<TITLE>911/2953/15</TITLE>
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<P class="ps15"><FONT class="fs149"> </FONT><FONT class="fs147"><IMG src="herb.gif" height=58 width=44></FONT></P>
<P class="ps12"><FONT class="fs87">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps12"><FONT class="fs92">Êè¿âñüêî¿ îáëàñò³</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps9"><FONT class="fs98"> &nbsp;</FONT></P>
<P class="ps10"><FONT class="fs90">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps10"><FONT class="fs89">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps10">"26" ñåðïíÿ 2015 ð.<FONT class="fs111">                                                             &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 911/2953/15 &nbsp;</FONT></P>
<P><FONT class="fs143">          </FONT></P>
<P class="ps2"><FONT class="fs110">çà ïîçîâîì </FONT><FONT class="fs141">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê Ïðèâàòáàíê, ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps2"><FONT class="fs109">äî </FONT><FONT class="fs140">Ïðèâàòíîãî ï³äïðèºìñòâà Ðåñáóäñåðâ³ñ, Êè¿âñüêà îáë., ì. ²ðï³íü </FONT></P>
<P><FONT class="fs108">ïðî </FONT><FONT class="fs139">ñòÿãíåííÿ 26 924 ãðí. 40 êîï. </FONT></P>
<P><FONT class="fs107">Ñóääÿ</FONT><FONT class="fs138"> </FONT><FONT class="fs106"> Ìàëüîâàíà Ë.ß.</FONT></P>
<P class="ps1"><FONT class="fs105">Ïðåäñòàâíèêè: </FONT></P>
<P class="ps1"><FONT class="fs104">ïîçèâà÷  Ìàçóðåíêî Ò.Â. </FONT><FONT class="fs137">(äîâ. ¹ 2525-Ê-Î â³ä 22.07.2015 ðîêó);</FONT></P>
<P><FONT class="fs103">â³äïîâ³äà÷³â &nbsp;</FONT><FONT class="fs136"> </FONT><FONT class="fs102">íå çÿâèâñÿ. </FONT></P>
<P class="ps0"><FONT class="fs96">Îáñòàâèíè ñïðàâè:</FONT></P>
<P class="ps4"><FONT class="fs135">Ïîçèâà÷ çâåðíóâñÿ äî ñóäó ç ïîçîâîì ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à &nbsp;26 924 ãðí. 40 êîï. çàáîðãîâàíîñò³, ç ÿêèõ: 10 000 ãðí. 00 êîï.  ñóìà îñíîâíîãî áîðãó â³äïîâ³äíî äî çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó (Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ) ¹á/í â³ä 03.10.2013 ð., 8&nbsp; &nbsp;068 ãðí. 94 êîï. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 7 055 &nbsp;ãðí. 46 êîï.  ïåí³, 1&nbsp; &nbsp;800 ãðí. 00 êîï. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps5"><FONT class="fs134">Â³äïîâ³äà÷ â çàñ³äàííÿ ñóäó íå çÿâèâñÿ, íå âèêîíàâ âèìîãè ñóäó âèêëàäåí³ â óõâàë³ â³ä 13.07.2015 ð., ïðî ÷àñ ³ ì³ñöå ñóäîâîãî çàñ³äàííÿ áóâ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì, ùî ï³äòâåðäæóºòüñÿ íàÿâíèì â ìàòåð³àëàõ ñïðàâè ïîâ³äîìëåííÿì ïðî âðó÷åííÿ ïîøòîâîãî â³äïðàâëåííÿ. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs133">Âðàõîâóþ÷è òå, ùî íåçÿâëåííÿ ïðåäñòàâíèêà â³äïîâ³äà÷à íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè ïî ñóò³, à ìàòåð³àëè ñïðàâè º äîñòàòí³ìè äëÿ âèð³øåííÿ ñïîðó â äàíîìó ñóäîâîìó çàñ³äàíí³, ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ïîçîâ ó â³äñóòíîñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à, çã³äíî ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs101">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóä &nbsp;âñòàíîâèâ: </FONT></P>
<P class="ps6"><FONT class="fs131">Â³äïîâ³äíî äî ï. 3.2.1.1.16. Óìîâ - 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 åëåêòðîííîþ 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.</FONT></P>
<P class="ps6"><FONT class="fs130">Â³äïîâ³äíî äî ï. 3.2.1.1.1. óìîâ - êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ ïîïîâíåííÿ îáîðîòíèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêà òà Êë³ºíòà.</FONT></P>
