<TITLE>904/5919/15</TITLE>
<!-- BEGIN METADATA -->
<!-- Íàéìåíóâàííÿ ôàéëà ç ð³øåííÿì -->
<META NAME="FILENAME" CONTENT="5005_3757964.html">
<!-- 1,2 ID ð³øåííÿ TAGNAME(DOCID, DOCORGID) - íóæíî äëÿ ïîëó÷åíèÿ ïîäòâåðæäåíèÿ ðååñòðàöèè -->
<META NAME="DOCID" CONTENT="3757964">
<META NAME="DOCORGID" CONTENT="5">
<!-- [3] Íàéìåíóâàííÿ ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(COURTNAME) -->
<META NAME="COURTNAME" CONTENT="Ãîñïîäàðñüêèé ñóä Äí³ïðîïåòðîâñüêî¿ îáëàñò³">
<!-- [4] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT) -->
<META NAME="CAUSECOURT" CONTENT="5005">
<!-- [4.1] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT2013) -->
<META NAME="CAUSECOURT2013" CONTENT="904">
<!-- [5] Ñïðàâà íîìåð TAGNAME(CAUSENUM) -->
<META NAME="CAUSENUM" CONTENT="904/5919/15">
<!-- [6] Äàòà ñïðàâè TAGNAME(CAUSEDATE) -->
<META NAME="CAUSEDATE" CONTENT="07.07.2015">
<!-- [7] Äàòà óõâàëåííÿ ð³øåííÿ TAGNAME(DOCDATE) -->
<META NAME="DOCDATE" CONTENT="02.09.2015">
<!-- [9] Ôîðìà ð³øåííÿ (ID) TAGNAME(DOCTYPE) -->
<!-- ð³øåííÿ = 2 -->
<!-- ïîñòàíîâà = 3 -->
<!-- óõâàëà ñóäó = 4 -->
<!-- ñóäîâèé íàêàç = 5 -->
<!-- îêðåìà óõâàëà = 6 -->
<META NAME="DOCTYPE" CONTENT="2">
<!-- [10] Ôîðìà ñóäî÷èíñòâà (ID) TAGNAME(CAUSETYPE) -->
<!-- àäì³í³ñòðàòèâíà = 1 -->
<!-- êðèì³íàëüíà = 2 -->
<!-- ãîñïîäàðñüêà = 3 -->
<!-- öèâ³ëüíà = 4 -->
<!-- àäì³í³ñòðàòèâíå ïðàâîïîðóøåííÿ = 5 -->
<META NAME="CAUSETYPE" CONTENT="3">
<!-- [11] Êîä êàòåãîð³¿ ñïðàâè TAGNAME(CAUSECATEGORY) -->
<!-- [12] Ñïðàâà ðîçãëÿäàºòüñÿ ïî ³íñòàíö³¿ (ID) TAGNAME(CAUSELOCATION) -->
<!-- àïåëÿö³éí³é = A -->
<!-- êàñàö³éí³é = C -->
<META NAME="CAUSELOCATION" CONTENT="P">
<!-- [13] Ïîïåðåäí³é íîìåð ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSENUM) -->
<!-- [14] Ïîïåðåäíÿ äàòà ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSEDATE) -->
<!-- [15] Íîìåð ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSENUM) -->
<!-- [16] Äàòà ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSEDATE) -->
<!-- [17] Äàòà óõâàëåííÿ (ïîñòàíîâëåííÿ) ñóäîâîãî ð³øåííÿ, ùî ïåðåãëÿäàºòüñÿ TAGNAME(PREVRESCAUSEDATE) -->
<!-- [18] Ñóä, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCOURTNAME) -->
<!-- [19] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT) -->
<!-- [19.1] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT2013) -->
<!-- [20] Êîä êàòåãîð³¿ ïîïåðåäíüî¿ ñïðàâè TAGNAME(PREVCAUSECATEGORY) -->
<!-- [21] Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ TAGNAME(SECRETARY) -->
<!-- [22] Çàáîðîíà îïðèëþäíåííÿ TAGNAME(HEARINGCLOSED) -->
<!-- íå çàáîðîíåíî = V -->
<!-- çàáîðîíåíî = Z -->
<!-- çàáîðîíåíî òèì÷àñîâî = T -->
<META NAME="HEARINGCLOSED" CONTENT="V">
<!-- [23] Ê³ëüê-òü àðêóø³â äîêóìåíòà (ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß) -->
<!-- Ñóää³ â ð³øåíí³: -->
<!-- [24] Ïîðÿäêîâèé íîìåð TAGNAME(JUDGEPOSITION) -->
<META NAME="JUDGEPOSITION1" CONTENT="1">
<!-- [25] ÏÐ²ÇÂÈÙÅ, ²Í²Ö²ÀËÈ TAGNAME(JUDGENAME) -->
<META NAME="JUDGENAME1" CONTENT="Êðèæíèé Îëåêñàíäð Ìèêîëàéîâè÷">
<!-- [26] ÊÎÄ ÑÓÄÄ² TAGNAME(JUDGECODE) -->
<!-- Ñòîðîíè ð³øåííÿ: -->
