<TITLE>917/1550/15</TITLE>
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<P class="ps10"><FONT class="fs186"> &nbsp;&nbsp;</FONT><FONT class="fs184"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps6"><FONT class="fs96">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps6"><FONT class="fs95">ÏÎËÒÀÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps6"><FONT class="fs94">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps6"><FONT class="fs93">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT class="fs116">&nbsp;09.09.2015 ð.                                                                      Ñïðàâà ¹917/1550/15</FONT></P>
<P class="ps1"><FONT class="fs112"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñóääÿ Òèìîùåíêî Î.Ì.</FONT></P>
<P class="ps9"><FONT class="fs111">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P class="ps9"><FONT class="fs110">â³ä ïîçèâà÷à: </FONT>Ðåáðèê Ñ.Ì., äîâ. ¹3306-Ê-Î â³ä 06.08.2015 ð.,</P>
<P class="ps9"><FONT class="fs109">â³ä â³äïîâ³äà÷à: </FONT>â³äñóòí³</P>
<P class="ps4"><FONT class="fs108">Â ñóäîâîìó çàñ³äàíí³ 09.09.2015 ðîêó ñóä îãîëîñèâ âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ &nbsp;ó â³äïîâ³äíîñò³ äî ñò. 85 ÃÏÊ Óêðà¿íè òà ïîâ³äîìèâ äàòó ñêëàäåííÿ ïîâíîãî òåêñòó ð³øåííÿ.</FONT></P>
<P class="ps4">Â³äïîâ³äà÷ ïîâíîâàæíîãî ïðåäñòàâíèêà â ñóäîâå çàñ³äàííÿ íå íàïðàâèâ, áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ (ïîâ³äîìëåííÿ ïðî &nbsp;âðó÷åííÿ ïîøòîâîãî â³äïðàâëåííÿ â ìàòåð³àëàõ ñïðàâè), âèìîã óõâàë ñóäó â³ä 24.07.2015 ðîêó òà â³ä 13.08.2015 ðîêó íå âèêîíàâ. </P>
<P class="ps4">Â çâ'ÿçêó ç òèì, ùî íåîáõ³äíèõ äëÿ âèð³øåííÿ ñïîðó äîêàç³â íàÿâíèõ â ìàòåð³àëàõ ñïðàâè äîñòàòíüî, ãîñïîäàðñüêèé ñóä &nbsp;ïîâ³äîìëÿâ íàëåæíèì ÷èíîì â³äïîâ³äà÷à ïðî äàòó, ÷àñ ³ ì³ñöå ñóäîâîãî ðîçãëÿäó, à íåÿâêà â³äïîâ³äà÷à íå ïåðåøêîäæàº ðîçãëÿäó ñïðàâè ïî ñóò³, æîäíèõ êëîïîòàíü ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè â³ä â³äïîâ³äà÷à íå íàäõîäèëî, òî &nbsp;ñïðàâà ðîçãëÿäàºòüñÿ áåç ó÷àñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à çà íàÿâíèìè â í³é ìàòåð³àëàìè &nbsp;íà ï³äñòàâ³ ñò. 75 ÃÏÊ Óêðà¿íè. </P>
<P class="ps4">Ïðåäñòàâíèê ïîçèâà÷à ï³äòðèìàâ ïîçîâí³ âèìîãè &nbsp;òà íàïîëÿãàâ íà ¿õ çàäîâîëåíí³. </P>
<P class="ps5"><FONT class="fs105">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, äîñë³äèâøè òà îö³íèâøè ïîäàí³ äîêàçè, ñóä âñòàíîâèâ</FONT>:</P>
<P class="ps3">13.11.2013 ðîêó Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÀÑ-ÑÏÅÖ ²ÍÂÅÑÒ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÒÅÕÍÎËÎÃ²¯" (íàäàë³ â³äïîâ³äà÷) áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó (àðê. ñ. 29).</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.1.16 óìîâ - ïðè óêëàäåíí³ 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/ 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. </P>
