<TITLE>908/4201/15</TITLE>
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<P class="ps12"><FONT class="fs187"> &nbsp;íîìåð ïðîâàäæåííÿ ñïðàâè &nbsp;34/149/15</FONT></P>
<P class="ps7"><FONT class="fs193"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs189"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps7"><FONT class="fs107">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÇÀÏÎÐ²ÇÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps7"><FONT class="fs103">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs106">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps7"><FONT class="fs109"> &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs88">07.09.2015</FONT><FONT class="fs185"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 ¹ 908/4201/15</FONT></P>
<P class="ps2"><FONT class="fs184">Ãîñïîäàðñüêèé ñóä Çàïîð³çüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Íàóìåíêà À.Î., ïðè ñåêðåòàð³ ßðîâåíêî Ã.Â.</FONT></P>
<P class="ps5"><FONT class="fs183">Çà ó÷àñòþ ïðåäñòàâíèê³â: â³ä ïîçèâà÷à  Öèãàíêîâà Ò.Î., äîâ³ðåí³ñòü ¹ 3999-Î â³ä 03.10.2013 ð.; â³ä â³äïîâ³äà÷à &nbsp; íå çÿâèâñÿ.</FONT></P>
<P class="ps3"><FONT class="fs182">Ðîçãëÿíóâ â ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè ¹ 908/4201/15,</FONT></P>
<P class="ps5"><FONT class="fs179">ïðî ñòÿãíåííÿ ñóìè,</FONT></P>
<P class="ps8"><FONT class="fs178">Ñóòí³ñòü ñïîðó:</FONT></P>
<P class="ps5"><FONT class="fs176">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Çàïîð³çüêî¿ îáëàñò³ â³ä 17.07.2015 ð. ïîçîâíà çàÿâà ïðèéíÿòà äî ðîçãëÿäó, ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹ 908/4201/15 ïðèñâîºíî íîìåð ïðîâàäæåííÿ 34/149/15, ñïðàâó äî ðîçãëÿäó â çàñ³äàíí³ ãîñïîäàðñüêîãî ñóäó ïðèçíà÷åíî íà 12.08.2015 ð.</FONT></P>
<P class="ps5"><FONT class="fs175"> Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Çàïîð³çüêî¿ îáëàñò³ â³ä 12.08.2015 ð., íà ï³äñòàâ³ ñò. 77 ÃÏÊ Óêðà¿íè, ðîçãëÿä ñïðàâè â³äêëàäåíèé íà 07.09.2015 ð. </FONT></P>
<P class="ps5"><FONT class="fs173">Çà êëîïîòàííÿì ïðåäñòàâíèêà ïîçèâà÷à, ðîçãëÿä ñïðàâè çä³éñíþâàâñÿ áåç çàñòîñóâàííÿ çàñîá³â ô³êñàö³¿ ñóäîâîãî ïðîöåñó.</FONT></P>
<P class="ps5"><FONT class="fs172">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâîìó çàñ³äàíí³ ï³äòðèìàëà çàÿâëåíèé ïîçîâ òà ïðîñèëà éîãî çàäîâîëüíèòè. </FONT></P>
<P class="ps5"><FONT class="fs170">Ó â³äïîâ³äíîñò³ äî ñò. 85 ÃÏÊ Óêðà¿íè â ñóäîâîìó çàñ³äàíí³ áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ.</FONT></P>
<P class="ps5"><FONT class="fs169">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè òà âèñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóä </FONT></P>