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION1" CONTENT="1">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE1" CONTENT="P">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE1" CONTENT="P">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE1" CONTENT="">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE1" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME1" CONTENT="Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî &quot;ÒÅÐÐÀ ÁÀÍÊ&quot; (Ùî º ïðàâîíàñòóïíèêîì Çàêðèòîãî àêö³îíåðíîãî òîâàðèñòâà &quot;²ÍÂÅÑÒ-ÊÐÅÄÈÒ ÁÀÍÊ&quot;)">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT1" CONTENT="Ïîçèâà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO1" CONTENT="24425738">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL1" CONTENT="FALSE">
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION2" CONTENT="2">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE2" CONTENT="V">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE2" CONTENT="">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE2" CONTENT="V">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE2" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME2" CONTENT="Ïîâíå òîâàðèñòâî &quot;Ëîìáàðä &quot;Êðåäèò-Îïò³ìà&quot; ÐÅÂÀ ² ÊÎÌÏÀÍ²ß&quot;">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT2" CONTENT="Â³äïîâ³äà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO2" CONTENT="32692910">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL2" CONTENT="FALSE">
<!-- [38] Âåðñ³ÿ êë³ºíòà TAGNAME(APPVER) -->
<META NAME="APPVER" CONTENT="1.24.0.145">
<!-- [39] Êîä ïðîâàéäåðà ÅÖÏ TAGNAME(CRYPTPROVIDER) -->
<META NAME="CRYPTPROVIDER" CONTENT="DS13">
<!-- END METADATA -->
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=windows-1251">
<META NAME="Author" CONTENT="">
<META NAME="Description" CONTENT="Document">
<META NAME="Document-state" CONTENT="static">
<META NAME="Updated" CONTENT="07.09.2015 18:35:54">
<META NAME="Robots" CONTENT="All">
<META NAME="Keywords" CONTENT="">
<STYLE TYPE="text/css">
margin-right: 10 mm;
margin-bottom: 10 mm;
mso-paper-source: 0;
@charset "Windows-1251";
font-family: Times New Roman;
font-family: Facefont SSH;
font-family: Facefont SSH;
font-family: Times New Roman;
text-align: justify;
margin-bottom: 0 mm;
white-space: normal;
word-spacing: normal;
border-color: black;
margin-bottom: 0 px;
margin-right: 10 px;
background-color: white;
table-layout: fixed;
margin-bottom: 10 px;
border-color: black;
border-style: solid;
border-top-width: 1 px;
border-bottom-width: 1 px;
border-left-width: 1 px;
border-right-width: 1 px;
padding-bottom: 1 px;
padding-right: 5 px;);
border-left-color: White;
border-right-color: White;
border-top-color: White;
border-bottom-color: White;
padding-right: 1 mm;
<P class="ps10"><FONT class="fs258"> </FONT><FONT class="fs256"><IMG src="herb.gif" height=68 width=51></FONT></P>
<P class="ps9"><FONT class="fs146">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ </FONT></P>
<P class="ps1"><FONT class="fs145">ÄÍ²ÏÐÎÏÅÒÐÎÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps14"><FONT class="fs144">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps14"><FONT class="fs143">Ð²ØÅÍÍß</FONT></P>
<P class="ps14"> &nbsp;&nbsp;</P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="35 %" class="tds8"><P><FONT class="fs162"> 02.09.15ð.</FONT></P></TD><TD width="12 %" class="tds8"><BR>
</TD><TD width="53 %" class="tds8"><P class="ps25"><FONT class="fs161">Ñïðàâà ¹ 904/5919/15</FONT></P></TD></TR>
