<TITLE>911/2856/15</TITLE>
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<P class="ps14"><FONT class="fs184"> </FONT><FONT class="fs182"><IMG src="herb.gif" height=58 width=44></FONT></P>
<P class="ps10"><FONT class="fs103">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps10"><FONT class="fs108">Êè¿âñüêî¿ îáëàñò³</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps8"><FONT class="fs110"> &nbsp;</FONT></P>
<P class="ps9"><FONT class="fs106">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps9"><FONT class="fs105">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps9">"31" ñåðïíÿ 2015 ð.<FONT class="fs124">                                                             &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 911/2856/15 &nbsp;</FONT></P>
<P><FONT class="fs123">          </FONT></P>
<P class="ps0"><FONT class="fs122">çà ïîçîâîì</FONT><FONT class="fs175"> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê», &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps0"><FONT class="fs121">äî</FONT><FONT class="fs174"> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ã²ÐÑÜÊÈÉ ÊÐÈØÒÀËÜ 2013» ,ì. Áó÷à</FONT></P>
<P><FONT class="fs120">ïðî</FONT><FONT class="fs173"> ñòÿãíåííÿ 18 279,38 ãðí. </FONT></P>
<P class="ps6"><FONT class="fs119">Ñóääÿ Ùîòê³í Î.Â.</FONT></P>
<P class="ps4"><FONT class="fs118">çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
<P class="ps4"><FONT class="fs117">ïîçèâà÷</FONT><FONT class="fs172">  ßíäóëüñüêèé Ä.Â. ïðåäñò. äîâ. ¹1821-Ê-Î â³ä 28.04.2015; &nbsp;</FONT></P>
<P class="ps4"><FONT class="fs116">â³äïîâ³äà÷</FONT><FONT class="fs171"> &nbsp; íå çÿâèâñÿ. </FONT></P>
<P class="ps7"><FONT class="fs115">âñòàíîâèâ:</FONT></P>
<P class="ps5"><FONT class="fs170">Äî ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ íàä³éøëà ïîçîâíà çàÿâà Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê» (ïîçèâà÷) äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ã²ÐÑÜÊÈÉ ÊÐÈØÒÀËÜ 2013» (â³äïîâ³äà÷) ïðî ñòÿãíåííÿ 18 279,38 ãðí. çàáîðãîâàíîñò³ çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ á/í â³ä 12.11.2013, ÿêà ñêëàäàºòüñÿ ç: 9 283,57 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 6151,91 ãðí. çàáîðãîâàíîñò³ çà ïðîöåíòàìè òà 2 843,90 ãðí. ïåí³.</FONT></P>
<P class="ps5"><FONT class="fs169">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 10.07.2015 ó ñïðàâ³ ¹911/2856/15 ïîðóøåíî ïðîâàäæåííÿ òà ïðèçíà÷åíî äî ðîçãëÿäó íà 17.08.2015.</FONT></P>
<P class="ps5"><FONT class="fs168">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 17.08.2015 ðîçãëÿä ñïðàâè â³äêëàäåíî íà 31.08.2015, ó çâÿçêó ç íåÿâêîþ ïîâíîâàæíîãî ïðåäñòàâíèêà â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs167">27.08.2015 ðîêó ÷åðåç êàíöåëÿð³þ ñóäó â³ä ïîçèâà÷à íàä³éøëî êëîïîòàííÿ ïðî ðîçãëÿä ñïðàâè çà â³äñóòíîñò³ ïîâíîâàæíîãî ïðåäñòàâíèêà ïîçèâà÷à, ÿêå ïðèñóòí³é ó ñóäîâîìó çàñ³äàíí³ 31.08.2015 ðîêó ïðåäñòàâíèê ïîçèâà÷à ïðîñèâ çàëèøèòè áåç ðîçãëÿäó.</FONT></P>
