<TITLE>905/1349/15</TITLE>
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<P class="ps11"><FONT class="fs133"> &nbsp;&nbsp;<IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps6">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ &nbsp;ÄÎÍÅÖÜÊÎ¯ ÎÁËÀÑÒ² <FONT class="fs80">&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs79">Ð ² Ø Å Í Í ß &nbsp;&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs78">³ìåíåì Óêðà¿íè</FONT></P>
<P class="ps1"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 905/1349/15                               </P>
<P class="ps2">çà ïîçîâîì Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà «Äåëüòà Áàíê», ì. Êè¿â</P>
<P class="ps2">äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Àêêðà», ì. Äîíåöüê</P>
<P class="ps9">ïðî ñòÿãíåííÿ 310 610 ãðí. 95 êîï. </P>
<P class="ps10">Ñóääÿ Ãîâîðóí Î.Â.</P>
<P class="ps2">Ïðåäñòàâíèêè ñòîð³í: </P>
<P class="ps2">â³ä ïîçèâà÷à  Øåê³íà À.Ñ., äîâ³ðåí³ñòü â³ä 26.08.2015;</P>
<P class="ps9">â³ä â³äïîâ³äà÷à - íå çÿâèâñÿ. </P>
<P class="ps2">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî «Äåëüòà Áàíê» (äàë³ - ïîçèâà÷) çâåðíóëîñü äî ãîñïîäàðñüêîãî ñóäó Äîíåöüêî¿ îáëàñò³ ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Àêêðà» (äàë³ - â³äïîâ³äà÷) ïðî ñòÿãíåííÿ 310 610ãðí. 95êîï., ç ÿêèõ ñóìà çàáîðãîâàíîñò³ çà êðåäèòîì  285 000ãðí. òà ïðîöåíòè çà êðåäèòíèì äîãîâîðîì  25&nbsp; 610ãðí. 95êîï.</P>
<P class="ps2">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã ïîçèâà÷ çàçíà÷èâ, ùî ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷åì 10.09.2013 áóâ óêëàäåíèé äîãîâ³ð êðåäèòó ¹ÊÞ-ÂÊË-2017228. Ïîçèâà÷ ñâî¿ çîáîâÿçàííÿ çà äîãîâîðîì âèêîíàâ â ïîâíîìó îáñÿç³, íàäàâøè â³äïîâ³äà÷ó êðåäèò â ðîçì³ð³ 285000ãðí., àëå â³äïîâ³äà÷ ç ïîçèâà÷åì íå ðîçðàõóâàâñÿ, ó çâÿçêó ç ÷èì óòâîðèëàñü çàáîðãîâàí³ñòü â³äïîâ³äà÷à, ÿêó ïîçèâà÷ ïðîñèòü ñòÿãíóòè.</P>
<P class="ps0">Â³äïîâ³äà÷ ó ñóäîâå çàñ³äàííÿ íå çÿâèâñÿ, â³äçèâ íà ïîçîâ íå íàäàâ, ïðî ì³ñöå, äàòó òà ÷àñ ðîçãëÿäó ñïðàâè áóâ ïîâ³äîìëåíèé íàëåæíèì ÷èíîì, ïðî ïðè÷èíè íåÿâêè ñóäó íå ïîâ³äîìèâ, òîìó ñïðàâó, íà ï³äñòàâ³ ñò.75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè (äàë³ - ÃÏÊ Óêðà¿íè), ðîçãëÿíóòî çà íàÿâíèìè â í³é ìàòåð³àëàìè. </P>
<P class="ps5">Ñóä, çàñëóõàâøè ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè ïèñüìîâ³ äîêàçè ó ñóäîâîìó çàñ³äàíí³, âñòàíîâèâ íàñòóïí³ ôàêòè òà â³äïîâ³äí³ íèì ïðàâîâ³äíîñèíè.</P>
<P class="ps2">10.09.2013 ì³æ ïîçèâà÷åì òà â³äïîâ³äà÷åì áóâ&nbsp; óêëàäåíèé&nbsp; äîãîâ³ð êðåäèòó ¹ÊÞ-ÂÊË-2017228 (äàë³  äîãîâ³ð), â³äïîâ³äíî äî ï.1.1 ÿêîãî, ïîçèâà÷ çîáîâÿçàâñÿ íàäàòè â³äïîâ³äà÷ó ãðîøîâ³ êîøòè (äàë³  êðåäèò), ó òèì÷àñîâå êîðèñòóâàííÿ íà óìîâàõ çàáåçïå÷åíîñò³, ïîâåðíåííÿ, ñòðîêîâîñò³, ïëàòíîñò³ òà ö³ëüîâîãî õàðàêòåðó âèêîðèñòàííÿ, à â³äïîâ³äà÷ çîáîâÿçàâñÿ ñâîº÷àñíî ïîâåðíóòè îòðèìàíèé êðåäèò, ñïëàòèòè ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì, à òàêîæ âèêîíàòè ³íø³ çîáîâÿçàííÿ çà öèì äîãîâîðîì (à.ñ.7-10). </P>