<P><FONT class="fs160">Çà ïîçîâîì</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Òåððà áàíê", ì. Êè¿â<FONT class="fs159"> </FONT></P>
<P><FONT class="fs158">äî</FONT> Ïîâíîãî òîâàðèñòâà "Ëîìáàðä "Êðåäèò-Îïò³ìà" Ðåâà ³ êîìïàí³ÿ", ì. Êðèâèé Ð³ã Äí³ïðîïåòðîâñüêî¿ îáëàñò³ </P>
<P class="ps16"><FONT class="fs157">ïðî</FONT> ñòÿãíåííÿ çàáîðãîâàíîñò³ ó ñóì³ 80 237,81 ãðí. </P>
<P class="ps3"><FONT class="fs156"> Ñóääÿ &nbsp;Êðèæíèé Î.Ì.</FONT></P>
<P><FONT class="fs155">Ïðåäñòàâíèêè:</FONT></P>
<P>â³ä ïîçèâà÷à: íå ç'ÿâèâñÿ</P>
<P class="ps16">â³ä â³äïîâ³äà÷à: íå ç'ÿâèâñÿ</P>
<P class="ps4"><FONT class="fs154">ÑÓÒÜ ÑÏÎÐÓ:</FONT></P>
<P class="ps13">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Òåððà áàíê" çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ç ïîçîâîì, ó ÿêîìó ïðîñèòü ñòÿãíóòè ç Ïîâíîãî òîâàðèñòâà "Ëîìáàðä "Êðåäèò-Îïò³ìà" Ðåâà ³ êîìïàí³ÿ" íà ñâîþ êîðèñòü çàáîðãîâàí³ñòü ³ç ïðîñòðî÷åíîãî êðåäèòó ó ðîçì³ð³ 25&nbsp; &nbsp;&nbsp;000,00 ãðí., ïðîñòðî÷åíó çàáîðãîâàí³ñòü ç³ ñïëàòè â³äñîòê³â ó ðîçì³ð³ 46&nbsp; &nbsp;&nbsp;049,40 ãðí., ïåíþ ó ðîçì³ð³ 8&nbsp; &nbsp;&nbsp;288,41 ãðí. òà êîì³ñ³þ ó ðîçì³ð³ 900,00 ãðí., çàãàëîì íà ñóìó 80 237,81 ãðí. </P>
<P class="ps13">Ïîçîâí³ âèìîãè ìîòèâîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì êðåäèòíîãî äîãîâîðó ¹ 34-Ê/07 â³ä 20.12.2007 ðîêó â ÷àñòèí³ ïîâíîãî òà ñâîº÷àñíîãî ïîâåðíåííÿ êðåäèòíèõ êîøò³â.</P>
<P class="ps13">Ïðåäñòàâíèêè ïîçèâà÷à òà â³äïîâ³äà÷à ó ñóäîâå çàñ³äàííÿ íå ç'ÿâèëèñü, ïðî äåíü, ÷àñ, ì³ñöå ðîçãëÿäó ñïðàâè ïîâ³äîìëåí³ íàëåæíèì ÷èíîì â³äïîâ³äíî äî âèìîã ÷àñòèíè 1 ñòàòò³ 64 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps13">30.07.2015 ðîêó òà 28.07.2015 ðîêó äî ãîñïîäàðñüêîãî ñóäó ïîâåðíóëàñÿ íàïðàâëåíà íà àäðåñó ïîçèâà÷à êîðåñïîíäåíö³ÿ ðàçîì ç ïîøòîâîþ äîâ³äêîþ, â³äïîâ³äíî äî ÿêî¿, ïîøòîâå â³äïðàâëåííÿ íå âðó÷åíå â³äïîâ³äà÷ó, òàê ÿê çã³äíî ïîçíà÷êè íà ïîøòîâ³é äîâ³äö³: "çà çàê³í÷åííÿì òåðì³íó çáåð³ãàííÿ".</P>
<P class="ps13">28.07.2015 ðîêó äî ãîñïîäàðñüêîãî ñóäó ïîâåðíóëàñÿ íàïðàâëåíà íà àäðåñó â³äïîâ³äà÷à êîðåñïîíäåíö³ÿ ðàçîì ç ïîøòîâîþ äîâ³äêîþ, â³äïîâ³äíî äî ÿêî¿, ïîøòîâå â³äïðàâëåííÿ íå âðó÷åíå â³äïîâ³äà÷ó, òàê ÿê çã³äíî ïîçíà÷êè íà ïîøòîâ³é äîâ³äö³: "çà çàê³í÷åííÿì òåðì³íó çáåð³ãàííÿ".</P>
<P class="ps13"><FONT class="fs153">Â³äïîâ³äíî äî ï. 3.9.1 Ïîñòàíîâè Ïëåíóìó Âèùîãî Ãîñïîäàðñüêîãî Ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011 ðîêó</FONT> "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè" çà çì³ñòîì çàçíà÷åíî¿ ñòàòò³ 64 ÃÏÊ, çîêðåìà, 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. </P>
<P class="ps13">Â³äïîâ³äíî äî ï. 3.9.2 <FONT class="fs152">Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè</FONT> â³ä 26.12.2011 ðîêó ¹18 Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿ ó 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.</P>
<P class="ps12">Â³äçèâó íà ïîçîâ Ïîâíå òîâàðèñòâî "Ëîìáàðä "Êðåäèò-Îïò³ìà" Ðåâà ³ êîìïàí³ÿ" äî ñóäó íå íàäàëî, òîìó ñïðàâà ðîçãëÿäàºòüñÿ çà íàÿâíèìè â í³é ìàòåð³àëàìè (ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè). </P>
<P class="ps12">Ðîçãëÿä ñïðàâè áóâ â³äêëàäåíèé ç 05.08.2015 ðîêó íà 02.09.2015 ðîêó.</P>
<P class="ps8">Ó ñóäîâîìó çàñ³äàíí³ 02.09.2015 ðîêó ïðîãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ. </P>
