíèõ Äîãîâîðîì áàíê³âñüêîãî ðàõóíêó (êàðòêîâèé ðàõóíîê) (þðèäè÷íèõ îñ³á, ô³çè÷íèõ îñ³á - ï³äïðèºìö³â), à Êë³ºíò çîáîâÿçóºòüñÿ ïîâåðíóòè éîãî ³ ñïëàòèòè ïðîöåíòè òà êîì³ñ³¿ çà êîðèñòóâàííÿ íèì.</FONT></P>
<P class="ps14"><FONT class="fs172">Ïóíêòàìè 2.1.  2.1.3. Äîäàòêîâîãî äîãîâîðó, Ë³ì³ò êðåäèòóâàííÿ - ìàêñèìàëüíî ïðèïóñòèìà ñóìà çàáîðãîâàíîñò³ Êë³ºíòà ïî Îâåðäðàôòó çà ÁÏÊ: 20&nbsp; 000,00 ãðí.; ïðîöåíòíà ñòàâêà (ð³÷íà): 0,01% ð³÷íèõ; êîì³ñ³ÿ â³ä äåáåòîâîãî îáîðîòó êðåäèòíèõ ðåñóðñ³â ïî êàðòðàõóíêó: 2,5 %.</FONT></P>
<P class="ps14"><FONT class="fs171">Çã³äíî ç ï. ï. 2.2., 2.3. Äîäàòêîâîãî äîãîâîðó, äàòà îñòàòî÷íîãî ïîâåðíåííÿ Îâåðäðàôòó - "18" ëèñòîïàäà 2014 ð. Îâåðäðàôò íàäàºòüñÿ øëÿõîì äåáåòóâàííÿ êàðòðàõóíêó Êë³ºíòà ïîíàä çàëèøîê êîøò³â Êë³ºíòà íà öüîìó ðàõóíêó çà ðàõóíîê êðåäèòíèõ ðåñóðñ³â áàíêó, â ìåæàõ Ë³ì³òó êðåäèòóâàííÿ âèçíà÷åíîãî öèì Äîãîâîðîì.</FONT></P>
<P class="ps14"><FONT class="fs170">Çîáîâÿçàííÿì, çã³äíî ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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.</FONT></P>
<P class="ps14"><FONT class="fs169">Â³äïîâ³äíî äî ñòàòò³ 1054 ÖÊ 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="ps14"><FONT class="fs168">Çã³äíî ç³ ñòàòòåþ 1049 ÖÊ Óêðà¿íè ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³) ó ñòðîê òà â ïîðÿäêó, âñòàíîâëåí³ äîãîâîðîì.</FONT></P>
<P class="ps14"><FONT class="fs167">Â³äïîâ³äíî äî ñò. ñò. 626-629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâÿçê³â; 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; çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà; äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps14"><FONT class="fs166">Ñòàòòåþ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî îáîâÿçêîâ³ñòü äîãîâîðó äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps14"><FONT class="fs165">Â ñèëó ïîëîæåíü ñò. ñò. 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 193 Ãîñïîäàðñüêîãî 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.</FONT></P>
<P class="ps14"><FONT class="fs164">Ñòàòòåþ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè &nbsp;ïåðåäáà÷åíî, ùî ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P class="ps14"><FONT class="fs163">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).</FONT></P>