<P class="ps5"><FONT class="fs166">Â³äïîâ³äà÷ â ñóäîâå çàñ³äàííÿ 31.08.2015 ðîêó ïîâòîðíî íå çàáåçïå÷èâ ÿâêó ñâîãî ïîâíîâàæíîãî ïðåäñòàâíèêà, ïèñüìîâîãî â³äçèâó íà ïîçîâ òà ³íøèõ äîêóìåíò³â, âèòðåáóâàíèõ óõâàëàìè ñóäó, íå ïîäàâ.</FONT></P>
<P class="ps5"><FONT class="fs165">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 93 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè âèçíà÷àºòüñÿ ì³ñöåì ¿¿ äåðæàâíî¿ ðåºñòðàö³¿, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì.</FONT></P>
<P class="ps5"><FONT class="fs164">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 ïðèì³ðíèêè ïîâ³äîìëåíü ïðî âðó÷åííÿ ðåêîìåíäîâàíî¿ êîðåñïîíäåíö³¿, ïîâåðíóò³ îðãàíàìè çâ'ÿçêó ç ïîçíà÷êàìè «àäðåñàò âèáóâ», «àäðåñàò â³äñóòí³é» ³ ò. ï., ç óðàõóâàííÿì êîíêðåòíèõ îáñòàâèí ñïðàâè ìîæóòü ââàæàòèñÿ íàëåæíèìè äîêàçàìè âèêîíàííÿ ãîñïîäàðñüêèì ñóäîì îáîâ'ÿçêó ùîäî ïîâ³äîìëåííÿ ó÷àñíèê³â ñóäîâîãî ïðîöåñó ïðî â÷èíåííÿ öèì ñóäîì ïåâíèõ ïðîöåñóàëüíèõ ä³é (ï. 4 ²íôîðìàö³éíîãî ëèñòà Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè 02.06.2006 ¹ 01-8/1228 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ íîðì Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ïîðóøåí³ ó äîïîâ³äíèõ çàïèñêàõ ïðî ðîáîòó ãîñïîäàðñüêèõ ñóä³â ó 2005 ðîö³»).</FONT></P>
<P class="ps5"><FONT class="fs163">Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 ÃÏÊ. Çà çì³ñòîì ö³º¿ íîðìè, 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. 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.</FONT></P>
<P class="ps5"><FONT class="fs162">Àíàëîã³÷íà ïðàâîâà ïîçèö³ÿ âèêëàäåíà â ï.ï. 3.9.1, 3.9.2 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011ð. «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿». </FONT></P>
<P class="ps5"><FONT class="fs161">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, óõâàëè ñóäó íàäñèëàëèñü â³äïîâ³äà÷ó çà àäðåñîþ âêàçàíîþ â ïîçîâí³é çàÿâ³ òà Ñïåö³àëüíîìó âèòÿãó ç ªÄÐÏÎÓ, ùî ñâ³ä÷èòü ïðî òå, ùî â³í áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè. </FONT></P>
<P class="ps5"><FONT class="fs160">Âðàõîâóþ÷è, ùî íåÿâêà â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå ïåðåøêîäæàº ðîçãëÿäó ñïîðó ïî ñóò³, à òàêîæ çâàæàþ÷è íà ñòðîêè, ïåðåäáà÷åí³ ñò. 69 ÃÏÊ Óêðà¿íè ùîäî òåðì³íó ðîçãëÿäó ñïðàâè, ñóä ââàæàº çà ìîæëèâå çä³éñíèòè ðîçãëÿä ñïðàâè çà íàÿâíèìè â í³é ìàòåð³àëàìè, â³äïîâ³äíî äî ñòàòò³ 75 ÃÏÊ Óêðà¿íè, çà â³äñóòíîñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs159">Â³äïîâ³äíî äî ÷àñòèíè 2 ñòàòò³ 82 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ð³øåííÿ ïðèéìàºòüñÿ ñóäîì çà ðåçóëüòàòàìè îö³íêè äîêàç³â, ïîäàíèõ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ãîñïîäàðñüêîãî ïðîöåñó, à òàêîæ äîêàç³â, ÿê³ áóëè âèòðåáóâàí³ ãîñïîäàðñüêèì ñóäîì, ó íàðàä÷³é ê³ìíàò³.</FONT></P>
