<TITLE>906/1160/15     </TITLE>
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<P class="ps14"><FONT class="fs43"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps11"><FONT class="fs34">ÓÊÐÀ¯ÍÀ</FONT></P>
<P class="ps11"><FONT class="fs33">Ãîñïîäàðñüêèé ñóä</FONT></P>
<P class="ps11"><FONT class="fs32">Æèòîìèðñüêî¿ îáëàñò³</FONT></P>
<P class="ps13"><FONT class="fs30">_________________________________________</FONT></P>
<P class="ps12"><FONT class="fs36">______________________________________________________________________</FONT></P>
<P class="ps10"><FONT class="fs90">Ð²ØÅÍÍß</FONT></P>
<P class="ps9"><FONT class="fs89">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps8"><FONT class="fs88"> Â³ä</FONT> "07" âåðåñíÿ 2015 ð. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 class="fs87">&nbsp;Ñïðàâà ¹</FONT> 906/1160/15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps8"><FONT class="fs86"> Ãîñïîäàðñüêèé ñóä Æèòîìèðñüêî¿ îáëàñò³ ó ñêëàä³:</FONT></P>
<P class="ps8"><FONT class="fs85"> ñóää³</FONT> Ïðÿäêî Î.Â. </P>
<P class="ps8"> </P>
<P class="ps8"><FONT class="fs84"> çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps8"><FONT class="fs83"> â³ä ïîçèâà÷à:</FONT> Òåðåõîâ Î.Ë. - äîâ³ð. ¹ 2565-Î â³ä 16.08.2013; </P>
<P class="ps8"><FONT class="fs82"> â³ä â³äïîâ³äà÷à:</FONT> íå ïðèáóâ </P>
<P class="ps0"> </P>
<P class="ps0"> ðîçãëÿíóâ ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ â ì. Æèòîìèð³ ñïðàâó</P>
<P class="ps0"> çà ïîçîâîì ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "Ïðèâàòáàíê" (ì. Äí³ïðîïåòðîâñüê) &nbsp;</P>
<P class="ps0"><FONT class="fs81"> äî</FONT> òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "Ä³ñ Òðàíñ" (ì. Íîâîãðàä-Âîëèíñüêèé, Æèòîìèðñüêà îáë.) </P>
<P class="ps1"> </P>
<P class="ps1">Ïðåäñòàâíèê ïîçèâà÷à ïîçîâí³ âèìîãè ï³äòðèìàâ ó ïîâíîìó îáñÿç³ ç ï³äñòàâ, âèêëàäåíèõ ó ïîçîâí³é çàÿâ³; ïîâ³äîìèâ, ùî ñòàíîì íà äàòó ñóäîâîãî çàñ³äàííÿ çàáîðãîâàí³ñòü â³äïîâ³äà÷à çà êðåäèòîì íå ïîãàøåíà, íà ï³äòâåðäæåííÿ ÷îãî íàäàâ äîâ³äêó â³ä 07.09.2015, ÿêó ðàçîì ç êîï³ºþ çàÿâè â³äïîâ³äà÷à â³ä 22.02.2012 ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â &nbsp;³ â³äáèòêà ïå÷àòêè ïðîñèâ äîëó÷èòè äî ìàòåð³àë³â ñïðàâè, ç ïðèâîäó ÷îãî çàÿâèâ óñíå êëîïîòàííÿ, ÿêå áóëî çàäîâîëåíî ñóäîì (à. ñ. 99, 100).</P>
<P class="ps1">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå ïðèáóâ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè ïîâ³äîìëÿâñÿ â÷àñíî òà íàëåæíèì ÷èíîì. Ïèñüìîâîãî â³äçèâó íà ïîçîâ â³ä â³äïîâ³äà÷à íå íàä³éøëî. </P>
<P class="ps1">Ïðè öüîìó, ùîäî íåïðèáóòòÿ â çàñ³äàííÿ ñóäó ïðåäñòàâíèêà â³äïîâ³äà÷à, ãîñïîäàðñüêèé ñóä ïðèéìàº äî óâàãè òàêå.</P>
<P class="ps1">19.08.2015 íà àäðåñó ñóäó ç â³äì³òêîþ ïîøòîâîãî â³ää³ëåííÿ "Çà çàê³í÷åííÿì òåðì³íó çáåð³ãàííÿ" ïîâåðíóëàñÿ íåâðó÷åíîþ êîðåñïîíäåíö³ÿ ãîñïîäàðñüêîãî ñóäó ç óõâàëîþ ñóäó â³ä 06.08.2015, íàïðàâëåíà ðåêîìåíäîâàíèì ëèñòîì ç ïîâ³äîìëåííÿì â³äïîâ³äà÷ó ó ñïðàâ³  ÒÎÂ &nbsp;"Ä³ñ Òðàíñ" (à. ñ. 96 - 98).</P>