<P class="ps6">Ï³ä ÷àñ ðîçãëÿäó ñïðàâè ñóäîì äîñë³äæåí³ ïèñüìîâ³ äîêàçè, ùî ì³ñòÿòüñÿ â ìàòåð³àëàõ ñïðàâè.</P>
<P class="ps0">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps15"><FONT class="fs151">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps12">20.12.2007 ðîêó ì³æ Çàêðèòèì àêö³îíåðíèì òîâàðèñòâîì "²íâåñò-Êðåäèò áàíê" (íàéìåíóâàííÿ ïîçèâà÷à çì³íåíî íà Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Òåððà áàíê", äåðæàâíà ðåºñòðàö³ÿ çì³í äî óñòàíîâ÷èõ äîêóìåíò³â ïðîâåäåíà &nbsp;20.06.2013 ðîêó) (äàë³ - áàíê) òà Ïîâíèì òîâàðèñòâîì "Ëîìáàðä "Êðåäèò-Îïò³ìà" Ðåâà ³ êîìïàí³ÿ" (ïîçè÷àëüíèê) áóâ óêëàäåíèé êðåäèòíèé äîãîâ³ð ¹ 34-Ê/07 (äàë³ - Äîãîâ³ð), çà óìîâàìè ï. 1.1. ÿêîãî áàíê íàäàº ïîçè÷àëüíèêó êðåäèò øëÿõîì â³äêðèòòÿ â³äêëè÷íî¿ êðåäèòíî¿ ðåâîëüâåðíî¿ ë³í³¿ íà ñóìó 25&nbsp; &nbsp;&nbsp;000,00 ãðí. íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ñòðîêîì íà 60 ì³ñÿö³â ç ê³íöåâèì òåðì³íîì ïîãàøåííÿ 19.12.2012 ðîêó ç âèïëàòîþ 23% ð³÷íèõ.</P>
<P class="ps12">Çã³äíî ï. 4.4. Äîãîâîðó öåé Äîãîâ³ð íàáèðàº ÷èííîñò³ ç ìîìåíòó éîãî ï³äïèñàííÿ òà ä³º äî ïîâíîãî âèêîíàííÿ ïîçè÷àëüíèêîì ïðèéíÿòèõ íà ñåáå çîáîâÿçàíü.</P>
<P class="ps12">Â³äïîâ³äíî äî ï.ï. 1.2.-1.3. Äîãîâîðó êðåäèò çàáåçïå÷óºòüñÿ çàñòàâîþ, ùî îôîðìëåíà äîãîâîðîì çàñòàâè. Çà âèìîãîþ áàíêó ïîçè÷àëüíèê çîáîâÿçóºòüñÿ çä³éñíèòè çàì³íó ïðåäìåòà çàñòàâè íà ³íøå ìàéíî ò³º¿, àáî á³ëüøî¿ âàðòîñò³.</P>
<P class="ps12">Çà óìîâàìè ï. 2.1.1.  2.1.3. Äîãîâîðó áàíê çîáîâÿçóºòüñÿ:</P>
<P class="ps7">-          íàäàòè êðåäèò øëÿõîì ïåðåðàõóâàííÿ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó ïî ðåêâ³çèòàì, íàäàíèì ïîçè÷àëüíèêîì â ïëàò³æíîìó äîðó÷åíí³ àáî íà ïîòî÷íèé ðàõóíîê â ìåæàõ ñóìè, âêàçàíî¿ â ï. 1.1.;</P>
<P class="ps16">-          íàðàõîâóâàòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòíîþ ë³í³ºþ òà êîì³ñ³þ çà îáñëóãîâóâàííÿ êðåäèòíèõ ðàõóíê³â ùîì³ñÿ÷íî 28 ÷èñëà ïîòî÷íîãî ì³ñÿöÿ. Ó âèïàäêó, ÿêùî 28 ÷èñëî ïîòî÷íîãî ì³ñÿöÿ ïðèïàäàº íà ñâÿòêîâ³/íåðîáî÷³/âèõ³äí³ äí³, òî íàðàõóâàííÿ ïðîöåíò³â òà êîì³ñ³¿ çä³éñíþºòüñÿ ó ïåðøèé ðîáî÷èé äåíü ï³ñëÿ 28 ÷èñëà àáî â äåíü íàïåðåäîäí³ â ðàç³ â³äñóòíîñò³ ðîáî÷èõ äí³â ï³ñëÿ âèùåçàçíà÷åíîãî ÷èñëà.</P>
<P class="ps13">Ó ñâîþ ÷åðãó, ïîçè÷àëüíèê, íà ï³äñòàâ³ ï. 2.2.1. - 2.2.3. Äîãîâîðó:</P>
<P class="ps13">- çàáåçïå÷èòè ïîâåðíåííÿ êðåäèòó ó çàçíà÷åíèé â ï. 1.1. ñòðîê;</P>
<P class="ps13">- ñïëà÷óâàòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì â îñòàíí³é ðîáî÷èé äåíü êîæíîãî ì³ñÿöÿ;</P>
<P class="ps13">- îñòàòî÷íå ïîãàøåííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþâàòè íå ï³çí³øå äíÿ ïîãàøåííÿ îñíîâíîãî áîðãó ïî êðåäèòó.</P>
<P class="ps13">Òàêîæ, çã³äíî ï.ï. 2.2.7.-2.2.8. Äîãîâîðó ïîçè÷àëüíèê çîáîâÿçóºòüñÿ:</P>
<P class="ps16">-          ïîâí³ñòþ ïîâåðíóòè êðåäèò òà ñïëàòèòè íàðàõîâàí³ ïðîöåíòè, íåçàëåæíî â³ä íàñòàííÿ ñòðîêó âèêîíàííÿ çîáîâÿçàííÿ ó âèïàäêàõ: ðåîðãàí³çàö³¿ àáî ë³êâ³äàö³¿ ïîçè÷àëüíèêà (çàñòàâîäàâöÿ, ïîðó÷èòåëÿ, ãàðàíòà); ïîðóøåííÿ çàñòàâîäàâöåì (ïîðó÷èòåëåì, ãàðàíòîì) çîáîâÿçàíü çà äîãîâîðîì, ùî çàáåçïå÷óº â÷èíåííÿ çàñòàâîäàâöåì ä³é íà ïðèïèíåííÿ çàñòàâè, ùî çàáåçïå÷óº âèêîíàííÿ ïîçè÷àëüíèêîì çîáîâÿçàíü çà äàíèì êðåäèòíèì äîãîâîðîì, â òîìó ÷èñë³ ùîäî ðîç³ðâàííÿ äåïîçèòíîãî äîãîâîðó òà/àáî äîñòðîêîâî¿ âèìîãè ïîâåðíåííÿ âêëàäó çà äåïîçèòíèì äîãîâîðîì ó ðàç³, ÿêùî ìàéíîâ³ ïðàâà çà ÿêèì, º çàáåçïå÷åííÿì âèêîíàííÿ çîáîâÿçàíü ïîçè÷àëüíèêîì çà äàíèì êðåäèòíèì äîãîâîðîì; íåçãîäè ïîçè÷àëüíèêà ç³ çì³íîþ ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, çàïðîïîíîâàíî¿ áàíêîì; íåñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì (â òîìó ÷èñë³ íåíàëåæíî¿ ñïëàòè ïðîöåíò³â).</P>