<P class="ps5"><FONT class="fs158">Çã³äíî ç ÷. 1 ñòàòò³ 85 ÃÏÊ Óêðà¿íè, ïðèéíÿòå ð³øåííÿ îãîëîøóºòüñÿ ãîñïîäàðñüêèì ñóäîì ó ñóäîâîìó çàñ³äàíí³ ï³ñëÿ çàê³í÷åííÿ ðîçãëÿäó ñïðàâè.</FONT></P>
<P class="ps5"><FONT class="fs157">Âðàõîâóþ÷è äîñòàòí³ñòü â ìàòåð³àëàõ ñïðàâè äîêàç³â äëÿ ïîâíîãî, âñåá³÷íîãî òà îáºêòèâíîãî ðîçãëÿäó ñïîðó ïî ñóò³, â ñóäîâîìó çàñ³äàíí³ 31.08.2015 ðîêó áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ. </FONT></P>
<P class="ps5"><FONT class="fs156">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè äîêàçè òà îö³íèâøè ¿õ â ñóêóïíîñò³, ñóä, -</FONT></P>
<P class="ps11"><FONT class="fs114">âñòàíîâèâ:</FONT></P>
<P class="ps5"><FONT class="fs155">12.11.2013 ðîêó Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Ã²ÐÑÜÊÈÉ ÊÐÈØÒÀËÜ 2013» (êë³ºíò) çâåðíóëîñü ç çàÿâîþ äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «ÏÐÈÂÀÒÁÀÍÊ»-ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» (áàíê) ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</FONT></P>
<P class="ps5"><FONT class="fs152">Çã³äíî äî ï. 3.1.1.73 &nbsp;Óìîâ, ïîñëóãó «Ãàðàíòîâàíèé ïëàò³æ» ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» íàäàº, äëÿ âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà ãîñïîäàðñüêèìè äîãîâîðàìè, ùî óêëàäàþòüñÿ ì³æ Êë³ºíòîì òà éîãî êîíòðàãåíòàìè, à òàêîæ ì³æ Êë³ºíòîì ³ ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» (äàë³  ïîñëóãà). Ïîñëóãà íàäàñòüñÿ ó âèãëÿä³ âèêîíàííÿ ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» çàÿâîê íà äîãîâ³ðíå ñïèñàííÿ êîøò³â (äàë³ - «ãàðàíòîâàíèé ïëàò³æ» àáî «çàÿâêà»), çã³äíî ÿêî¿ êë³ºíò-ïëàòíèê äîðó÷àº ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» çàðàõóâàòè êîøòè íà ðàõóíîê îòðèìóâà÷à, â ñóì³ ³ â äàòó, çàçíà÷åí³ ïðè ñòâîðåíí³ çàÿâêè. Ïîñëóãà íàäàºòüñÿ ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» ÿê çà ðàõóíîê âëàñíèõ êîøò³â ïëàòíèêà, òàê ³ çà ðàõóíîê êðåäèòíèõ êîøò³â. Ñïîæèâà÷àìè ö³º¿ ïîñëóãè º ïëàòíèê ³ îäåðæóâà÷ ïëàòåæ³â çà ãîñïîäàðñüêèìè äîãîâîðàì).</FONT></P>
<P class="ps5"><FONT class="fs151">Â³äïîâ³äíî äî ï.3.2.2.1. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòà ïðîöåíò³â ³ âèíàãîðîäè.</FONT></P>
<P class="ps5"><FONT class="fs150">Îáîâ'ÿçêîâèìè ðåêâ³çèòàìè çàÿâêè íà äîãîâ³ðíå ñïèñàííÿ êîøò³â º: íîìåð ³ äàòà çàÿâêè (ïðèñâîþþòüñÿ àâòîìàòè÷íî), ðàõóíîê ïëàòíèêà, ðàõóíîê îäåðæóâà÷à, ñóìà ïëàòåæó, ïðèçíà÷åííÿ ïëàòåæó (³ç çàçíà÷åííÿì â³äîìîñòåé ïðî ãîñïîäàðñüêèé äîãîâ³ð, íà âèêîíàííÿ îïëàòè ïî ÿêîìó ïîäàñòüñÿ çàÿâêà), äàòà çàðàõóâàííÿ êîøò³â îäåðæóâà÷ó (äàòà âèêîíàííÿ çàÿâêè), âêàç³âêè çà ðàõóíîê ÿêèõ êîøò³â (âëàñíèõ êîøò³â êë³ºíòà / êðåäèòíèõ / çì³øàíî) íåîáõ³äíî çàðåçåðâóâàòè ãðîø³ äëÿ âèêîíàííÿ ãàðàíòîâàíîãî ïëàòåæó (ï. 3.1.1.74 Óìîâ). Âñ³ çàçíà÷åí³ ðåêâ³çèòè âêàçàí³ â âèïèñêàõ ïî ðàõóíêàõ.</FONT></P>