<P class="ps1">Â³äïîâ³äíî äî âèìîã ÷. 1 ñò. 17 Çàêîíó Óêðà¿íè "Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â" â³äîìîñò³ ïðî þðèäè÷íó îñîáó àáî ô³çè÷íó îñîáó - ï³äïðèºìöÿ âêëþ÷àþòüñÿ äî ªäèíîãî äåðæàâíîãî ðåºñòðó øëÿõîì âíåñåííÿ çàïèñ³â íà ï³äñòàâ³ â³äîìîñòåé ç â³äïîâ³äíèõ ðåºñòðàö³éíèõ êàðòîê òà â³äîìîñòåé, ùî íàäàþòüñÿ þðèäè÷íèìè îñîáàìè äåðæàâíîìó ðåºñòðàòîðó çà ì³ñöåçíàõîäæåííÿì ðåºñòðàö³éíî¿ ñïðàâè çã³äíî ³ç çàêîíîäàâñòâîì Óêðà¿íè. </P>
<P class="ps1">Çã³äíî ç ÷. 4 ñò. 17 âêàçàíîãî Çàêîíó â ªäèíîìó äåðæàâíîìó ðåºñòð³ ì³ñòÿòüñÿ â³äîìîñò³ ùîäî ô³çè÷íî¿ îñîáè-ï³äïðèºìöÿ, ó òîìó ÷èñë³ ¿¿ ì³ñöå ïðîæèâàííÿ. </P>
<P class="ps1">Â³äïîâ³äíî äî ÷. 1 ñò. 18 Çàêîíó Óêðà¿íè "Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â" ÿêùî â³äîìîñò³, ÿê³ ï³äëÿãàþòü âíåñåííþ äî ªäèíîãî äåðæàâíîãî ðåºñòðó, áóëè âíåñåí³ äî íüîãî, òî òàê³ â³äîìîñò³ ââàæàþòüñÿ äîñòîâ³ðíèìè ³ ìîæóòü áóòè âèêîðèñòàí³ â ñïîð³ ç òðåòüîþ îñîáîþ, äîêè äî íèõ íå âíåñåíî â³äïîâ³äíèõ çì³í. </P>
<P class="ps1">Â ïóíêò³ 11 ³íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 15.03.2007 ¹01-8/123 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2006 ðîö³" çàçíà÷åíî, ùî 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. </P>
<P class="ps1">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, â³äïîâ³äà÷ íå çì³íþâàâ ñâîº¿ þðèäè÷íî¿ àäðåñè, ³ àäðåñà â³äïîâ³äà÷à, íà ÿêó íàïðàâëÿëèñÿ óõâàëè ãîñïîäàðñüêîãî ñóäó, â³äïîâ³äàº àäðåñ³, âêàçàí³é ó Ñïåö³àëüíîìó âèòÿç³ ç ªÄÐ.</P>
<P class="ps1">Âðàõîâóþ÷è âèêëàäåíå, ãîñïîäàðñüêèé ñóä ââàæàº, ùî â³äïîâ³äà÷à áóëî íàëåæíèì ÷èíîì ïîâ³äîìëåíî ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ïðîòå, ñâî¿ì ïðàâîì ïðèéìàòè ó÷àñòü â ñóäîâîìó çàñ³äàíí³ îñòàíí³é íå ñêîðèñòàâñÿ.</P>
<P class="ps1">Àáçàöîì 1 ïóíêòó 3.9.2 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè, â³ä 26.12.2011 ¹ 18 âèçíà÷åíî, ùî ó âèïàäêó íåç'ÿâëåííÿ â çàñ³äàííÿ 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="ps1">Âðàõîâóþ÷è, ùî óõâàëè ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ òà ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè áóëî íàä³ñëàíî â³äïîâ³äà÷ó çà íàëåæíîþ àäðåñîþ, îäíàê ïîâåðíóòî ï³äïðèºìñòâîì çâ'ÿçêó ç â³äì³òêîþ: "Çà çàê³í÷åííÿì òåðì³íó çáåð³ãàííÿ", çâàæàþ÷è, ùî ÿâêà ïðåäñòàâíèêà â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ îáîâ'ÿçêîâîþ íå âèçíàâàëàñÿ, êëîïîòàíü ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè òà ïîâ³äîìëåíü ñóäó ùîäî ïîâàæíîñò³ ïðè÷èí â³äñóòíîñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à â ñóäîâîìó çàñ³äàíí³ äî ñóäó íå íàäõîäèëî, ïðè öüîìó íàäàííÿ ïèñüìîâîãî â³äçèâó â³äïîâ³äíî äî âèìîã ñò. 59 ÃÏÊ Óêðà¿íè º ïðàâîì â³äïîâ³äà÷à, à íå éîãî îáîâ'ÿçêîì, ãîñïîäàðñüêèé ñóä ââàæàº, ùî íåÿâêà â³äïîâ³äà÷à, ïîâ³äîìëåíîãî íàëåæíèì ÷èíîì, íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè çà íàÿâíèìè ìàòåð³àëàìè â³äïîâ³äíî äî ñò. 75 ÃÏÊ Óêðà¿íè. </P>
<P class="ps1">Çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè ìàòåð³àëè ñïðàâè, ãîñïîäàðñüêèé ñóä,-</P>
