<TITLE>908/4134/15</TITLE>
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<P class="ps13"><FONT class="fs219"> &nbsp;íîìåð ïðîâàäæåííÿ ñïðàâè &nbsp;35/92/15</FONT></P>
<P class="ps8"><FONT class="fs228"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs224"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps8"><FONT class="fs124">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÇÀÏÎÐ²ÇÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps8"><FONT class="fs116">Ð²ØÅÍÍß</FONT></P>
<P class="ps8"><FONT class="fs123">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps8"><FONT class="fs126"> &nbsp;</FONT></P>
<P><FONT class="fs122"> 08.09.2015 &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;</FONT>&nbsp;&nbsp;Ñïðàâà ¹ <FONT class="fs121">&nbsp;908/4134/15</FONT></P>
<P class="ps0"><FONT class="fs120"> &nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs210">Ñóääÿ ãîñïîäàðñüêîãî ñóäó Çàïîð³çüêî¿ îáëàñò³ Òîï÷³é Î.À. </FONT></P>
<P><FONT class="fs209">ïðè ñåêðåòàð³ Êîöàð À.Î. </FONT></P>
<P><FONT class="fs141">Çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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><FONT class="fs140">â³ä ïîçèâà÷à:</FONT><FONT class="fs208"> Ï³ñêóí &nbsp;Î.Ñ., äîâ. ¹ 405-Î â³ä 23.09.2014ð. </FONT></P>
<P><FONT class="fs139">â³ä â³äïîâ³äà÷à:</FONT><FONT class="fs207"> íå çÿâèâñÿ</FONT><FONT class="fs212">. </FONT></P>
<P><FONT class="fs206">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ñïðàâó &nbsp;</FONT></P>
<P><FONT class="fs138">Çà ïîçîâîì </FONT><FONT class="fs205">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê Ïðèâàòáàíê, ì.&nbsp; &nbsp;&nbsp;Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps10"><FONT class="fs137">äî</FONT><FONT class="fs204"> Ïðèâàòíîãî ï³äïðèºìñòâà Íîâ³òí³ òåõíîëîã³¿, ì. Ïîëîãè</FONT></P>
<P><FONT class="fs202"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          &nbsp;&nbsp;&nbsp;&nbsp;&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><FONT class="fs135">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P><FONT class="fs199">           14.07.2015ð. àâòîìàòèçîâàíîþ ñèñòåìîþ äîêóìåíòîîá³ãó ãîñïîäàðñüêîãî ñóäó çä³éñíåíî ðîçïîä³ë ñïðàâ ì³æ ñóääÿìè òà âèçíà÷åíî ïîçîâíó çàÿâó äî ðîçãëÿäó ñóää³ &nbsp;&nbsp;&nbsp;Òîï÷³é&nbsp; Î.À. </FONT></P>
<P><FONT class="fs198">          Óõâàëîþ â³ä 08.07.2015ð. ñóäîì ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹ 908/4134/15 òà ïðèñâîºíî âèùåâêàçàí³é ñïðàâ³ íîìåð ïðîâàäæåííÿ 35/92/15. Ó ñòîð³í âèòðåáóâàí³ äîêóìåíòè, ÿê³ íåîáõ³äí³ äëÿ âñåá³÷íîãî òà îáºêòèâíîãî ðîçãëÿäó ³ âèð³øåííÿ ñïðàâè ïî ñóò³, ñóäîâå çàñ³äàííÿ ïðèçíà÷åíî íà 18.08.2015ð. &nbsp;</FONT></P>
<P><FONT class="fs197">          Â çâÿçêó ç íåÿâêîþ â ñóäîâå çàñ³äàííÿ 18.08.2015ð. ïðåäñòàâíèêà â³äïîâ³äà÷à, çà êëîïîòàííÿì îñòàííüîãî, ðîçãëÿä ñïðàâè áóëî â³äêëàäåíî íà 08.09.2015ð. </FONT></P>
<P><FONT class="fs195"> </FONT><FONT class="fs215">          </FONT><FONT class="fs194">Â ñóäîâå &nbsp;&nbsp;çàñ³äàííÿ 08.09.2015ð. ïðåäñòàâíèê â³äïîâ³äà÷à ïîâòîðíî íå çÿâèâñÿ, ïðî âèòèñü ïðè÷èíè íåìîæëèâîñò³ çÿâèòèñü â ñóäîâå çàñ³äàííÿ ñóä íå ïîâ³äîìèâ, ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ áóâ ïîâ³äîìëåíèé â÷àñíî òà íàëåæíèì ÷èíîì. </FONT></P>
<P><FONT class="fs191">          Çã³äíî ç ï. 3.9.1 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¿ 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. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs190">          Â ï. 3.9.2. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26.12.2011 ð. çàçíà÷åíî, ùî ó &nbsp;âèïàäêó íåç'ÿâëåííÿ â çàñ³äàííÿ ãîñïîäàðñüêîãî ñóäó ïðåäñòàâíèê³â îáîõ ñòîð³í àáî îäí³º¿ ç íèõ ñïðàâà ìîæå áóòè ðîçãëÿíóòà áåç ¿õ ó÷àñò³, ÿêùî íåÿâêà òàêèõ ïðåäñòàâíèê³â íå ïåðåøêîäæàº âèð³øåííþ ñïîðó. </FONT></P>