<P class="ps3">Çà çì³ñòîì &nbsp;÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè - ÿêùî 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. </P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.1.1. 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 Áàíêà òà Êë³ºíòà. Â³äïîâ³äíî äî ï. 3.2.1.1.3. Óìîâ - êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè. Çã³äíî äî 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 / ²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - Óãîäà).</P>
<P class="ps3">Ïóíêòîì 3.2.1.1.6. Óìîâ âèçíà÷åíî, ùî 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, ²íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ). </P>
<P class="ps3">Ìàòåð³àëè ñïðàâè ñâ³ä÷àòü, ùî â³äïîâ³äíî äî äîâ³äêè &nbsp;â³ä 16.06.2015 ð. ïðî ðîçì³ð âñòàíîâëåíîãî êðåäèòíîãî ë³ì³òó â³äïîâ³äà÷ó &nbsp;ñòàíîì íà:</P>
<P class="ps3">02.03.2014ð. &nbsp;âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 0,00 ãðí.;</P>
<P class="ps3">15.04.2014ð. &nbsp;âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 0,00 ãðí.;</P>
<P class="ps3">Çã³äíî ðîçä³ëó Óìîâ 3.2.1.4. 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). </P>
<P class="ps3">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³ ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </P>
<P class="ps3">Ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ. </P>
<P class="ps3">Ó âèïàäêó 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 ³ ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò ñïëà÷óº Áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü. </P>
<P class="ps3">Ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ. </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. </P>
<P class="ps3">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. Óìîâ - 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. </P>
<P class="ps3">Çã³äíî ³ç ñò. 174 ÃÊ Óêðà¿íè<FONT class="fs118"> </FONT>ãîñïîäàðñüê³ çîáîâ'ÿçàííÿ ìîæóòü âèíèêàòè: ç ãîñïîäàðñüêîãî äîãîâîðó òà ³íøèõ óãîä, ïåðåäáà÷åíèõ çàêîíîì, à òàêîæ ç óãîä, íå ïåðåäáà÷åíèõ çàêîíîì, àëå òàêèõ, ÿê³ éîìó íå ñóïåðå÷àòü. </P>
<P class="ps3">Ó ñòàòò³ 193 ÃÊ Óêðà¿íè çàçíà÷àºòüñÿ, ùî 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="ps3">Ñòàòòÿ 526 ÖÊ Óêðà¿íè âñòàíîâëþº âèìîãó ùîäî âèêîíàííÿ çîáîâ'ÿçàíü íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà. ßêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (÷. 1 ñò. 530 ÖÊ Óêðà¿íè). </P>
<P class="ps3">Äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè (ñò. 629 ÖÊ Óêðà¿íè). </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">Çà ïðèïèñàìè ÷. 1 ñò. 181 ÃÊ Óêðà¿íè ãîñïîäàðñüêèé äîãîâ³ð çà çàãàëüíèì ïðàâèëîì âèêëàäàºòüñÿ ó ôîðì³ ºäèíîãî äîêóìåíòà, ï³äïèñàíîãî ñòîðîíàìè òà ñêð³ïëåíîãî ïå÷àòêàìè. Äîïóñêàºòüñÿ óêëàäåííÿ ãîñïîäàðñüêèõ äîãîâîð³â ó ñïðîùåíèé ñïîñ³á, òîáòî øëÿõîì îáì³íó ëèñòàìè, ôàêñîãðàìàìè, òåëåãðàìàìè, òåëåôîíîãðàìàìè òîùî, à òàêîæ øëÿõîì ï³äòâåðäæåííÿ ïðèéíÿòòÿ äî âèêîíàííÿ çàìîâëåíü, ÿêùî çàêîíîì íå âñòàíîâëåíî ñïåö³àëüí³ âèìîãè äî ôîðìè òà ïîðÿäêó óêëàäåííÿ äàíîãî âèäó äîãîâîð³â. </P>