<P class="ps6"><FONT class="fs79"> ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps3"> </P>
<P class="ps3">22.02.2012 ÒÎÂ "Ëåâêîâñüêèé" (â³äïîâ³äà÷/êë³ºíò) áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â &nbsp;³ â³äáèòêà ïå÷àòêè (à. ñ. 100) ó ÏÀÒ ÊÁ "Ïðèâàòáàíê" (ïîçèâà÷/áàíê).</P>
<P class="ps3">Òîãî æ äíÿ â³äïîâ³äà÷ ÷åðåç ñèñòåìó ³íòåðíåò-êë³ºíò-áàíê³íãó Ïðèâàò 24 øëÿõîì íàêëàäåííÿ åëåêòðîííî - öèôðîâîãî ï³äïèñó ïîäàâ çàÿâó (à. ñ. 30) ïðî ïðèºäíàííÿ äî "Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", Òàðèô³â áàíêó, ùî ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ http:www.privatbank.ua, òà ðàçîì ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 22.02.2012 (äàë³ - äîãîâ³ð), âçÿâøè íà ñåáå çîáîâ'ÿçàííÿ âèêîíóâàòè óìîâè âêàçàíîãî äîãîâîðó.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 11 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè. ×àñòèíà 2 çàçíà÷åíî¿ ñòàòò³ âñòàíîâëþº, ùî ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</P>
<P class="ps3">Çã³äíî ³ç ñò. ñò. 626, 627 ÖÊ Óêðà¿íè äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â. 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. Ñâîáîäà äîãîâîðó ïîëÿãàº ïåðåäóñ³ì ó â³ëüíîìó âîëåâèÿâëåíí³ âîë³ ñòîð³í íà âñòóï ó äîãîâ³ðí³ â³äíîñèíè. Âîëåâèÿâëåííÿ ó÷àñíèê³â äîãîâîðó ïåðåäáà÷àº â³äñóòí³ñòü æîäíîãî òèñêó ç áîêó êîíòðàãåíòà àáî ³íøèõ îñ³á. </P>
<P class="ps3">Àíàëîã³÷í³ ïîëîæåííÿ ì³ñòÿòüñÿ ³ â ÷. 1 ï. 4 ñò. 179 ÃÊ Óêðà¿íè.</P>
<P class="ps3">ßêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ (÷. 2 ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps3">Òàê, áåðó÷è äî óâàãè çì³ñò ïðàâîâ³äíîñèí, ÿê³ ñêëàëèñÿ ì³æ ñòîðîíàìè, òà õàðàêòåð âçÿòèõ íèìè çîáîâ'ÿçàíü, ñóä ä³éøîâ âèñíîâêó ïðî òå, ùî ì³æ ñòîðîíàìè âèíèêëè ïðàâîâ³äíîñèíè ç äîãîâîðó êðåäèòó.</P>
<P class="ps3">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 (÷. 1 ñò. 1054 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Ç îãëÿäó íà âèêëàäåíå, êðåäèòíèé äîãîâ³ð ì³æ ñòîðîíàìè ñêëàäàºòüñÿ ³ç çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â &nbsp;³ â³äáèòêà ïå÷àòêè â³ä 22.02.2012, çàÿâè â³ä 22.02.2012 òà Óìîâ ³ Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ îïðèëþäíåí³ ÷åðåç îô³ö³éíèé ñàéò áàíêó.</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.1.1 "Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã" (äàë³ - óìîâ) êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà 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 ³ êë³ºíòà (ñèñòåìè êë³ºíò - áàíê, ²íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Çã³äíî ç ï. 3.2.1.1.3 óìîâ êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ç &nbsp;ïîâåðíåííÿ êðåäèòó, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps3">Çà çì³ñòîì ñò. 1055 ÖÊ Óêðà¿íè êðåäèòíèé äîãîâ³ð óêëàäàºòüñÿ ó ïèñüìîâ³é ôîðì³. Êðåäèòíèé äîãîâ³ð, óêëàäåíèé ç íåäîäåðæàííÿì ïèñüìîâî¿ ôîðìè, º í³ê÷åìíèì.</P>