<P><FONT class="fs189">          Âðàõîâóþ÷è, ùî â³äïîâ³äà÷ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ñóäîâîãî çàñ³äàííÿ, ìàòåð³àëè ñïðàâè ì³ñòÿòü äîñòàòíüî äîêàç³â äëÿ âèð³øåííÿ ñïðàâè ïî ñóò³, ñóä ââàæàº ìîæëèâèì ðîçãëÿäàòè ñïðàâó çà â³äñóòíîñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à, çà íàÿâíèìè â í³é ìàòåð³àëàìè, â³äïîâ³äíî äî ñò. 75 ÃÏÊ Óêðà¿íè òà çà çàÿâîþ ïðåäñòàâíèêà ïîçèâà÷à áåç çàñòîñóâàííÿ òåõí³÷íèõ çàñîá³â ô³êñàö³¿ ñóäîâîãî ïðîöåñó. </FONT></P>
<P><FONT class="fs188">          Â ñóäîâîìó çàñ³äàíí³ 08.09.2015 ð., íà ï³äñòàâ³ ñò. 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóäîì îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps4"><FONT class="fs187"> &nbsp;</FONT><FONT class="fs214">&nbsp;</FONT><FONT class="fs134">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, äîêóìåíòè, íàäàí³ ïîçèâà÷åì äîäàòêîâî, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóäîì âñòàíîâëåíî íàñòóïíå. </FONT></P>
<P class="ps4"><FONT class="fs186">ßê ñâ³ä÷àòü ìàòåð³àëè ñïðàâè, â³äïîâ³äà÷ çâåðíóâñÿ äî ïîçèâà÷à ç çàÿâîþ ïðî â³äêðèòòÿ ðàõóíêó òà çàÿâîþ ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèëàì íàäàííÿ áàíê³âñüêèõ ïîñëóã.</FONT></P>
<P class="ps4"><FONT class="fs185">21.05.2013ð. Òîâàðèñòâîì îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Íîâ³òí³ òåõíîëîã³¿, â îñîá³ äèðåêòîðà ï³äïðèºìñòâà, ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ðàõóíêó òà çàÿâó ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèëàìè íàäàííÿì áàíê³âñüêèõ ïîñëóã, çã³äíî ç ÿêîþ, â³äïîâ³äà÷ íàäàâ çãîäó íà Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã (äàë³  Óìîâè), Òàðèôàì áàíêó, ùî ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.pb.ua, ÿê³ ðàçîì ç ³ç àíêåòîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.          Ï³äïèñàâøè âêàçàíó çàÿâó, â³äïîâ³äà÷ ïðèºäíàâñÿ òà çîáîâÿçàâñÿ âèêîíóâàòè óìîâè, ùî ì³ñòÿòüñÿ â Óìîâàõ òà Ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàõ Ïðèâàòáàíêó  Äîãîâîð³ áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó. Â³äíîñèíè ì³æ áàíêîì òà êë³ºíòîì âèð³øóþòüñÿ ÿê øëÿõîì ï³äïèñàííÿ îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä, òàê é øëÿõîì îáì³íó ³íôîðìàö³ºþ / óçãîäæåííÿ ïî áàíê³âñüêîìó îáñëóãîâóâàííþ ç êë³ºíòîì çà äîïîìîãîþ âåá-ñàéòà áàíêà.</FONT></P>
<P class="ps6"><FONT class="fs182">Â³äïîâ³äíî äî ï. 3.2.1.1.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó òà Êë³ºíòà.</FONT></P>
<P class="ps6"><FONT class="fs181">Â³äïîâ³äíî äî ï. 3.2.1.1.3 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ç ïîâåðíåííÿ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè.</FONT></P>
<P class="ps6"><FONT class="fs180">Â³äïîâ³äíî äî ï. 3.2.1.1.16. Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåííÿ 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 / ²íòåðíåò 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. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps6"><FONT class="fs179">Â³äïîâ³äíî äî 3.2.1.1.8 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - 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="fs178">Â³äïîâ³äíî äî ï. 3.2.1.1.6. Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, &nbsp;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, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).          Ðîçä³ëîì 3.2.1.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çàòâåðäæåíî ïîðÿäîê ðîçðàõóíê³â.</FONT></P>
<P class="ps6"><FONT class="fs177">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 òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà) (ï. 3.2.1.4.1).</FONT></P>
