<TITLE>911/2956/15</TITLE>
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<P class="ps13"><FONT class="fs207"> </FONT><FONT class="fs205"><IMG src="herb.gif" height=58 width=44></FONT></P>
<P class="ps8"><FONT class="fs116">ÃÎÑÏÎÄÀÐÑÜÊÈÉ &nbsp;ÑÓÄ</FONT></P>
<P class="ps8"><FONT class="fs121">Êè¿âñüêî¿ îáëàñò³</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps6"><FONT class="fs123"> &nbsp;</FONT></P>
<P class="ps7"><FONT class="fs119">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps7"><FONT class="fs118">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps7">"31" ñåðïíÿ 2015 ð.<FONT class="fs135">                                                             &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 911/2956/15 &nbsp;</FONT></P>
<P><FONT class="fs199">          </FONT></P>
<P class="ps2"><FONT class="fs134">çà ïîçîâîì</FONT><FONT class="fs196"> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê», ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P class="ps2"><FONT class="fs133">äî</FONT><FONT class="fs195"> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Êàáî ²íâåñò», Áðîâàðñüêèé ð-í, ñ. Ìîêðåöü</FONT></P>
<P class="ps4"><FONT class="fs131">Ñóääÿ Ùîòê³í Î.Â.</FONT></P>
<P class="ps2"><FONT class="fs130">çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
<P class="ps2"><FONT class="fs129">ïîçèâà÷</FONT><FONT class="fs193">  Í³êåðê³í Ì.Â. ïðåäñò. äîâ. ¹2835-Ê-Î â³ä 05.08.2014; &nbsp;</FONT></P>
<P class="ps2"><FONT class="fs128">â³äïîâ³äà÷</FONT><FONT class="fs192"> &nbsp; íå çÿâèâñÿ. </FONT></P>
<P class="ps5"><FONT class="fs198">âñòàíîâèâ:</FONT></P>
<P class="ps3"><FONT class="fs190">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 13.07.2015 ó ñïðàâ³ ¹911/2956/15 ïîðóøåíî ïðîâàäæåííÿ òà ïðèçíà÷åíî äî ðîçãëÿäó íà 31.08.2015.</FONT></P>
<P class="ps3"><FONT class="fs189">11.08.2015 ðîêó ÷åðåç êàíöåëÿð³þ ñóäó ïîçèâà÷ ïîäàâ ïèñüìîâ³ ïîÿñíåííÿ, ÿê³ áóëè çàëó÷åí³ ñóäîì äî ìàòåð³àë³â ñïðàâè.</FONT></P>
<P class="ps3"><FONT class="fs188">Â³äïîâ³äà÷ â ñóäîâå çàñ³äàííÿ 31.08.2015 ðîêó íå çàáåçïå÷èâ ÿâêó ñâîãî ïîâíîâàæíîãî ïðåäñòàâíèêà, ïèñüìîâîãî â³äçèâó íà ïîçîâ òà ³íøèõ äîêóìåíò³â, âèòðåáóâàíèõ óõâàëîþ ñóäó, íå ïîäàâ.</FONT></P>
<P class="ps3"><FONT class="fs187">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="ps3"><FONT class="fs186">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="ps3"><FONT class="fs185">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="ps3"><FONT class="fs184">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="ps3"><FONT class="fs183">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, óõâàëà ñóäó íàäñèëàëàñü 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="ps3"><FONT class="fs182">Âðàõîâóþ÷è, ùî íåÿâêà â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ íå ïåðåøêîäæàº ðîçãëÿäó ñïîðó ïî ñóò³, 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="ps3"><FONT class="fs181">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="ps3"><FONT class="fs180">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="ps3"><FONT class="fs179">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="ps3"><FONT class="fs178">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ïîçèâà÷à, äîñë³äèâøè äîêàçè òà îö³íèâøè ¿õ â ñóêóïíîñò³, ñóä, -</FONT></P>
<P class="ps9"><FONT class="fs127">âñòàíîâèâ:</FONT></P>
<P class="ps3"><FONT class="fs177">06.02.2013 ðîêó Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Êàáî ²íâåñò» (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="ps3"><FONT class="fs174">Â³äïîâ³äíî äî 3.2.1.1.16. Óìîâ ïåðåäáà÷åíî, ùî ïðè óêëàäàíí³ 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/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ 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.</FONT></P>
<P class="ps3"><FONT class="fs173">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.</FONT></P>
<P class="ps3"><FONT class="fs172">Ó â³äïîâ³äíîñò³ ç ÷. 2. ñò. 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ñòîðîíè äîìîâèëèñü 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.</FONT></P>
<P class="ps3"><FONT class="fs171">Òàêèì ÷èíîì, ãîñïîäàðñüêèé ñóä ä³éøîâ âèñíîâêó, ùî çàÿâîþ ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã â³äïîâ³äà÷ ïðèºäíàâñÿ ³ çîáîâ'ÿçàâñÿ âèêîíóâàòè óìîâè, âèêëàäåí³ â Óìîâàõ òà ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàõ ÏðèâàòÁàíêó - äîãîâîð³ áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó.</FONT></P>