<P class="ps3">Ïóíêòîì 3.2.1.1.16 Óìîâ ïåðåäáà÷åíî, ùî ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåííÿ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà äî "Óìîâ òà 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 òà óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ" - åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</P>
<P class="ps3">Çã³äíî ç ï. 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").</P>
<P class="ps3">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 &nbsp;(ñèñòåìè êë³ºíò - áàíê, ²íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ) (ï. 3.2.1.1.6. óìîâ).</P>
<P class="ps3">Â Óìîâàõ òà ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, à ñàìå â ï. 3.2.1.2.2, âñòàíîâëåíèé îáîâ'ÿçîê êë³ºíòà âèðîáëÿòè ïîãàøåííÿ êðåäèòó, îòðèìàíîãî â ìåæàõ âñòàíîâëåíîãî ë³ì³òó, íå ï³çí³øå ñòðîêó çàê³í÷åííÿ ïåð³îäó áåçïåðåðâíîãî êîðèñòóâàííÿ êðåäèòîì, âñòàíîâëåíîãî ï. 3.2.1.1.11.</P>
<P class="ps3">Ïðè öüîìó, ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè (ïï. 3.2.1.4.1.3 ï. 3.2.1.4 óìîâ).</P>
<P class="ps3">Ï³ä "íåïîãàøåííÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ (ïï. 3.2.1.4.1.4 ï. 3.2.1.4 óìîâ).</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 193 ÃÊ 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 - çã³äíî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ.</P>
<P class="ps3">Çã³äíî ç³ ñò. ñò. 525 ³ 526 ÖÊ 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 íå äîïóñêàºòüñÿ.</P>
<P class="ps3">Çà ñò. 610 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</P>
<P class="ps3">Áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâ'ÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì (÷. 1 ñò. 612 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Ùî ñòîñóºòüñÿ çàÿâëåíîãî ïîçèâà÷åì áîðãó ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì òà áîðãó ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, ùî çã³äíî ç ðîçðàõóíêîì îñòàííüîãî ñòàíîâëÿòü â³äïîâ³äíî 9543,75 ãðí òà 2065,32 ãðí, ñë³ä çàçíà÷èòè òàêå.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 2 ñò. 1054 ÖÊ Óêðà¿íè äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïðî ïîçèêó, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì ïðî êðåäèò ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps3">Òàê, ñò. 1048 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Ó ðàç³ â³äñóòíîñò³ ³íøî¿ äîìîâëåíîñò³ ñòîð³í ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè.</P>
<P class="ps3">×àñòèíàìè 1 òà &nbsp;2 ñòàòò³ 1056-1 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè. </P>
<P class="ps3">Â³äïîâ³äíî äî ïï. 3.2.1.4.1 ï. 3.2.1.4 Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò ñïëà÷óº â³äñîòêè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä òåðì³íó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps3">Çã³äíî ç ïï. 3.2.1.4.1.1 Óìîâ çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ 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 (äàë³ - "ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ"), ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps3">Ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëþâàííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ (ïï. 3.2.1.4.1.2 óìîâ).</P>