<P class="ps14"><FONT class="fs162">Çã³äíî ç ÷. 1 ñò. 612 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps14"><FONT class="fs161">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, ïîçèâà÷ çîáîâÿçàííÿ çà Äîãîâîðîì âèêîíàâ íàëåæíèì ÷èíîì, íàäàâøè â³äïîâ³äà÷ó êðåäèòí³ êîøòè ó â³äïîâ³äíîñò³ äî óìîâ Äîãîâîðó, ïðîòå â³äïîâ³äà÷ ñâî¿õ çîáîâÿçàíü ùîäî ïîâåðíåííÿ íàäàíîãî êðåäèòó íàëåæíèì ÷èíîì òà ó âñòàíîâëåíèé Äîãîâîðîì ñòðîê íå âèêîíàâ, ó çâÿçêó ç ÷èì ñòàíîì íà ÷àñ ðîçãëÿäó ñïðàâè äîïóñòèâ çàáîðãîâàí³ñòü ïåðåä ïîçèâà÷åì ó çàãàëüíîìó ðîçì³ð³ 24&nbsp; 007,11 ãðí.</FONT></P>
<P class="ps14"><FONT class="fs160">Ïóíêòàìè 3.1.  3.6. Äîäàòêîâîãî äîãîâîðó âèçíà÷åíî, ùî êîì³ñ³ÿ â³ä äåáåòîâîãî îáîðîòó, óòðèìóºòüñÿ â ìîìåíò ñïèñàííÿ êðåäèòíèõ êîøò³â ç Ðàõóíêó. ²íø³ êîì³ñ³¿, ïðè âíåñåíí³ çì³í òà äîïîâíåíü â öåé Äîãîâ³ð - â³äïîâ³äíî äî ä³þ÷èõ òàðèô³â Áàíêó. Ïðîöåíòè çà êîðèñòóâàííÿ Îâåðäðàôòîì          íàðàõîâóþòüñÿ ùîäåííî íà ñóìó çàáîðãîâàíîñò³ Îâåðäðàôòó çà ìåòîäîì ôàêò/360 (ôàêòè÷íà ê³ëüê³ñòü äí³â ó ì³ñÿö³, àëå óìîâíî, 360 äí³â ó ðîö³) çà ñòàâêîþ, âêàçàíîþ ó ï.2.1.2. öüîãî Äîãîâîðó ç óðàõóâàííÿì ñòðîêó êîðèñòóâàííÿ Îâåðäðàôòîì, ç ìîìåíòó íàäàííÿ Îâåðäðàôòó: äî òåðì³íó, âêàçàíîìó â ï.2.2. öüîãî Äîãîâîðó, äî äàòè çâåðíåííÿ Áàíêó ³ç çàÿâîþ äî: ñóäó ³ç âèìîãîþ ïðî äîñòðîêîâå ïîâåðíåííÿ ñóìè Îâåðäðàôòó òà ñïëàòè ïðîöåíò³â, êîì³ñ³é òà ³íøèõ íàëåæíèõ äî ñïëàòè çà öèì äîãîâîðîì ïëàòåæ³â. Ó âèïàäêó, ÿêùî ð³øåííÿ ñóäó ïðèéíÿòî íå íà êîðèñòü Áàíêó/ïîçîâíó çàÿâó Áàíêó çàëèøåíî áåç ðîçãëÿäó, íàðàõóâàííÿ ïðîöåíò³â/êîì³ñ³é â³äíîâëþºòüñÿ ç äàòè ïðèïèíåííÿ íàðàõóâàííÿ. Ó âèïàäêó íàäàííÿ ³ ïîãàøåííÿ Îâåðäðàôòó ïðîòÿãîì îäíîãî îïåðàö³éíîãî äíÿ, ïðîöåíòè íå íàðàõîâóþòüñÿ. Êë³ºíò ñïëà÷óº ïðîöåíòè/êîì³ñ³¿ ïðè ïîñòóïëåíí³ êîøò³â íà éîãî êàðòðàõóíîê, àëå íå ï³çí³øå îñòàííüîãî ðîáî÷îãî äíÿ ì³ñÿöÿ, çà ÿêèé íàðàõîâàí³ ö³ ïðîöåíòè/êîì³ñ³¿. Ó âèïàäêó ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà Îâåðäðàôòîì Êë³ºíò çîáîâÿçàíèé îäíî÷àñíî ñïëàòèòè ïðîöåíòè, íàðàõîâàí³ çà â³äïîâ³äíó ê³ëüê³ñòü äí³â îñòàííüîãî ì³ñÿöÿ êîðèñòóâàííÿ Îâåðäðàôòîì. Ó âèïàäêó íåïîâåðíåííÿ Êë³ºíòîì Îâåðäðàôòó â òåðì³í, âèçíà÷åíèé ï. ï. 2.2. òà 4.1. öüîãî Äîãîâîðó, Áàíê ìàº ïðàâî çàñòîñóâàòè äî Êë³ºíòà ñàíêö³¿, ïåðåäáà÷åí³ ï. ï. 6.1., 6.2., 6.4. öüîãî Äîãîâîðó.</FONT></P>