<P class="ps13">Ïóíêòîì 2.3. Äîãîâîðó ïåðåäáà÷åí³ ïðàâà áàíêó, à ñàìå:</P>
<P class="ps7">-          ó â³äïîâ³äíîñò³ äî ñòàòò³ 1071 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ó âèïàäêó íåñâîº÷àñíîãî ïîãàøåííÿ êðåäèòíî¿ ë³í³¿, àáî ïðîöåíò³â çà ¿¿ êîðèñòóâàííÿ ñïèñóâàòè ïðîñòðî÷åíó çàáîðãîâàí³ñòü íà ï³äñòàâ³ ìåìîð³àëüíîãî îðäåðó (ï. 2.3.1. Äîãîâîðó);</P>
<P class="ps16">-          ïåðåãëÿíóòè ïðîöåíòíó ñòàâêó çà êîðèñòóâàííÿ êðåäèòîì ïðè çì³í³ êîíþíêòóðè ðèíêó ãðîøîâèõ ðåñóðñ³â íà Óêðà¿í³. Â ðàç³ â³äìîâè ïîçè÷àëüíèêà ïðèéíÿòè íîâ³ óìîâè  âèìàãàòè â³ä ïîçè÷àëüíèêà äîñòðîêîâîãî ïîãàøåííÿ êðåäèòó òà ïðîöåíò³â ïî íüîìó (ï. 2.3.2. Äîãîâîðó);</P>
<P class="ps16">-           ó âèïàäêó â³äñóòíîñò³ â³ëüíèõ êðåäèòíèõ êîøò³â òèì÷àñîâî ïðèïèíèòè êðåäèòóâàííÿ ïî äàíîìó äîãîâîðó, ïîíîâëåííÿ êðåäèòóâàííÿ çä³éñíþºòüñÿ ïðè íàÿâíîñò³ â³ëüíèõ êðåäèòíèõ êîøò³â (ï. 2.3.3. Äîãîâîðó);</P>
<P class="ps16">-          â³äìîâèòè ïîçè÷àëüíèêó â ÷åðãîâ³é âèïëàò³ êîøò³â ç ïîçè÷êîâîãî ðàõóíêó ó ðàç³ ïîðóøåííÿ ïîçè÷àëüíèêîì óìîâ ö³º¿ óãîäè (ï. 2.3.4. Äîãîâîðó);</P>
<P class="ps16">-          íàäàâàòè â³äñòðî÷êó ïîãàøåííÿ êðåäèòíî¿ ë³í³¿ çà îá´ðóíòîâàíèì êëîïîòàííÿì ïîçè÷àëüíèêà. Ïîäàëüøå êðåäèòóâàííÿ ïðè öüîìó ìîæå çä³éñíþâàòèñÿ ç³ ñòÿãíåííÿì ï³äâèùåíèõ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíîþ ë³í³ºþ (ï. 2.3.5. Äîãîâîðó).</P>
<P class="ps13">Çã³äíî ï. 2.5.1. Äîãîâîðó ïîçè÷àëüíèê äîðó÷àº áàíêó, ó âèïàäêó íåñâîº÷àñíîãî ïîãàøåííÿ ïëàòåæ³â, ïåðåäáà÷åíèõ óìîâàìè äàíîãî äîãîâîðó, ñàìîñò³éíî ñïèñóâàòè ç éîãî ïîòî÷íèõ ðàõóíê³â â³äêðèòèõ â ÇÀÒ "²íâåñò-Êðåäèò áàíê" (íàéìåíóâàííÿ ïîçèâà÷à çì³íåíî íà Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî "Òåððà áàíê"), ªÄÐÏÎÓ 24425738, ÌÔÎ 306801 (â ðàç³ ¿õ íàÿâíîñò³) ñóìó ãðîøîâèõ êîøò³â â ðîçì³ð³ çàáîðãîâàíîñò³ çà äàíèì äîãîâîðîì. </P>
<P class="ps13">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè òà íå ñïðîñòîâàíî â³äïîâ³äà÷åì, ïîçèâà÷åì áóëî âñòàíîâëåíî â³äïîâ³äà÷ó êðåäèòí³é ë³ì³ò ó ðîçì³ð³ 25&nbsp; &nbsp;&nbsp;000,00 ãðí.</P>
<P class="ps12">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîçè÷àëüíèê &nbsp;çîáîâ'ÿçàíèé &nbsp;ïîâåðíóòè &nbsp;ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</P>
<P class="ps12">Ó çâÿçêó ç íåïîâåðíåííÿì êðåäèòíèõ êîøò³â çà â³äïîâ³äà÷åì óòâîðèëàñÿ çàáîðãîâàí³ñòü ó ðîçì³ð³ 25&nbsp; &nbsp;&nbsp;000,00 ãðí.</P>
<P class="ps12">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîçèêîäàâåöü &nbsp;ìàº &nbsp;ïðàâî &nbsp;íà &nbsp;îäåðæàííÿ &nbsp;â³ä &nbsp;ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, &nbsp;ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì; ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â &nbsp;âñòàíîâëþþòüñÿ äîãîâîðîì; ÿêùî &nbsp;äîãîâîðîì &nbsp;íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, &nbsp;¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî &nbsp;áàíêó Óêðà¿íè. </P>