<P class="ps8"><FONT class="fs168">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps6"><FONT class="fs167">21.06.2013 ð. ÏÏ «Åêîïðîäóêò  2009» (Êë³ºíò) â îñîá³ äèðåêòîðà Ùåðáàêà Ã.Ì. &nbsp;çâåðíóëîñü äî ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» (Áàíê) ³ç çàÿâîþ ïðî â³äêðèòòÿ ðàõóíêó. &nbsp;</FONT></P>
<P class="ps6"><FONT class="fs166">21.06.2013 ð. ÏÏ «Åêîïðîäóêò  2009» (Êë³ºíò) â îñîá³ äèðåêòîðà Ùåðáàêà Ã.Ì. áóëî ï³äïèñàíî çàÿâó ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã.</FONT></P>
<P class="ps5"><FONT class="fs165">Çã³äíî äàíî¿ çàÿâè â³äïîâ³äà÷ ïðèºäíàâñÿ äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã» (äàë³ - Óìîâè), ùî ðîçì³ùåí³ íà ñàéò³ áàíêó </FONT><FONT class="fs112">www.privatbank.ua.,</FONT><FONT class="fs164"> Òàðèô³â ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ», ÿê³ ðàçîì ³ç çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 21.06.2013 ð. (äàë³  äîãîâ³ð) òà âçÿâ íà ñåáå çîáîâÿçàííÿ âèêîíóâàòè óìîâè äîãîâîðó.</FONT></P>
<P class="ps5"><FONT class="fs163">Â³äïîâ³äíî äî ï. 3.18.1.16 Óìîâ, ïðè óêëàäåíí³ äîãîâîð³â òà óãîä, àáî çä³éñíåíí³ ³íøèõ ä³é, ÿê³ ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî öèõ Óìîâ (àáî ó ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè &nbsp;â ñèñòåìàõ êë³ºíò-áàíê àáî â ³íø³é ôîðì³), Áàíê òà Êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â Êë³ºíòà ó âèãëÿä³ åëåêòðîííî-öèôðîâîãî ï³äïèñó òà/àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, íàïðàâëåíèé áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó. Ï³äïèñàííÿ äîãîâîð³â òà óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî ¿õ óêëàäåííÿ ó ïèñüìîâ³é ôîðì³. &nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs162">Ó ïóíêòàõ 3.18.1.1, 3.18.1.3, 3.18.1.6, 3.18.1.8, 3.18.2.1.2 Óìîâ âñòàíîâëåíî, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê Êë³ºíòà íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè. Ë³ì³ò ìîæå áóòè çì³íåíèé Áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè. Ïðîâåäåííÿ ïëàòåæ³â Êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó ïðîâîäèòüñÿ Áàíêîì ïðîòÿãîì îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ (àáî ó ôîðì³ Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó). Çîáîâÿçàííÿ ïî âèäà÷³ êðåäèòó ÷è éîãî ÷àñòèíè âèíèêàº ó Áàíêó â äåíü íàäàííÿ Êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êðåäèòó â ìåæàõ âêàçàíèõ ó íèõ ñóì.</FONT></P>
<P class="ps5"><FONT class="fs161">Ïóíêòîì 3.18.6.1 Óìîâ âèçíà÷åíî, ùî îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó êë³ºíòà çä³éñíþºòüñÿ ç ìîìåíòó ïîäà÷³ Êë³ºíòîì äî Áàíêó çàÿâè íà ïðèºäíàííÿ äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó) òà/àáî ç ìîìåíòó íàäàííÿ Êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíîãî ë³ì³òó â ìåæàõ âèçíà÷åíî¿ ñóìè, òà ä³º â îáñÿç³ ïåðåðàõîâàíèõ êîøò³â äî ïîâíîãî âèêîíàííÿ çîáîâÿçàíü ñòîðîíàìè. &nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps5"><FONT class="fs160">Íà ï³äñòàâ³ âèêëàäåíîãî, â îá´ðóíòóâàííÿ ïîçîâíî¿ çàÿâè ïîçèâà÷ ïîñèëàºòüñÿ íà òå, ùî Óìîâè òà ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã òà Òàðèôè áàíêó, ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.privatbank.ua, ðàçîì ³ç çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 21.06.2013 ð.</FONT></P>