<P class="ps6"><FONT class="fs176">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. (ï. 3.2.1.4.1.1) </FONT></P>
<P class="ps6"><FONT class="fs175">Ó âèïàäêó íå îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ (ï. 3.2.1.4.1.2)</FONT></P>
<P class="ps6"><FONT class="fs174">Ó ðàç³ íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó; â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè òà ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ &nbsp;â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü. (ï. 3.2.1.4.1.3)</FONT></P>
<P class="ps6"><FONT class="fs173">Ï³ä «íåïîãàøåííÿì êðåäèòó» ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. (ï. 3.2.1.4.1.4)</FONT></P>
<P class="ps6"><FONT class="fs172">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 (ï. 3.2.1.4.9)</FONT></P>
<P class="ps6"><FONT class="fs171">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè (ï. 3.2.1.4.10).</FONT></P>
<P><FONT class="fs170">          Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî «Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.          Â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ ïî äîãîâîðó ùîäî ñâîº÷àñíîãî ïîãàøåííÿ êðåäèòó, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè âèêîíóâàâ íåíàëåæíèì ÷èíîì, â çâÿçêó ç ÷èì ó îñòàííüîãî âèíèêëà çàáîðãîâàí³ñòü çà âêàçàíèì äîãîâîðîì. </FONT></P>
<P><FONT class="fs168">          Òàêîæ äàíîþ ïðåòåíç³ºþ ïîçèâà÷ ïîïåðåäèâ â³äïîâ³äà÷à, ùî â ðàç³ íåçàäîâîëåííÿ ö³º¿ ïðåòåíç³¿ Áàíê áóäå çìóøåíèé ïðèìóñîâî ñòÿãíóòè çàáîðãîâàí³ñòü çà êðåäèòíèì äîãîâîðîì â ïîðÿäêó, ïåðåäáà÷åíèì çàêîíîäàâñòâîì Óêðà¿íè. </FONT></P>
<P><FONT class="fs167">          Îäíàê, &nbsp;â³äïîâ³äà÷ íà âêàçàíó ïðåòåíç³þ íå â³äðåàãóâàâ òà ñóìó áîðãó íå ïîãàñèâ, ùî ñòàëî ï³äñòàâîþ äëÿ çâåðíåííÿ ïîçèâà÷à ç â³äïîâ³äíèì ïîçîâîì äî ñóäó. </FONT></P>
<P><FONT class="fs166">          Â³äïîâ³äíî äî âèìîã ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òà 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 àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ.</FONT></P>
<P><FONT class="fs165">          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.</FONT></P>
<P class="ps2"><FONT class="fs164">Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî &nbsp;êîäåêñó &nbsp;Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ Ãîñïîäàðñüêèì Êîäåêñîì Óêðà¿íè.</FONT></P>
<P class="ps2"><FONT class="fs163">Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, &nbsp;íåîáõ³äíèõ &nbsp;äëÿ íàëåæíîãî &nbsp;âèêîíàííÿ íåþ çîáîâÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. </FONT></P>
<P class="ps2"><FONT class="fs162">Â³äïîâ³äíî äî ñò. 530 ÖÊ Óêðà¿íè, ÿêùî &nbsp;ó &nbsp;çîáîâ'ÿçàíí³ &nbsp;âñòàíîâëåíèé &nbsp;ñòðîê &nbsp;(òåðì³í) &nbsp;éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P><FONT class="fs161">          Â³äïîâ³äíî äî ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P><FONT class="fs160">          Ïóíêòîì 3.2.1.4.9 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ïåðåäáà÷åíî, ùî ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, íà ñóìó çàëèøêó çàáîðãîâàíîñò³ çà êðåäèòîì.</FONT></P>
<P class="ps6"><FONT class="fs159">Îñê³ëüêè ñóäîì âñòàíîâëåíî, ùî â³äïîâ³äà÷ íå âèêîíàâ óìîâè äîãîâîðó ùîäî ñâîº÷àñíîãî ïîâåðíåííÿ êðåäèòó, ïîçèâà÷åì ñòàíîì íà 16.06.2015ð. ïðàâîì³ðíî íàðàõîâàí³ 8980,12 ãðí. ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ çà â³äñîòêàìè òà 1836 ãðí. çàáîðãîâàíîñò³ ç êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps6"><FONT class="fs158">Â³äïîâ³äíî äî ï. 3 ÷. 1 ñò. 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ó ðàç³ ïîðóøåííÿ &nbsp;çîáîâÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà, ñòÿãíåííÿ íåóñòîéêè. </FONT></P>