<P class="ps14"><FONT class="fs159">Óìîâàìè ï. ï. 6.1., 6.2., 6.6. Äîäàòêîâîãî äîãîâîðó ñòîðîíè äîìîâèëèñü, ùî çà íåñïëàòó êðåäèòíî¿ çàáîðãîâàíîñò³, çã³äíî âèìîã ï. ï. 2.2 òà 4.1. öüîãî Äîãîâîðó, Êë³ºíò ñïëà÷óº øòðàô ó ðîçì³ð³ 3% â³ä ñóìè íåïîãàøåíî¿ êðåäèòíî¿ çàáîðãîâàíîñò³ ñòàíîì íà îñòàíí³é ðîáî÷èé äåíü çâ³òíîãî ì³ñÿöÿ â ÿêîìó áóëî âèÿâëåíî íåïîãàøåí³ì êðåäèòíî¿ çàáîðãîâàíîñò³. Øòðàô ðîçðàõîâóºòüñÿ ³ ñïèñóºòüñÿ çà ðàõóíîê êðåäèòíèõ êîøò³â â ïåðøèé ðîáî÷èé äåíü ì³ñÿöÿ, íàñòóïíîãî çà çâ³òíèì. Ïðè íåïîâåðíåíí³ àáî íåñâîº÷àñíîìó ïîâåðíåíí³ ñóìè Îâåðäðàôòó (éîãî ÷àñòèíè) Êë³ºíò, íà âèìîãó Áàíêó, ïîâåðòàº öþ ñóìó, îòðèìàíîãî Îâåðäðàôòó çá³ëüøåíó íà ðîçì³ð ³íäåêñó ³íôëÿö³¿ çà âåñü ÷àñ ïðîñòðî÷åííÿ. Ñòîðîíè äîìîâèëèñü, ùî ñòðîê ïîçîâíî¿ äàâíîñò³ äëÿ ñòÿãíåííÿ íåóñòîéêè (øòðàôó, ïåí³ çà Äîãîâîðîì, ïðèð³âíþºòüñÿ äî ñòðîêó ïîçîâíî¿ äàâíîñò³, âñòàíîâëåíî¿ çàêîíîì äëÿ îñíîâíî¿ âèìîãè çà Äîãîâîðîì</FONT></P>
<P class="ps14"><FONT class="fs158">Çà ïðèïèñàìè ñò. 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. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. Øòðàôîì º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâÿçàííÿ. </FONT></P>
<P class="ps14"><FONT class="fs157">Ñòàòòåþ 1 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü ïåðåäáà÷åíî, ùî ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷ó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í. </FONT></P>
<P class="ps14"><FONT class="fs156">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 (ñò. 3 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü). </FONT></P>
<P class="ps14"><FONT class="fs155">Â³äïîâ³äíî äî ñòàòò³ 625 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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.</FONT></P>
<P class="ps14"><FONT class="fs154">Çà ðîçðàõóíêîì ïîçèâà÷à, ïåðåâ³ðåíèì ñóäîì òà íå ñïðîñòîâàíèì ó âñòàíîâëåíîìó ïîðÿäêó â³äïîâ³äà÷åì, îñòàíí³é ìàº, êð³ì ñóìè êðåäèòó, òàêîæ ñïëàòèòè 1,28 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì, 3&nbsp; 614,96 &nbsp;ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ òà 828,70 ãðí. øòðàôó.</FONT></P>
<P class="ps14"><FONT class="fs153">Â³äïîâ³äíî äî ñò. 32 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ ñòîð³í, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó.</FONT></P>
<P class="ps14"><FONT class="fs152">Çã³äíî ç³ ñò. 34 Êîäåêñó, ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè. Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ.</FONT></P>
<P class="ps14"><FONT class="fs151">ßê âñòàíîâëåíî ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü.</FONT></P>
<P class="ps14"><FONT class="fs150">Â ïîðÿäêó, ïåðåäáà÷åíîìó ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó ïðîöåñ³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, êåðóþ÷èñü çàêîíîì. </FONT></P>