<P class="ps6"><FONT class="fs129">Ïóíêòîì 3.2.1.1.3 Óìîâ - êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps6"><FONT class="fs128">Â³äïîâ³äíî äî 3.2.1.1.8. Óìîâ - Ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè 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 - «Óãîäà»).</FONT></P>
<P class="ps6"><FONT class="fs127">Çã³äíî ç 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, ³íòåðíåò êë³ºíò áàíê, ñìñ - ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps6"><FONT class="fs126">Â³äïîâ³äíî äî ðîçä³ëó 3.2.1.4. Óìîâ, ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, 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).</FONT></P>
<P class="ps6"><FONT class="fs125">Çã³äíî ç ï. 3.2.1.2.3.4. Óìîâ Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps6"><FONT class="fs124">Íà âèêîíàííÿ óìîâ äîãîâîðó ïîçèâà÷åì áóëî íàäàíî â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò â ðîçì³ð³ 10&nbsp; &nbsp;000 ãðí. 00 êîï., ùî ï³äòâåðäæóºòüñÿ áàíê³âñüêîþ âèïèñêîþ ïî ðàõóíêó, ïðîòå â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ ùîäî ïîâåðíåííÿ êðåäèòíèõ êîøò³â íå âèêîíàâ, â çâÿçêó ç ÷èì ìàº çàáîðãîâàí³ñòü ïåðåä áàíêîì â ñóì³ 10&nbsp; &nbsp;000 ãðí. 00 êîï., 8 068 ãðí. 94 êîï. ïî â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì òà 1 800 ãðí. 00 êîï. êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì.</FONT></P>
<P class="ps6"><FONT class="fs123">Äîêàç³â ñïëàòè çàáîðãîâàíîñò³ ñóäó íå íàäàíî.</FONT></P>
<P class="ps6"><FONT class="fs122">Ñò.ñò. 525, 526 ÖÊ Óêðà¿íè &nbsp;âèçíà÷åíî, 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps6"><FONT class="fs121">Çà òàêèõ îáñòàâèí, ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à íà êîðèñòü ïîçèâà÷à áîðãó â ñóì³ 10&nbsp; &nbsp;000 ãðí. 00 êîï., 8 068 ãðí. 94 êîï. ïî â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòîì òà 1 800 ãðí. 00 êîï. êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì º îá´ðóíòîâàíèìè, ³ òîìó ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps6"><FONT class="fs120">Ñòàòòåþ 230 ÃÊ Óêðà¿íè âèçíà÷åíî, ùî ïîðóøåííÿ çîáîâÿçàííÿ º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é (íåóñòîéêà, øòðàô, ïåíÿ).</FONT></P>
<P class="ps6"><FONT class="fs119">Â³äïîâ³äíî äî ï. 3.2.1.5.1. Óìîâ ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â 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, òåðì³í³â 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 êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó 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 ó ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps6"><FONT class="fs118">Âðàõîâóþ÷è âèùåâèêëàäåí³ íîðìè çàêîíó òà óìîâè äîãîâîðó, ïîçèâà÷åì ó çâÿçêó ç ïðîñòðî÷åííÿì âèêîíàííÿ çîáîâÿçàííÿ ç ïîâåðíåííÿ êðåäèòíèõ êîøò³â òà â³äñîòê³â çà êîðèñòóâàííÿ íèìè íàðàõîâàíî 7 055 ãðí. 46 êîï. ïåí³ â³äïîâ³äíî äî íàäàíîãî ðîçðàõóíêó, ÿêèé â³äïîâ³äàº âèìîãàì çàêîíó.</FONT></P>
<P class="ps6"><FONT class="fs117">Îòæå, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ïîâí³ñòþ, âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps6"><FONT class="fs116">Êåðóþ÷èñü ñò. 230 ÃÊ Óêðà¿íè, ñò.ñò. 525, 526 ÖÊ Óêðà¿íè, ñò. ñò. 44, 49, 82-85 ÃÏÊ Óêðà¿íè, ñóä </FONT></P>
<P class="ps11"><FONT class="fs94">Â È Ð ² Ø È Â :</FONT></P>
<P class="ps7"><FONT class="fs115">Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps7"><FONT class="fs113">Íàêàç âèäàòè ï³ñëÿ âñòóïó ð³øåííÿ â &nbsp;çàêîííó ñèëó.</FONT></P>
<P class="ps8"><FONT class="fs100">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;          Ë.ß. Ìàëüîâàíà</FONT></P>
<P><FONT class="fs27"> </FONT></P>