<P class="ps6"><FONT class="fs157">Çã³äíî ³ç ÷. 1 ñò. 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, øòðàôíèìè ñàíêö³ÿìè º ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâÿçàííÿ.</FONT></P>
<P class="ps6"><FONT class="fs156">Â³äïîâ³äíî äî 3.2.1.5.1 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè 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 ñïëà÷óº Áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, 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. 3.2.1.4.1.3. Óìîâ - â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps6"><FONT class="fs155">Â³äïîâ³äíî äî ÷. 6 ñò. 231 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôí³ ñàíêö³¿ çà &nbsp;ïîðóøåííÿ ãðîøîâèõ çîáîâÿçàíü âñòàíîâëþþòüñÿ ó &nbsp;â³äñîòêàõ, &nbsp;ðîçì³ð &nbsp;ÿêèõ âèçíà÷àºòüñÿ îáë³êîâîþ ñòàâêîþ Íàö³îíàëüíîãî áàíêó Óêðà¿íè, &nbsp;çà &nbsp;óâåñü ÷àñ êîðèñòóâàííÿ ÷óæèìè êîøòàìè, ÿêùî ³íøèé ðîçì³ð â³äñîòê³â íå ïåðåäáà÷åíî çàêîíîì àáî äîãîâîðîì.</FONT></P>
<P class="ps6"><FONT class="fs154">×àñòèíîþ 6 ñò. 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè &nbsp;ïåðåäáà÷åíî, ùî íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâÿçàííÿ &nbsp;ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps6"><FONT class="fs153">Çã³äíî ç ï. 3.2.1.5.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã - íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü çä³éñíþºòüñÿ ïðîòÿãîì òðüîõ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ïîâèííî áóòè âèêîíàíî.</FONT></P>
<P class="ps6"><FONT class="fs152">Â³äïîâ³äíî äî âèïèñêè ç ðàõóíêó ïîçèâà÷à, Áàíêîì çà ïîðóøåííÿ &nbsp;ÏÏ Íîâ³òí³ òåõíîëîã³¿ ñâî¿õ ãðîøîâèõ çîáîâÿçàíü çà äîãîâîðîì ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, íàðàõîâàíà ïåíÿ, ÿêà &nbsp;â ìåæàõ çàÿâëåíèõ ïîçèâà÷åì äî ñòÿãíåííÿ ñêëàäàº 7892,22 ãðí. &nbsp;Ñóäîì ïåðåâ³ðåíà ïðàâèëüí³ñòü íàðàõóâàííÿ ïåí³ òà äàíà ñóìà ï³äëÿãàº ñòÿãíåííþ. </FONT></P>
<P class="ps6"><FONT class="fs151">Ñòàòòåþ 33 ÃÏÊ Óêðà¿íè âñòàíîâëåíî, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ &nbsp;îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü.</FONT></P>
<P class="ps6"><FONT class="fs150">Ïîçèâà÷ íàäàâ íåîáõ³äí³ äîêàçè â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã.</FONT></P>
<P class="ps6"><FONT class="fs149">Â³äïîâ³äà÷ ñâî¿ì ïðàâîì íà ó÷àñòü ó ñóäîâîìó ðîçãëÿä³ ñïðàâè íå ñêîðèñòàâñÿ, &nbsp;ïèñüìîâèõ ïîÿñíåíü íå íàäàâ, ïðîòè ïîçîâó íå çàïåðå÷èâ, äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ ñóäó òàêîæ íå íàäàâ.           </FONT></P>
<P class="ps6"><FONT class="fs147">Â³äïîâ³äíî äî âèìîã ñò. 49 ÃÏÊ Óêðà¿íè ñóäîâèé çá³ð ñòÿãóºòüñÿ ç â³äïîâ³äà÷à íà êîðèñòü ïîçèâà÷à.</FONT></P>
<P class="ps6"><FONT class="fs133">Êåðóþ÷èñü ñò. ñò. 49, 75, 82, 84, 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps9"><FONT class="fs132">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5"><FONT class="fs146">Ïîçîâí³ âèìîãè&nbsp; &nbsp;çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps7"><FONT class="fs222">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ äåñÿòèäåííîãî ñòðîêó äëÿ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ç ìîìåíòó îôîðìëåííÿ òà ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ. </FONT></P>
<P class="ps7"><FONT class="fs221">Ïîâíå ð³øåííÿ îôîðìëåíî ³ ï³äïèñàíî, çã³äíî ³ç âèìîãàìè ñò. 84 ÃÏÊ Óêðà¿íè 10.09.2015ð.</FONT></P>
<P class="ps6"><FONT class="fs144"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs143"> &nbsp;</FONT><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;Î.À. Òîï÷³é </FONT></P>
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