<P class="ps13">Ïóíêòîì 2.1.3. Äîãîâîðó âèçíà÷åíî, ùî áàíê íàðàõîâóº ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòíîþ ë³í³ºþ òà êîì³ñ³þ çà îáñëóãîâóâàííÿ êðåäèòíèõ ðàõóíê³â ùîì³ñÿ÷íî 28 ÷èñëà ïîòî÷íîãî ì³ñÿöÿ. Ó âèïàäêó, ÿêùî 28 ÷èñëî ïîòî÷íîãî ì³ñÿöÿ ïðèïàäàº íà ñâÿòêîâ³/íåðîáî÷³/âèõ³äí³ äí³, òî íàðàõóâàííÿ ïðîöåíò³â òà êîì³ñ³¿ çä³éñíþºòüñÿ ó ïåðøèé ðîáî÷èé äåíü ï³ñëÿ 28 ÷èñëà àáî â äåíü íàïåðåäîäí³ â ðàç³ â³äñóòíîñò³ ðîáî÷èõ äí³â ï³ñëÿ âèùåçàçíà÷åíîãî ÷èñëà.</P>
<P class="ps12">Çà íàâåäåíîãî âáà÷àºòüñÿ, ùî â³äïîâ³äà÷ çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ïîâèíåí áóâ ñïëàòèòè â³äñîòêè, ÿê³ çã³äíî ðîçðàõóíêó <FONT class="fs165">òà áàíê³âñüêî¿ âèïèñêè</FONT> ñòàíîâëÿòü 46&nbsp; &nbsp;&nbsp;049,40 ãðí.</P>
<P class="ps12">Çà âèêëàäåíîãî âáà÷àºòüñÿ, ùî â³äïîâ³äà÷ çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ïîâèíåí áóâ ñïëàòèòè êîì³ñ³þ, ÿêà çã³äíî ðîçðàõóíêó <FONT class="fs164">òà áàíê³âñüêî¿ âèïèñêè</FONT> ñòàíîâèòü 900,00 ãðí. &nbsp;</P>
<P class="ps12">Ïîçèâà÷ çàçíà÷àº, ùî ê³íöåâèì òåðì³íîì ïîãàøåííÿ êðåäèòó, çã³äíî ï. 1.1. Äîãîâîðó, º 19.12.2012 ðîêó, îäíàê â³äïîâ³äà÷ îòðèìàí³ â³ä áàíêó êðåäèòí³ êîøòè, íàðàõîâàí³ íà íèõ â³äñîòêè òà êîì³ñ³þ íå ïîâåðíóâ, çîáîâÿçàííÿ çà êðåäèòíèì äîãîâîðîì íå âèêîíàâ, ùî ³ º ïðè÷èíîþ âèíèêíåííÿ ñïîðó.</P>
<P class="ps12">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ &nbsp;âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í); çîáîâ'ÿçàííÿ, ñòðîê (òåðì³í) âèêîíàííÿ ÿêîãî âèçíà÷åíèé âêàç³âêîþ íà ïîä³þ, ÿêà íåìèíó÷å ìàº íàñòàòè, ï³äëÿãàº âèêîíàííþ ç íàñòàííÿì ö³º¿ ïîä³¿.</P>
<P class="ps12">Îòæå, ñòðîê ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè òà êîì³ñ³éíî¿ âèíàãîðîäè ââàæàºòüñÿ òàêèì, ùî íàñòàâ.</P>
<P class="ps12">Íà ìîìåíò ðîçãëÿäó ñïðàâè äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó, â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè òà ïî êîì³ñ³éí³é âèíàãîðîä³ ïåðåä ïîçèâà÷åì â³äïîâ³äà÷ íå íàäàâ, ïîçîâí³ âèìîãè íå ñïðîñòóâàâ.</P>
<P class="ps12">Çã³äíî ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè &nbsp;çîáîâÿçàííÿ ïîâèíí³ âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî âèìîã äîãîâîðó òà âèìîã Öèâ³ëüíîãî 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="ps12">×àñòèíàìè 1 òà 2 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ñóáºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó. Íå äîïóñêàºòüñÿ îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâÿçàíü. Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. Ïîðóøåííÿ çîáîâÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì.</P>
<P class="ps12">Çã³äíî ñòàòò³ 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="ps12">Ñòàòòåþ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà ñïëàòà íåóñòîéêè.</P>
<P class="ps12">Â³äïîâ³äíî äî ÷àñòèí 1, 3 ñòàòò³ 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. </P>
<P class="ps12">Çã³äíî ³ç ÷àñòèíîþ 1 ñòàòò³ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôíèìè ñàíêö³ÿìè âèçíàþòüñÿ 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.</P>
<P class="ps13">Çã³äíî ç ÷. 1 ñò. 199 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè âèêîíàííÿ ãîñïîäàðñüêèõ çîáîâÿçàíü çàáåçïå÷óºòüñÿ çàõîäàìè çàõèñòó ïðàâ òà â³äïîâ³äàëüíîñò³ ó÷àñíèê³â ãîñïîäàðñüêèõ â³äíîñèí, ïåðåäáà÷åíèìè öèì Êîäåêñîì òà ³íøèìè çàêîíàìè. Äî â³äíîñèí ùîäî çàáåçïå÷åííÿ âèêîíàííÿ çîáîâÿçàíü ó÷àñíèê³â ãîñïîäàðñüêèõ â³äíîñèí çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè. </P>