<P class="ps3">Âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ ùîäî ïîâåðíåííÿ êðåäèòíèõ êîøò³â â³äïîâ³äà÷ íå âèêîíàâ, ùî é ñòàëî ï³äñòàâîþ &nbsp;äëÿ çâåðíåííÿ ïîçèâà÷à äî ñóäó. </P>
<P class="ps3">Çã³äíî ç ÷. 1 ñò. 199 ÃÊ 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="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 546 ÖÊ 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="ps3">Çà çì³ñòîì 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. 3.2.1.2.2.5, 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 â³äñîòêàõ ð³÷íèõ&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. </P>
<P class="ps3">×àñòèíà 6 ñò. 232 ÃÊ Óêðà¿íè ïåðåäáà÷àº, ùî íàðàõóâàííÿ øòðàôíèõ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ìàëî áóòè âèêîíàíî. </P>
<P class="ps3">Â³äïîâ³äíî äî 3.2.1.5.4 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 òðüîõ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</P>
<P class="ps3">Îñê³ëüêè ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ ç ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà îïëàòè êîì³ñ³¿ ìàº ì³ñöå, º ïðàâîì³ðíèìè ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ íà êîðèñòü ïîçèâà÷à ïåí³ çà ïåð³îä ïðîñòðî÷åííÿ ïîâåðíåííÿ êðåäèòó, ïðîñòðî÷åííÿ ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïðîñòðî÷åííÿ îïëàòè êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, íàðàõîâàíî¿ &nbsp;ñóì³ 2127,80 ãðí. (ðîçðàõóíîê â ìàò. ñïðàâè).</P>
<P class="ps3">Äîêàç³â ñïëàòè ñóìè áîðãó àáî éîãî ÷àñòèí³ â³äïîâ³äà÷åì ñóäó íå ïîäàíî.</P>
<P class="ps0"> <FONT class="fs104">Íà ï³äñòàâ³ ìàòåð³àë³â ñïðàâè òà êåðóþ÷èñü &nbsp;33,43,75,82-85 &nbsp;ÃÏÊ Óêðà¿íè, ñóä, -</FONT></P>
<P class="ps6"><FONT class="fs103">Â È Ð ² Ø È Â :</FONT></P>
<P class="ps8">1. &nbsp;&nbsp;Ïîçîâí³ âèìîãè çàäîâîëüíèòè.</P>
<P class="ps0">Âèäàòè íàêàç ³ç íàáðàííÿì öèì ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps0"><FONT class="fs102">Ïîâíå ð³øåííÿ &nbsp;ñêëàäåíî &nbsp;&nbsp;11.09.2015 ðîêó.</FONT></P>
<P><FONT class="fs98">          </FONT><FONT class="fs101">Ñóääÿ                                                                      Òèìîùåíêî Î.Ì.</FONT></P>
<P><FONT class="fs100">          </FONT><FONT class="fs178">Ïðèì³òêà : Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ äåñÿòèäåííîãî ñòðîêó ç äíÿ éîãî ïðèéíÿòòÿ, à ó ðàç³, ÿêùî ó ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî ëèøå âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ, âîíî íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ çàê³í÷åííÿ äåñÿòèäåííîãî ñòðîêó ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñòàòò³ 84 öüîãî Êîäåêñó. Ð³øåííÿ ìîæå áóòè îñêàðæåíî ïðîòÿãîì äåñÿòè äí³â ç äíÿ ïðèéíÿòòÿ ð³øåííÿ, à ó ðàç³ ÿêùî ó ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî ëèøå âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ - ç äíÿ ï³äïèñàííÿ ð³øåííÿ, îôîðìëåíîãî â³äïîâ³äíî äî ñòàòò³ 84 öüîãî Êîäåêñó. Ó &nbsp;ðàç³ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè ð³øåííÿ, ÿêùî éîãî íå ñêàñîâàíî, íàáèðàº çàêîííî¿ ñèëè ï³ñëÿ ðîçãëÿäó ñïðàâè àïåëÿö³éíîþ ³íñòàíö³ºþ </FONT></P>