<P class="ps5"><FONT class="fs149">Ï³ñëÿ îòðèìàííÿ ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» çà äîïîìîãîþ ñèñòåìè äèñòàíö³éíîãî îáñëóãîâóâàííÿ Çàÿâêè (ñèñòåìà Internet Banking Ïðèâàò-24  îô³ö³éíèé êàíàë çâ'ÿçêó ì³æ Áàíêîì òà êë³ºíòîì â³äïîâ³äíî äî ï. 1.1.1.91. Óìîâ), ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» ðîçãëÿäàº ¿¿ íà ïðåäìåò íàäàííÿ àáî â³äìîâè ó íàäàíí³ Ïîñëóãè, ó ðàç³ â³äñóòíîñò³ ó ïëàòíèêà âëàñíèõ êîøò³â òà/àáî íåêðåäèòîñïðîìîæíîñò³ ïëàòíèêà (ï. 3.1.1.75. Óìîâ).</FONT></P>
<P class="ps5"><FONT class="fs148">Â³äïîâ³äíî äî ï. 3.2.2.2. Óìîâ, Êë³ºíò ïîãàøàº çàáîðãîâàí³ñòü ïî êðåäèòó â ðîçì³ð³, çàçíà÷åíîìó â çàÿâö³ Êë³ºíòà, â ñòðîê äî 30 äí³â ç äàòè âèêîíàííÿ çàÿâêè. Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè ³í³ö³þâàííÿ Êë³ºíòîì çàÿâêè äî äàòè âèêîíàííÿ çàÿâêè Êë³ºíò ñïëà÷óº âèíàãîðîäó çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó â ðîçì³ð³ 4% ð³÷íèõ (àëå íå ìåíø í³æ 5 ãðèâåíü) â³ä ðîçì³ðó êðåäèòó, çàçíà÷åíîãî ó ÷åðãîâ³é çàÿâö³ Êë³ºíòà. Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó ñïëà÷óºòüñÿ Êë³ºíòîì â äàòó íàäàííÿ â Áàíê ÷åðãîâî¿ çàÿâêè. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â äî 30.06.2014 ðîêó Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» â³äñîòêè â ðîçì³ð³ 28% ð³÷íèõ, à ïî÷èíàþ÷è ç 01.07.2014 ðîêó Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº ÏÀÒ ÊÁ «ÏÐÈÂÀÒÁÀÍÊ» â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³. Ó ðàç³ íå ïîãàøåííÿ çàáîðãîâàíîñò³ Êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 30 äí³â, âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì Êë³ºíò ïëàòèòü â³äñîòêè â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs147">Â³äïîâ³äíî äî ï. 3.2.2.2 Óìîâ, ó ðàç³ íåïîãàøåí³é çàáîðãîâàíîñò³ Êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 30 äí³â, âêëþ÷íî, íà 31-é äåíü  çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì Êë³ºíò ïëàòèòü â³äñîòêè â ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs146">Ïóíêòîì 3.2.2.7.5. Óìîâ, ïåðåäáà÷åíî, ùî Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, çì³íèòè óìîâè êðåäèòóâàííÿ-âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps5"><FONT class="fs145">ßê ñòâåðäæóº ïîçèâà÷, â³í ñâî¿ çîáîâ'ÿçàííÿ âèêîíàâ íàëåæíèì ÷èíîì, ñâîº÷àñíèì ïðîâåäåííÿì Ãàðàíòîâàíèõ ïëàòåæ³â ³í³ö³éîâàíèõ êë³ºíòîì, ùî ï³äòâåðäæóºòüñÿ ðîçðàõóíêîì çàáîðãîâàíîñò³ òà âèïèñêàìè ïî ðàõóíêàõ â³äêðèòèõ äëÿ îáñëóãîâóâàííÿ ðàõóíêó â³äïîâ³äà÷à.</FONT></P>
<P class="ps5"><FONT class="fs143">Âðàõîâóþ÷è òå, ùî ñòàíîì íà 27.03.2015 çàáîðãîâàí³ñòü â³äïîâ³äà÷ ïåðåä ïîçèâà÷åì ñòàíîâèëà: 9283,57 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì òà 6151,91 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿì êðåäèòîì, ïîçèâà÷ áóâ çìóøåíèé çâåðíóòèñü ç ïîçîâîì äî ñóäó.</FONT></P>
<P class="ps5"><FONT class="fs142">Â³äïîâ³äíî äî àáç. 2 ÷. 1 ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè &nbsp;ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì êîäåêñîì.</FONT></P>