<P class="ps0"><FONT class="fs159">Â ïîðóøåííÿ óìîâ äîãîâîðó â³äïîâ³äà÷ ñâî¿ çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì íå âèêîíàâ, à ñàìå ÏÏ «Åêîïðîäóêò  2009» íå ñïëàòèëî íåîáõ³äí³ êîøòè äëÿ ïîãàøåííÿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs154">Ïðîàíàë³çóâàâøè ôàêòè÷í³ îáñòàâèíè ñïðàâè, îö³íèâøè ïðåäñòàâëåí³ äîêàçè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, ñóä ââàæàº, ùî ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ç îãëÿäó íà íàñòóïíå.</FONT></P>
<P class="ps5"><FONT class="fs153">Ïðàâîâ³äíîñèíè ñòîð³í º ãîñïîäàðñüêèìè.</FONT></P>
<P class="ps5"><FONT class="fs152">Çã³äíî ³ç ÷. 1 ñò. 175 ÃÊ Óêðà¿íè, ìàéíîâî-ãîñïîäàðñüêèìè âèçíàþòüñÿ öèâ³ëüíî-ïðàâîâ³ çîáîâÿçàííÿ, ùî âèíèêàþòü ì³æ ó÷àñíèêàìè ãîñïîäàðñüêèõ â³äíîñèí ïðè çä³éñíåíí³ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, â ñèëó ÿêèõ çîáîâÿçàíà ñòîðîíà ïîâèííà â÷èíèòè ïåâíó ãîñïîäàðñüêó ä³þ íà êîðèñòü äðóãî¿ ñòîðîíè àáî óòðèìóâàòèñÿ â³ä ïåâíî¿ ä³¿, à óïðàâíåíà ñòîðîíà ìàº ïðàâî âèìàãàòè â³ä çîáîâÿçàíî¿ ñòîðîíè âèêîíàííÿ ¿¿ îáîâÿçêó. Ìàéíîâ³ çîáîâÿçàííÿ, ÿê³ âèíèêàþòü ì³æ ó÷àñíèêàìè ãîñïîäàðñüêèõ â³äíîñèí, ðåãóëþþòüñÿ Öèâ³ëüíèì êîäåêñîì Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ Ãîñïîäàðñüêèì êîäåêñîì Óêðà¿íè. </FONT></P>
<P class="ps5"><FONT class="fs151">Çà ñâîºþ ïðàâîâîþ ïðèðîäîþ ïðàâîâ³äíîñèíè ñòîð³í ôàêòè÷íî º äîãîâîðîì áàíê³âñüêîãî ðàõóíêà.</FONT></P>
<P class="ps5"><FONT class="fs150">×àñòèíîþ 1 ñò. 1066 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps5"><FONT class="fs149">Â³äïîâ³äíî äî ÷. 1 ñò. 1067 ÖÊ Óêðà¿íè, äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè.</FONT></P>
<P class="ps5"><FONT class="fs148">Çà ïðèïèñàìè ñò. 1069 ÖÊ Óêðà¿íè, ÿêùî â³äïîâ³äíî äî äîãîâîðó áàíê³âñüêîãî ðàõóíêà áàíê çä³éñíþº ïëàòåæ³ ç ðàõóíêà êë³ºíòà, íåçâàæàþ÷è íà â³äñóòí³ñòü íà íüîìó ãðîøîâèõ êîøò³â (êðåäèòóâàííÿ ðàõóíêà), áàíê ââàæàºòüñÿ òàêèì, ùî íàäàâ êë³ºíòîâ³ êðåäèò íà â³äïîâ³äíó ñóìó â³ä äíÿ çä³éñíåííÿ öüîãî ïëàòåæó. Ïðàâà òà îáîâ'ÿçêè ñòîð³í, ïîâ'ÿçàí³ ç êðåäèòóâàííÿì ðàõóíêà, âèçíà÷àþòüñÿ ïîëîæåííÿìè ïðî ïîçèêó òà êðåäèò (ïàðàãðàôè 1 ³ 2 ãëàâè 71 öüîãî Êîäåêñó), ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì.</FONT></P>
<P class="ps5"><FONT class="fs147">Â³äïîâ³äíî äî ÷. 1 ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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. </FONT></P>