<P class="ps3">Â³äïîâ³äíî äî ïï. 3.2.1.4.1.3 âèùå çàçíà÷åíèõ óìîâ, ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè.</P>
<P class="ps3">Âîäíî÷àñ, öèì æå ï³äïóíêòîì óìîâ ïåðåäáà÷åíî, ùî ïðè ïîðóøåíí³ êë³ºíòîì áóäü -ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </P>
<P class="ps3">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 (ïï. 3.2.1.4.9 ï. 3.2.1.4 óìîâ).</P>
<P class="ps3">Òàêîæ, ó â³äïîâ³äíîñò³ äî ïï. 3.2.1.4.4 ï. 3.2.1.4 óìîâ, êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6, 3.2.1.2.3.2, 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9 % â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàâ íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps3">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè (ïï. 3.2.1.4.10 ï. 3.2.1.4 óìîâ).</P>
<P class="ps3">Â³äïîâ³äíî äî ïï. 3.2.1.2.3.4 ï. 3.2.1.2.3 óìîâ áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî öèì ðîçä³ëîì "Óìîâàì òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã", çì³íèòè óìîâè êðåäèòóâàííÿ - çàæàäàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³ øëÿõîì ïîäàííÿ â³äïîâ³äíîãî ïîâ³äîìëåííÿ.</P>
<P class="ps3">Ç íàÿâíèõ â ìàòåð³àëàõ ñïðàâè äîêóìåíò³â, à ñàìå âèïèñîê ç áàíê³âñüêîãî ðàõóíêó ÒÎÂ "Ä³ñ Òðàíñ" (à. ñ. 64 - 66) âáà÷àºòüñÿ, ùî â³äïîâ³äà÷ ñâî¿ çîáîâ'ÿçàííÿ ùîäî ñâîº÷àñíîãî ïîãàøåííÿ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà êîì³ñ³¿ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 22.02.2012 ïåðåä ÏÀÒ ÊÁ Ïðèâàòáàíê íå âèêîíàâ.</P>
<P class="ps3">Òàêèì ÷èíîì, ñòàíîì íà äàòó çâåðíåííÿ äî ñóäó ó â³äïîâ³äà÷à óòâîðèëàñü çàáîðãîâàí³ñòü ïî ïðîñòðî÷åíèì ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 9543,75 ãðí òà çàáîðãîâàí³ñòü ïî ñïëàò³ êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 2065,32 ãðí.</P>
<P class="ps3">Ðîçãëÿäàþ÷è ïèòàííÿ ïðî îá´ðóíòîâàí³ñòü âèìîã ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à ïåí³, ùî çã³äíî ç ðîçðàõóíêîì ñòàíîâèòü 8262,21 ãðí (à. ñ. 47, 48, 65, 66), ãîñïîäàðñüêèé ñóä âðàõîâóº íàñòóïíå.</P>
<P class="ps3">×àñòèíîþ 1 ñòàòò³ 216 ÃÊ Óêðà¿íè âñòàíîâëåíî, ùî ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí íåñóòü ãîñïîäàðñüêî-ïðàâîâó â³äïîâ³äàëüí³ñòü çà ïðàâîïîðóøåííÿ ó ñôåð³ ãîñïîäàðþâàííÿ øëÿõîì çàñòîñóâàííÿ äî ïðàâîïîðóøíèê³â ãîñïîäàðñüêèõ ñàíêö³é íà ï³äñòàâàõ ³ â ïîðÿäêó, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè òà äîãîâîðîì.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôíèìè ñàíêö³ÿìè ó öüîìó Êîäåêñ³ 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="ps3">Ñòàòòÿ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà, ñïëàòà íåóñòîéêè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàò³ 549 ÖÊ Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ.</P>