<P class="ps5"><FONT class="fs141">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps5"><FONT class="fs140">Çã³äíî 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="fs139">Â³äïîâ³äíî äî ÷.1 ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè 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.</FONT></P>
<P class="ps5"><FONT class="fs138">×àñòèíîþ 1 ñò. 1048 Öèâ³ëüíîãî êîäåêñó 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 âñòàíîâëþºòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs137">Âðàõîâóþ÷è òå, ùî ñòàíîì íà äåíü ïðèéíÿòòÿ ð³øåííÿ ó ñïðàâ³ çàáîðãîâàí³ñòü çà êðåäèòîì ó ðîçì³ð³ 9283,57 ãðí. òà 6151,91 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿì êðåäèòîì çàëèøèëàñü íåïîãàøåíîþ, çàçíà÷åíèé ôàêò â³äïîâ³äà÷åì íå ñïðîñòîâàíî, ðîçì³ð çàáîðãîâàíîñò³ â³äïîâ³äàº ôàêòè÷íèì îáñòàâèíàì ñïðàâè, äàíà ïîçîâíà âèìîãà ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps5"><FONT class="fs136">Òàêîæ, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à 2843,90 ãðí. ïåí³.</FONT></P>
<P class="ps5"><FONT class="fs135">Ïóíêòîì 3.2.2.10.1 Óìîâ, ïåðåäáà÷åíî, ùî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³í³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîäè, 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 çàÿâö³ â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps5"><FONT class="fs134">Â³äïîâ³äíî äî ï.6 ñòàòò³ 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps5"><FONT class="fs133">Çã³äíî ç³ ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê &nbsp;ïîâèíåí &nbsp;ïåðåäàòè &nbsp;êðåäèòîðîâ³ &nbsp;ó &nbsp;ðàç³ &nbsp;ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî &nbsp;âèêîíàíîãî &nbsp;ãðîøîâîãî &nbsp;çîáîâ'ÿçàííÿ &nbsp;çà &nbsp;êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. </FONT></P>
<P class="ps5"><FONT class="fs132">Íà ï³äñòàâ³ âêàçàíèõ íîðì ïðàâà òà âðàõîâóþ÷è, ùî ðîçðàõóíîê ïåí³, äîäàíèé äî ïîçîâíî¿ çàÿâè, º â³ðíèì, âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 2843,90 ãðí. ïåí³ ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps5"><FONT class="fs131">Âðàõîâóþ÷è âèùåâèêëàäåíå, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps5"><FONT class="fs130">Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè ïîêëàäàþòüñÿ ñóäîì íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps2"><FONT class="fs129">Êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä - &nbsp;</FONT></P>
<P class="ps11"><FONT class="fs113">âèð³øèâ:</FONT></P>
<P class="ps3"><FONT class="fs128">1. &nbsp;Ïîçîâí³ âèìîãè çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps3"><FONT class="fs126">3. &nbsp;Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P><FONT class="fs180">Äàòà ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ:10.09.2015ð.</FONT></P>
<P class="ps7"><FONT class="fs112">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;          Î.Â. Ùîòê³í</FONT></P>
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