<P class="ps14"><FONT class="fs149">Â³äïîâ³äà÷ â³äçèâó íà ïîçîâíó çàÿâó òà áóäü-ÿêèõ çàïåðå÷åíü ïî ñóò³ ñïîðó íå íàäàâ, òâåðäæåíü ïîçèâà÷à ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó íå ñïðîñòóâàâ.</FONT></P>
<P class="ps14"><FONT class="fs148">Ïðè öüîìó, ñóä çâåðòàº óâàãó íà òå, ùî â³äïîâ³äíî äî ï. 2.3. Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011 ð. "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿", ÿêùî ñòîðîíîþ (àáî ³íøèì ó÷àñíèêîì ñóäîâîãî ïðîöåñó) ó âèð³øåíí³ ñïîðó íå ïîäàíî ñóäó â îá´ðóíòóâàííÿ ¿¿ âèìîã àáî çàïåðå÷åíü íàëåæí³ ³ äîïóñòèì³ äîêàçè, â òîìó ÷èñë³ íà âèìîãó ñóäó, àáî ÿêùî â ðàç³ íåìîæëèâîñò³ ñàìîñò³éíî íàäàòè äîêàçè íåþ íå ïîäàâàëîñÿ êëîïîòàííÿ ïðî âèòðåáóâàííÿ ¿õ ñóäîì (÷àñòèíà ïåðøà ñòàòò³ 38 ÃÏÊ), òî ðîçãëÿä ñïðàâè ãîñïîäàðñüêèì ñóäîì ìîæå çä³éñíþâàòèñÿ âèêëþ÷íî çà íàÿâíèìè ó ñïðàâ³ äîêàçàìè, ³ â òàêîìó ðàç³ ó ñóäó âèùî¿ ³íñòàíö³¿ â³äñóòí³ ï³äñòàâè äëÿ ñêàñóâàííÿ ñóäîâîãî ð³øåííÿ ç ìîòèâ³â íåïîâíîãî çÿñóâàííÿ ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì îáñòàâèí ñïðàâè.</FONT></P>
<P class="ps14"><FONT class="fs147">Âðàõîâóþ÷è âèùåâèêëàäåíå, ñóä ââàæàº ïîçîâí³ âèìîãè îá´ðóíòîâàíèìè, ï³äòâåðäæåíèìè íàÿâíèìè â ìàòåð³àëàõ ñïðàâè äîêàçàìè òà íå ñïðîñòîâàíèìè íàëåæíèì ÷èíîì òà ó âñòàíîâëåíîìó çàêîíîì ïîðÿäêó â³äïîâ³äà÷åì, à â³äòàê òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps14"><FONT class="fs146">Â³äïîâ³äíî äî ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäîâ³ âèòðàòè ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps14"><FONT class="fs145">Êåðóþ÷èñü ñòàòòåþ 124 Êîíñòèòóö³¿ Óêðà¿íè, ñòàòòÿìè 4</FONT><FONT class="fs197">3</FONT><FONT class="fs144">, 33, 43, 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä  </FONT></P>
<P class="ps16"><FONT class="fs128">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps14"><FONT class="fs143">1. Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps14"><FONT class="fs141">3. Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ñóäîâèì ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps13"><FONT class="fs199">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="ps12"><FONT class="fs140">Ïîâíèé òåêñò ð³øåííÿ ñêëàäåíî 14.08.2015 ð.</FONT></P>
<P><FONT class="fs131">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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Í.². Çåëåí³íà </FONT></P>