<P class="ps5"><FONT class="fs146">Ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps5"><FONT class="fs145">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.</FONT></P>
<P class="ps5"><FONT class="fs144">Çã³äíî 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  â³äïîâ³äíî äî âèìîã, ùî ó ïåâíèõ óìîâàõ çâè÷àéíî ñòàâëÿòüñÿ.</FONT></P>
<P class="ps5"><FONT class="fs143">Äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè (ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps5"><FONT class="fs142">Ó â³äïîâ³äíîñò³ äî ÷. 1 ñò. 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P class="ps5"><FONT class="fs141">Ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ) (ñò. 610 ÖÊ Óêðà¿íè). </FONT></P>
<P class="ps5"><FONT class="fs140">Â³äïîâ³äíî äî ÷. 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 </FONT></P>
<P class="ps5"><FONT class="fs138">Â³äïîâ³äíî äî ï. 3.18.2.3.4. 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 øëÿõîì íàïðàâëåííÿ ïîâ³äîìëåííÿ.</FONT></P>
<P class="ps5"><FONT class="fs135">Êð³ì òîãî, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à 8677,60 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì, 7400,89 ãðí. ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì; 1835,35 ãðí. çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps5"><FONT class="fs133">Òàêèì ÷èíîì, â³äïîâ³äà÷ó âñüîãî áóëî íàðàõîâàíî 8677,60 ãðí. â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì çà ïåð³îä: ç 26.11.2013 ð. ïî 08.06.2015 ð.</FONT></P>
<P class="ps5"><FONT class="fs131">Ïîðÿäîê ðîçðàõóíê³â âñòàíîâëåíèé â ï. 3.18.4 Óìîâ, çã³äíî ç ÿêèì 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 â³äñîòêîâî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà â³äñîòêîâà ñòàâêà). Ïîðÿäîê ðîçðàõóíêó â³äñîòê³â º íàñòóïíèì. </FONT></P>
<P class="ps5"><FONT class="fs130">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè éîãî îáíóë³ííÿ â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ («ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ»), ðîçðàõóíîê â³äñîòê³â çä³éñíþºòüñÿ çà â³äñîòêîâîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó âîíî ï³äëÿãàëî îáíóë³ííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 24% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè «ïåð³îäó». Ó òàêîìó ðàç³, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ çàê³í÷åííÿ &nbsp;«ïåð³îäó», êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâÿçàííÿ Êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü Êë³ºíò ñïëà÷óº Áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì â ðîçì³ð³ 48% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó âèïàäêó ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâÿçàíü òà ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíîãî Óìîâàìè òà ïðàâèëàìè &nbsp;íàäàííÿ Áàíê³âñüêèõ ïîñëóã, Êë³ºíò âèïëà÷óº Áàíêó ïåíþ â ðîçì³ð³ 0,1315 % â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷êè. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâÿçàíü. Êë³ºíò âèïëà÷óº Áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ Ë³ì³òó ó â³äïîâ³äíîñò³ äî ï.ï. 3.18.1.6, 3.18.2.3.2, 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ â ðîçì³ð³ 0,9 % â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ³ñíóþ÷îãî íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. Ïðè ïåðåðàõóâàíí³ Êë³ºíòîì ç ïîòî÷íîãî ðàõóíêó êîøò³â çà ðàõóíîê êðåäèòíîãî ë³ì³òó íà áóäü-ÿê³ ðàõóíêè àáî ïëàñòèêîâ³ êàðòè, äåðæàòåëÿìè ÿêèõ º ñàì âëàñíèê ïîòî÷íîãî ðàõóíêó àáî áóäü-ÿê³ çâÿçàí³ ç íèì ô³çè÷í³ îñîáè (çà âèêëþ÷åííÿì çàðàõóâàííÿ çàðîá³òíî¿ ïëàòè), ç ñóìè êîæíîãî ç ïðîâåäåíèõ â ðàõóíîê êðåäèòíîãî ë³ì³òó ïåðåðàõóâàíü ñòÿãóºòüñÿ êîì³ñ³éíà âèíàãîðîäà â ðîçì³ð³ 3% â³ä ñóìè ïåðåðàõóâàíü. Êë³ºíò äîðó÷àº Áàíêó ñïèñóâàòè ñóìè òàêî¿ êîì³ñ³éíî¿ âèíàãîðîäè, íàëåæí³ äî ñïëàòè Áàíêó, ç ñâîãî ïîòî÷íîãî ðàõóíêó. (ï. ï. 3.18.1.17, 3.18.4.1.1., 3.18.4.1.2., 3.18.4.1.3., 3.18.4.4. Óìîâ). </FONT></P>
<P class="ps5"><FONT class="fs129">Ïóíêòîì Óìîâ 3.2.1.2.3.1. ñòîðîíè â ïîðÿäêó ÷. 1 ñò. 212 Öèâ³ëüíîãî êîäåêñó ïðèéøëè äî âçàºìíî¿ çãîäè ïðî òå, ùî ïðîöåíòíà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ìîæå áóòè ï³äâèùåíà Áàíêîì, ó ðàç³ ÿêùî çá³ëüøèòüñÿ îáë³êîâà ñòàâêà ÍÁÓ íà 1 àáî á³ëüøå ïóíêò³â, òà / àáî êóðñ ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðà ³íîçåìíèõ âàëþò çá³ëüøèòüñÿ íà 5 àáî á³ëüøå â³äñîòê³â, òà / àáî âàðò³ñòü ðåñóðñ³â íà ì³æáàíê³âñüêîìó ãðîøîâîìó ðèíêó çá³ëüøèòüñÿ íà 5 àáî á³ëüøå â³äñîòê³â. Ñòîðîíè ïîãîäèëèñÿ, ùî çá³ëüøåíà â³äñîòêîâà ñòàâêà ïî÷èíàº ä³ÿòè ï³ñëÿ òîãî, ÿê Áàíê ïîâ³äîìèòü Êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ ó äàíîìó ïóíêò³, à Êë³ºíò íå ïîãàñèòü íàÿâíó ïåðåä áàíêîì çàáîðãîâàí³ñòü â ïîðÿäêó ³ ñòðîêè, ïåðåäáà÷åí³ «Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã». Áàíê ïîâ³äîìëÿº êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ öèì ïóíêòîì, íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî çà äîïîìîãîþ âñòàíîâëåíèõ çàñîá³â åëåêòðîííîãî çâ'ÿçêó Áàíêó ³ Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò-áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps1"><FONT class="fs128">Íàêàçîì ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» ¹ 6783882 â³ä 04.06.2014 ð. ó çâÿçêó ç ð³çêèìè çì³íàìè âàðòîñò³ ðåñóðñ³â íà ì³æáàíê³âñüêîìó ðèíêó ïðèéíÿòî ð³øåííÿ ïðî çì³íó â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì íà ðîçðàõóíêîâîìó ðàõóíêó ç 01.07.2014 ð., à ñàìå: ñòàâêó ïî êðåäèòíîìó ë³ì³òó, ÿêùî çàáîðãîâàí³ñòü íå ïîãàøåíà ïðîòÿãîì ï³ëüãîâîãî ïåð³îäó çá³ëüøåíî äî 36% ð³÷íèõ, ñòàâêó ïî êðåäèòíîìó ë³ì³òó, ÿêùî çàáîðãîâàí³ñòü íå ïîãàøåíà ïðîòÿãîì 90 äí³â ï³ñëÿ ï³ëüãîâîãî ïåð³îäó (ïðîñòðî÷åííÿ) çá³ëüøåíî äî 56% ð³÷íèõ. </FONT></P>