<P class="ps13">Â³äïîâ³äíî äî ÷. 1 ñò. 546 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âèêîíàííÿ çîáîâÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ íåóñòîéêîþ. Âèêîíàííÿ çîáîâÿçàííÿ çàáåçïå÷óºòüñÿ, ÿêùî öå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì (÷. 1 ñò. 548 ÖÊ Óêðà¿íè).</P>
<P class="ps13">Çà óìîâàìè ï. 3.3. Äîãîâîðó ó âèïàäêó íåñâîº÷àñíîãî ïîãàøåííÿ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³éíèõ ï.ï. 2.2.2., 2.2.6., 2.2.7. äàíîãî äîãîâîðó, ïîçè÷àëüíèê ñïëà÷óº áàíêó ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà íà öåé ïåð³îä çà êîæåí äåíü ïðîñòðî÷êè. Ñïëàòà ïåí³ íå çâ³ëüíÿº ïîçè÷àëüíèêà â³ä ñïëàòè ïðîöåíò³â.</P>
<P class="ps12">Ïîçèâà÷ ðîçðàõóâàâ òà &nbsp;íàäàâ äî ñóäó ðîçðàõóíîê ïåí³ çà íåñâîº÷àñíó ñïëàòó ïðîöåíò³â çà Äîãîâîðîì ó ñóì³ 8&nbsp; &nbsp;&nbsp;124,70 ãðí. òà ïåíþ çà íåñâîº÷àñíó ñïëàòó êîì³ñ³¿ ó ñóì³ 163,71 ãðí., çàãàëîì íà ñóìó 8&nbsp; &nbsp;&nbsp;288,41 ãðí.</P>
<P class="ps12">Äîñë³äèâøè íàäàíèé ïîçèâà÷åì ðîçðàõóíîê ïåí³, ñóäîì âèÿâëåí³ ïîìèëêè, ÿê³ ïîâÿçàí³ ç ïî÷àòêîì ïåð³îä³â íàðàõóâàííÿ ïåí³.</P>
<P class="ps12">Òàê, ïîçèâà÷ çàçíà÷àº ïî÷àòêîì ïåð³îä³â íàðàõóâàííÿ ïåí³  01.12.2013 ðîêó, 01.01.2014 ðîêó, 01.02.2014 ðîêó òà äàë³ çà çðîñòàííÿì ïî 01.11.2014 ðîêó.</P>
<P class="ps12">Îäíàê, íå ó âñ³õ íàâåäåíèõ ïîçèâà÷åì ó ðîçðàõóíêó ì³ñÿöÿõ ïåðø³ ÷èñëà º ðîáî÷èìè äíÿìè, á³ëüø³ñòü ïåðøèõ ÷èñåë íàâåäåíèõ ó ðîçðàõóíêó ì³ñÿö³â º âèõ³äíèìè àáî ñâÿòêîâèìè äíÿìè, âíàñë³äîê ÷îãî îñòàíí³é äåíü ñïëàòè â³äñîòê³â ÷è êîì³ñ³¿ ïåðåíîñèòüñÿ íà ïåðøèé ðîáî÷èé äåíü, à ïî÷àòîê ïðîñòðî÷åííÿ âèêîíàííÿ äàíîãî çîáîâÿçàííÿ òà â³äïîâ³äíî ïî÷àòîê ïåð³îä³â íàðàõóâàííÿ ïåí³ íàñòóïàº ç íàñòóïíîãî äíÿ.</P>
<P class="ps12">Ó çâÿçêó ç íàâåäåíèì, ïåíÿ çà íåñâîº÷àñíó ñïëàòó ïðîöåíò³â ñêëàäàº 7&nbsp; &nbsp;&nbsp;003,02 ãðí., ïåíÿ çà íåñâîº÷àñíó ñïëàòó êîì³ñ³¿ ñêëàäàº 140,89 ãðí.</P>
<P class="ps12">Çà âèêëàäåíîãî, âèìîãà ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à íà êîðèñòü ïîçèâà÷à ïåí³ ï³äëÿãàº çàäîâîëåííþ ÷àñòêîâî ó ðîçì³ð³ 7&nbsp; &nbsp;&nbsp;143,91 ãðí.</P>
<P class="ps12">Â³äïîâ³äíî äî <FONT class="fs150">÷.1 ñò.1 Ïåðøîãî Ïðîòîêîëó äî Êîíâåíö³¿ ïðî çàõèñò ïðàâ ëþäèíè ³ îñíîâîïîëîæíèõ ñâîáîä</FONT>: êîæíà ô³çè÷íà àáî þðèäè÷íà îñîáà ìàº ïðàâî ìèðíî âîëîä³òè ñâî¿ì ìàéíîì. Í³õòî íå ìîæå áóòè ïîçáàâëåíèé ñâîº¿ âëàñíîñò³ ³íàêøå ÿê â ³íòåðåñàõ ñóñï³ëüñòâà ³ íà óìîâàõ, ïåðåäáà÷åíèõ çàêîíîì ³ çàãàëüíèìè ïðèíöèïàìè ì³æíàðîäíîãî ïðàâà. ªâðîïåéñüêèé ñóä ç ïðàâ ëþäèíè ï³ä òåðì³íîì "âëàñí³ñòü" ðîçóì³º òàêîæ ãðîøîâ³ êîøòè, ùî ï³äëÿãàþòü îïëàò³. Íåâèêîíàííÿì îáîâ'ÿçêó ùîäî ïîâåðíåííÿ êðåäèòíèõ êîøò³â â³äïîâ³äà÷ ïîðóøóº ïðàâà ïîçèâà÷à, áåçï³äñòàâíî íå ïåðåäàþ÷è ãðîøîâ³ êîøòè ó âëàñí³ñòü ïîçèâà÷à. </P>
<P class="ps12">Ç óðàõóâàííÿì âèêëàäåíîãî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ÷àñòêîâî, à ñàìå ç â³äïîâ³äà÷à ï³äëÿãàº ñòÿãíåííþ 79&nbsp; &nbsp;&nbsp;093,31 ãðí. (25&nbsp; &nbsp;&nbsp;000,00 ãðí. - çàáîðãîâàí³ñòü çà êðåäèòîì 46&nbsp; &nbsp;&nbsp;049,40 ãðí. - çàáîðãîâàí³ñòü ç³ ñïëàòè â³äñîòê³â, 900,00 ãðí. - êîì³ñ³ÿ, 7&nbsp; &nbsp;&nbsp;143,91 ãðí. - ïåíÿ). </P>
<P class="ps12">Çã³äíî ÷. 2 ñò. 44 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ðîçì³ð ñóäîâîãî çáîðó, ïîðÿäîê éîãî ñïëàòè, ïîâåðíåííÿ ³ çâ³ëüíåííÿ â³ä ñïëàòè âñòàíîâëþþòüñÿ çàêîíîì.</P>