<P class="ps2">Â³äïîâ³äíî äî ï.1.1.1 äîãîâîðó, íàäàííÿ êðåäèòó çä³éñíþºòüñÿ îêðåìèìè ÷àñòèíàìè ç ìàêñèìàëüíèì ë³ì³òîì çàáîðãîâàíîñò³ â ñóì³ 285&nbsp; 000ãðí. ç³ ñïëàòîþ ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 15% ð³÷íèõ, ç ê³íöåâèì òåðì³íîì ïîâåðíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì äî « 08» ëèïíÿ 2015 ðîêó âêëþ÷íî.</P>
<P class="ps2">Çã³äíî ç ï.1.1.2 äîãîâîðó, ó ðàç³ ïðîñòðî÷åííÿ ê³íöåâîãî òåðì³íó ïîâåðíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì, âèçíà÷åíîãî â ï.1.1.1 äîãîâîðó, ïðîöåíòíà ñòàâêà çà äîãîâîðîì âñòàíîâëþºòüñÿ â ðîçì³ð³ 35% ð³÷íèõ, òà ïî÷èíàº çàñòîñîâóâàòèñÿ äî âçàºìîâ³äíîñèí ñòîð³í çà äîãîâîðîì ïî÷èíàþ÷è ç äíÿ, íàñòóïíîãî çà ê³íöåâèì òåðì³íîì (äíåì) ïîâåðíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ïî äåíü ôàêòè÷íîãî ïîãàøåííÿ ïðîñòðî÷åíî¿ çàáîðãîâàíîñò³ &nbsp;çà êðåäèòîì.</P>
<P class="ps2">Ïóíêòîì 1.2 äîãîâîðó âèçíà÷åíî, ùî êðåäèò íàäàºòüñÿ â³äïîâ³äà÷ó ç ìåòîþ ïîïîâíåííÿ îá³ãîâèõ êîøò³â.</P>
<P class="ps5">Ïîçèâà÷ ñâî¿ çîáîâÿçàííÿ çà äîãîâîðîì âèêîíàâ, ùî ï³äòâåðäæóºòüñÿ âèïèñêàìè ïî îñîáîâèì ðàõóíêàì ïîçèâà÷à òà ìåìîð³àëüíèì îðäåðîì ¹62473092 â³ä 11.09.2013 íà ñóìó &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;285 000ãðí. (à.ñ.1-13).</P>
<P class="ps5">Íà ÷àñ ïðèéíÿòòÿ ð³øåííÿ ó ñïðàâ³ êðåäèò â ðîçì³ð³ 285 000ãðí. â³äïîâ³äà÷åì íå ñïëà÷åíèé.</P>
<P class="ps2">×àñòèíîþ&nbsp; 1&nbsp; ñò.1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³  ÖÊ Óêðà¿íè) âèçíà÷åíî, ùî&nbsp; çà êðåäèòíèì äîãîâîðîì áàíê àáî ³íøà ô³íàíñîâà óñòàíîâà (êðåäèòîäàâåöü) çîáîâÿçóºòüñÿ íàäàòè&nbsp; ãðîøîâ³ êîøòè (êðåäèò) ïîçè÷àëüíèêîâ³ ó ðîçì³ð³ òà íà óìîâàõ, âñòàíîâëåíèõ äîãîâîðîì, à ïîçè÷àëüíèê çîáîâÿçóºòüñÿ ïîâåðíóòè êðåäèò òà ñïëàòèòè ïðîöåíòè.</P>
<P class="ps5">×àñòèíîþ 1 ñòàòò³ 509 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî çîáîâ'ÿçàííÿì 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. </P>
<P class="ps5">Çã³äíî ÷.1 ñò.193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ÿêà êîðåñïîíäóºòüñÿ ç³ ñò.526 ÖÊ Óêðà¿íè, ñóá'ºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, à çà â³äñóòíîñò³ êîíêðåòíèõ âèìîã ùîäî âèêîíàííÿ çîáîâ'ÿçàííÿ - â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ.</P>
<P class="ps5">Â³äïîâ³äíî äî ÷.1 ñò.530 ÖÊ Óêðà¿íè âñòàíîâëåíî, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps5">Çã³äíî ÷.1 ñò.612 ÖÊ 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.</P>