<P class="ps1"><FONT class="fs127">Ïðî â³äïîâ³äí³ çì³íè â³äïîâ³äà÷ 05.06.2014 ð. ïîâ³äîìëåíèé ÷åðåç åëåêòðîííó ñèñòåìó «Ïðèâàò 24», ïðî ñâ³ä÷èòü âèòÿã ç «Ïðèâàò 24» ïî êë³ºíòó ÏÏ «Åêîïðîäóêò  2009» (³äåíòèô³êàö³éíèé êîä þðèäè÷íî¿ îñîáè: 36523608) â³ä 05.06.2014 ð., ùî ì³ñòèòüñÿ â ìàòåð³àëàõ ñïðàâè.</FONT></P>
<P class="ps5"><FONT class="fs126">Çã³äíî ç ï. ï. 3.18.4.9, 3.18.5.1, 3.18.5.4 Óìîâ, ðîçðàõóíîê â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþºòüñÿ ùîäíÿ, ïî÷èíàþ÷è ç äàòè âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ, çà ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ äî ïîâíîãî ïîãàøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó, íà ñóìó çàëèøêó ïî êðåäèòó. Íàðàõóâàííÿ ïðîöåíò³â çä³éñíþºòüñÿ â äàòó ñïëàòè. Ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ Óìîâàìè ï. ï. 3.18.2.2.2, 3.18.4.1, 3.18.4.2, 3.18.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï. ï. 3.18.1.8, 3.18.2.2.3, 3.18.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíîãî ï. ï. 3.18.2.2.5, 3.18.4.4, 3.18.4.5, 3.18.4.6 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. 3.18.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. Íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. ï. 3.18.0.5.1., 3.18.5.2., 3.18.5.3, çä³éñíþºòüñÿ ïðîòÿãîì 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</FONT></P>
<P class="ps5"><FONT class="fs125">Ðîçðàõóíîê ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 8677,60 ãðí., 7400,89 ãðí. ïåí³ òà 1835,35 ãðí. êîì³ñ³¿, ñòàíîì íà 08.06.2015 ð., â³äïîâ³äà÷åì íå ñïðîñòîâàíî.</FONT></P>
<P class="ps1"><FONT class="fs124">Äîêàç³â âèêîíàííÿ âçÿòèõ íà ñåáå çîáîâ'ÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 21.06.2013 ð., à ñàìå äîêóìåíòàëüíîãî ï³äòâåðäæåííÿ ïîãàøåííÿ âèùåâêàçàíî¿ çàáîðãîâàíîñò³ â³äïîâ³äà÷ ñóäó òàêîæ íå íàäàâ.</FONT></P>
<P class="ps5"><FONT class="fs122">Íà ï³äñòàâ³ âèùåâèêëàäåíîãî, ïîçîâ ï³äëÿãàº çàäîâîëåííþ, ç ïîêëàäåííÿì ñóäîâèõ âèòðàò íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs121">Êåðóþ÷èñü ñò. ñò. 44, 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps8"><FONT class="fs120">          ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs119">Ïîçîâ çàäîâîëüíèòè.</FONT></P>
<P class="ps5"><FONT class="fs117">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps5"><FONT class="fs116">Çã³äíî ñò. 85 ÃÏÊ Óêðà¿íè 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.</FONT></P>
<P class="ps5"><FONT class="fs115">Ïîâíå ð³øåííÿ ñêëàäåíî 09.09.2015 &nbsp;ð. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps8"><FONT class="fs114">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;À.Î.Íàóìåíêî</FONT></P>
<P class="ps9"><FONT class="fs105"> &nbsp;</FONT></P>