<P class="ps13">Çã³äíî ï. 22 ÷. 1 ñò. 5 Çàêîíó Óêðà¿íè "ïðî ñóäîâèé çá³ð" (ðåäàêö³ÿ çàêîíó, ÷èííà íà ìîìåíò ïîäà÷³ ïîçîâó äî ñóäó) â³ä ñïëàòè ñóäîâîãî çáîðó çâ³ëüíÿºòüñÿ óïîâíîâàæåíà îñîáà Ôîíäó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á - ó ñïðàâàõ, ïîâ'ÿçàíèõ ³ç çä³éñíåííÿì òèì÷àñîâî¿ àäì³í³ñòðàö³¿ òà ë³êâ³äàö³¿ áàíêó.</P>
<P class="ps13">Â³äïîâ³äíî äî ïîëîæåíü 4.5. Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 7 â³ä 21.02.2013 ðîêó "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ ðîçä³ëó VI Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè" ó âèïàäêàõ êîëè ïîçèâà÷ çâ³ëüíåíèé â³ä ñïëàòè ñóäîâîãî çáîðó, ó ðàç³ çàäîâîëåííÿ ïîçîâó ïîâí³ñòþ àáî ÷àñòêîâî ñóäîâèé çá³ð ñòÿãóºòüñÿ ç â³äïîâ³äà÷à (ïîâí³ñòþ àáî ïðîïîðö³éíî çàäîâîëåíèì âèìîãàì) â äîõîä Äåðæàâíîãî áþäæåòó Óêðà¿íè, ÿêùî â³äïîâ³äà÷ íå çâ³ëüíåíèé â³ä ñïëàòè öüîãî çáîðó.</P>
<P class="ps13">Çã³äíî ÷. 2 ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñï³ð âèíèê âíàñë³äîê íåïðàâèëüíèõ ä³é ñòîðîíè, ãîñïîäàðñüêèé ñóä ìàº ïðàâî ïîêëàñòè íà íå¿ ñóäîâèé çá³ð íåçàëåæíî â³ä ðåçóëüòàò³â âèð³øåííÿ ñïîðó. </P>
<P class="ps13">Â³äïîâ³äíî äî ï. 4.7 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 7 â³ä 21 ëþòîãî 2013 ðîêó Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ ðîçä³ëó VI Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè: ÷àñòèíîþ äðóãîþ ñòàòò³ 49 ÃÏÊ ïåðåäáà÷åíî, ùî â ðàç³ êîëè ñï³ð âèíèê âíàñë³äîê íåïðàâèëüíèõ ä³é ñòîðîíè, ãîñïîäàðñüêèé ñóä ìàº ïðàâî ïîêëàñòè íà íå¿ ñóäîâèé çá³ð íåçàëåæíî â³ä ðåçóëüòàò³â âèð³øåííÿ ñïîðó. Çàçíà÷åíà íîðìà âèñòóïàº ïðîöåñóàëüíîþ ñàíêö³ºþ, ÿêà çàñòîñîâóºòüñÿ ãîñïîäàðñüêèì ñóäîì íåçàëåæíî â³ä òîãî, ÷è çàÿâëÿëîñÿ â³äïîâ³äíå êëîïîòàííÿ çà³íòåðåñîâàíîþ ñòîðîíîþ. Ó òàêîìó çàñòîñóâàíí³ ñóäó ñë³ä âèõîäèòè ç øèðîêîãî ðîçóì³ííÿ äàíî¿ íîðìè, ìàþ÷è íà óâàç³, ùî ïåðåäáà÷åí³ íåþ íàñë³äêè ìîæóòü íàñòàâàòè ³ â ðàç³ íåïðàâîì³ðíî¿ áåçä³ÿëüíîñò³ âèííî¿ îñîáè, ÿêà íå âæèëà çàõîä³â äî ïîíîâëåííÿ ïîðóøåíèõ íåþ ïðàâ ³ çàêîííèõ ³íòåðåñ³â ³íøî¿ îñîáè (çîêðåìà, óõèëÿëàñÿ â³ä çàäîâîëåííÿ ¿¿ çàñíîâàíèõ íà çàêîí³ âèìîã), ùî çìóñèëî îñòàííþ çâåðíóòèñÿ çà ñóäîâèì çàõèñòîì. </P>
<P class="ps13">Ñóä çàçíà÷àº, ùî ïðè÷èíîþ âèíèêíåííÿ ñïîðó º íåïðàâèëüí³ ä³¿ ñàìå â³äïîâ³äà÷à, òîìó ç â³äïîâ³äà÷à ï³äëÿãàº ñòÿãíåííþ ñóäîâèé çá³ð áåç óðàõóâàííÿ ïðîïîðö³¿ ðîçïîä³ëó ñóäîâîãî çáîðó ó çàãàëüíîìó ðîçì³ð³ 1 827,00 ãðí. </P>
<P class="ps12">Íà ï³äñòàâ³ âèùåâèêëàäåíîãî, êåðóþ÷èñü ÷.1 ñò.1 Ïåðøîãî Ïðîòîêîëó äî Êîíâåíö³¿ ïðî çàõèñò ïðàâ ëþäèíè ³ îñíîâîïîëîæíèõ ñâîáîä, ñò.ñò. 212, 526, 530, 549, 610, 611, 651, 1048, 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò.ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ñò.ñò. 1, 33, 34, 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ãîñïîäàðñüêèé ñóä Äí³ïðîïåòðîâñüêî¿ îáëàñò³, -</P>
<P class="ps15"><FONT class="fs149">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps12">Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</P>
<P class="ps18">Íàêàçè âèäàòè ï³ñëÿ íàáðàííÿ ñóäîâèì ð³øåííÿì çàêîííî¿ ñèëè. </P>
<P class="ps17"><FONT class="fs252">Ïîâíå ð³øåííÿ ñêëàäåíî - &nbsp;03.09.2015 ðîêó.</FONT></P>
<P class="ps18"><FONT class="fs148">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;Î.Ì. Êðèæíèé </FONT></P>
<P><FONT class="fs111"> </FONT></P>