<P class="ps5">Â ïîðóøåííÿ çàçíà÷åíèõ âèìîã çàêîíó òà äîãîâîðó, â³äïîâ³äà÷ âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì íå âèêîíàâ, îòðèìàí³ êîøòè ó âñòàíîâëåí³ ñòðîêè íå ïîâåðíóâ, ïëàòó çà êðåäèò ñâîº÷àñíî òà â ïîâíîìó îáñÿç³ íå ñïëàòèâ. </P>
<P class="ps3">Âðàõîâóþ÷è âèùåçàçíà÷åíå òà òîé ôàêò, ùî â³äïîâ³äà÷ íå íàäàâ ñóäó äî ïðèéíÿòòÿ ð³øåííÿ ó ñïðàâ³ äîêàç³â ïîãàøåííÿ äàíî¿ ñóìè, ãîñïîäàðñüêèé ñóä ââàæàº ïîçîâí³ âèìîãè â ÷àñòèí³ ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 285 000ãðí. äîâåäåíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps2">Ó çâ'ÿçêó ç íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì ïðèéíÿòèõ íà ñåáå çîáîâ'ÿçàíü, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à ïðîöåíòè çà êðåäèòíèì äîãîâîðîì çà ïåð³îä ç 11.09.2013 ïî 03.08.2014 ó ðîçì³ð³ 25&nbsp; 610ãðí. 95êîï. (à.ñ.6).</P>
<P class="ps5">Âðàõîâóþ÷è âèùåâèêëàäåíå òà áåðó÷è äî óâàãè, ùî âèìîãà ïîçèâà÷à ïðî ñòÿãíåííÿ ïðîöåíò³â çà êðåäèòíèì äîãîâîðîì â³äïîâ³äíî äî óìîâ äîãîâîðó º ïðàâîì³ðíîþ, äîâåäåíîþ íàëåæíèì ÷èíîì òà ï³äòâåðäæåíîþ ìàòåð³àëàìè ñïðàâè, âîíà º îá´ðóíòîâàíîþ òà òàêîþ, ùî ï³äëÿãàº çàäîâîëåííþ. </P>
<P class="ps5">Â³äïîâ³äíî äî ñò. 33 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü. </P>
<P class="ps5">Âîäíî÷àñ, ñóäîì çàçíà÷àºòüñÿ, ùî, íà ï³äñòàâ³ ñò. 38 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä âèòðåáîâóº äîêàçè çà íàÿâíîñò³ â³äïîâ³äíîãî êëîïîòàííÿ, ó ðàç³ íåìîæëèâîñò³ ñàìîñò³éíî íàäàòè äîêàçè ñòîðîíàìè.</P>
<P class="ps5">Â³äïîâ³äíî äî ÷.1 ñò. 43 ÃÏÊ 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. </P>
<P class="ps5">Çà òàêèõ îáñòàâèí, ñóä ââàæàº ïîçîâí³ âèìîãè òàêèìè ùî ï³äëÿãàþòü çàäîâîëåííþ ïîâí³ñòþ.</P>
<P class="ps5">Ãîñïîäàðñüê³ âèòðàòè ðîçïîä³ëèòè â³äïîâ³äíî äî ñò.49 ÃÏÊ Óêðà¿íè.</P>
<P class="ps5">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò. ñò. 49, 82-85 ÃÏÊ Óêðà¿íè, ñóä</P>
<P class="ps7"><FONT class="fs77">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps5">Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps5">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 áóëî ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì.</P>
<P class="ps5">Àïåëÿö³éíà ñêàðãà ïîäàºòüñÿ íà ð³øåííÿ ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó ïðîòÿãîì äåñÿòè äí³â, ÷åðåç ãîñïîäàðñüêèé ñóä, ÿêèé ðîçãëÿíóâ ñïðàâó.</P>
<P class="ps1">          </P>
<P class="ps1"><FONT class="fs76"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;Î.Â. Ãîâîðóí</FONT><FONT class="fs131"> </FONT></P>
<P class="ps1"><FONT class="fs130">          </FONT></P>
<P class="ps1"><FONT class="fs75"> &nbsp;&nbsp;</FONT>&nbsp;          </P>
<P class="ps1">          </P>