<P class="ps3">Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ (÷. 3 ñò. 549 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Â³äïîâ³äíî äî ïï. 3.2.1.5.1 ï. 3.2.1.5 Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, 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 ñïëà÷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. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì Íàö³îíàëüíîãî áàíêó Óêðà¿íè íà äàòó ñïëàòè.</P>
<P class="ps3">Çã³äíî ç ïï. 3.2.1.5.4 ï. 3.2.1.5 Óìîâ íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.1.5.1, 3.2.1.5.2, 3.2.1.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</P>
<P class="ps3">Ïåðåâ³ðèâøè íàâåäåíèé ïîçèâà÷åì ðîçðàõóíîê ïåí³ ç óðàõóâàííÿì âèçíà÷åíîãî ï. 3.2.1.5.4 óìîâ ïîðÿäêó íàðàõóâàííÿ ïåí³, ãîñïîäàðñüêèé ñóä ä³éøîâ âèñíîâêó, ùî âèìîãè ïîçèâà÷à ïðî ñòÿãíåííÿ íà ñâîþ êîðèñòü ç â³äïîâ³äà÷à 8262,21 ãðí ïåí³, ÿêó íàðàõîâàíî çà ïðîñòðî÷åííÿ ñïëàòè êðåäèòó, â³äñîòê³â òà êîì³ñ³¿ (âèíàãîðîäè çà êîðèñòóâàííÿ êðåäèòîì), º ïðàâîì³ðíèìè òà òàêèìè, ùî ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 33 ÃÏÊ Óêðà¿íè êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü.</P>
<P class="ps3">Çã³äíî ç³ ñò. 32 ÃÏÊ Óêðà¿íè äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü àáî â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè òà çàïåðå÷åííÿ ñòîð³í.</P>
<P class="ps3">Â³äïîâ³äà÷ äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ ó çàÿâëåíîìó ïîçèâà÷åì äî ñòÿãíåííÿ ðîçì³ð³ íå íàäàâ, âèìîãè ïîçèâà÷à íàëåæíèìè òà äîïóñòèìèì äîêàçàìè íå ñïðîñòóâàâ. </P>
<P class="ps3">Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</P>
<P class="ps3"> Êåðóþ÷èñü ñò.ñò. 49, 82-85 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä,-</P>
<P class="ps5"><FONT class="fs78"> </FONT></P>
<P class="ps5"><FONT class="fs77"> ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"> 1. Ïîçîâ çàäîâîëüíèòè.</P>
<P class="ps1">- 9543,75 ãðí - çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps1">- 8262,21 ãðí - ïåí³;</P>
<P class="ps1">- 2065,32 ãðí - çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps1">- 1827,00 ãðí - ñóäîâîãî çáîðó.</P>
<P class="ps1"> 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.</P>
<P class="ps1">Àïåëÿö³éíà ñêàðãà ïîäàºòüñÿ íà ð³øåííÿ ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó ïðîòÿãîì äåñÿòè äí³â ç äíÿ éîãî îãîëîøåííÿ. Ó ðàç³ ÿêùî â ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî ëèøå âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ, çàçíà÷åíèé ñòðîê îá÷èñëþºòüñÿ ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñòàòò³ 84 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps4"> Ïîâíå ð³øåííÿ ñêëàäåíî: &nbsp;10.09.15 </P>
<P class="ps4"> </P>
<P class="ps2"> 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;Ïðÿäêî Î.Â. &nbsp;</P>
<P class="ps0"> </P>
<P><FONT class="fs201"> Â³ääðóêóâàòè: </FONT></P>
<P><FONT class="fs200">1 - â ñïðàâó</FONT></P>
<P><FONT class="fs199">2 - ïîçèâà÷ó</FONT></P>
<P><FONT class="fs198">3 - â³äïîâ³äà÷ó - ðåê. ç ïîâ³ä. </FONT></P>