<P class="ps3"><FONT class="fs170">Àíàëîã³÷íà ïðàâîâà ïîçèö³ÿ âèêëàäåíà ó ïîñòàíîâ³ Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 20.08.2013 ð. ó ñïðàâ³ ¹ 15/5007/1293/12.</FONT></P>
<P class="ps3"><FONT class="fs169">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. Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó âèíèêàº äåáåòîâå ñàëüäî.</FONT></P>
<P class="ps3"><FONT class="fs168">Çã³äíî ç ï. 3.2.1.1.3. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps3"><FONT class="fs167">Â³äïîâ³äíî äî 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»).</FONT></P>
<P class="ps3"><FONT class="fs166">Â³äïîâ³äíî äî ðîçä³ëó Óìîâ 3.2.1.4., ÿêèì çàòâåðäæåíèé ïîðÿäîê ðîçðàõóíê³â, 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).</FONT></P>
<P class="ps3"><FONT class="fs165">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ 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.</FONT></P>
<P class="ps3"><FONT class="fs164">Ïðè íå îáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, Êë³ºíò âèïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24 ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps3"><FONT class="fs163">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. </FONT></P>
<P class="ps3"><FONT class="fs162">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.</FONT></P>
<P class="ps3"><FONT class="fs161">Ï³ä íåïîãàøåííÿì êðåäèòó ìàºòüñÿ íà óâàç³ íå âèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps3"><FONT class="fs160">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.</FONT></P>
<P class="ps3"><FONT class="fs159">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</FONT></P>
<P class="ps3"><FONT class="fs158">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. Óìîâ, &nbsp;Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ òà âèìàãàòè â³ä Êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps3"><FONT class="fs157">Ïóíêòîì 3.2.1.6.1. Óìîâ çàçíà÷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 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 ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³) òà/àáî ç ìîìåíòó íàäàííÿ Êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ êîøò³â ó ðàìêàõ êðåäèòíî¿ Ë³ì³òó â ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, ³ ä³º â îáñÿç³ ïåðåðàõîâàíèõ çàñîá³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè.</FONT></P>
<P class="ps3"><FONT class="fs156">ßê ñòâåðäæóº ïîçèâà÷, â³í ñâî¿ çîáîâ'ÿçàííÿ çà Äîãîâîðîì âèêîíàâ â ïîâíîìó îáñÿç³, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 50 000, 00 ãðí., ùî ï³äòâåðäæóºòüñÿ âèïèñêîþ ïî ðàõóíêó, îäíàê, â³äïîâ³äà÷ ñâîº÷àñíî òà â ïîâíîìó îáñÿç³ ñâî¿ çîáîâÿçàííÿ ïî ïîâåðíåííþ êðåäèòó íå âèêîíàâ, ó çâÿçêó ç ÷èì, çà íèì óòâîðèëàñü çàáîðãîâàí³ñòü, ÿêà ñêëàäàºòüñÿ ç: 11&nbsp; 942,18 ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 10&nbsp; 965,58 ãðí. çàáîðãîâàíîñò³ çà ïðîöåíòàìè òà 2364,56 ãðí. êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps3"><FONT class="fs154">Âêàçàíà ïðåòåíç³ÿ áóëà çàëèøåíà â³äïîâ³äà÷åì áåç â³äïîâ³ä³ òà çàäîâîëåííÿ, ó çâÿçêó ç ÷èì ïîçèâà÷ áóâ çìóøåíèé çâåðíóòèñü ç ïîçîâîì äî ñóäó.</FONT></P>
<P class="ps3"><FONT class="fs153">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="ps3"><FONT class="fs152">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="ps3"><FONT class="fs151">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="ps3"><FONT class="fs150">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="ps3"><FONT class="fs149">×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="ps3"><FONT class="fs148">Âðàõîâóþ÷è òå, ùî ñòàíîì íà äåíü ïðèéíÿòòÿ ð³øåííÿ ó ñïðàâ³ çàáîðãîâàí³ñòü çà êðåäèòîì ó ðîçì³ð³ 11&nbsp; 942,18 ãðí., 10&nbsp; 965,58 ãðí. çàáîðãîâàíîñò³ çà ïðîöåíòàìè òà 2364,56 ãðí. êîì³ñ³¿ çà êîðèñòóâàííÿ 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="ps3"><FONT class="fs147">Òàêîæ, ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à 9728,00 ãðí. ïåí³.</FONT></P>
<P class="ps3"><FONT class="fs146">Ïóíêòîì 3.2.1.5.1 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 ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps3"><FONT class="fs145">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, 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 3 &nbsp;ðîê³â ç äíÿ, êîëè â³äïîâ³äíà çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</FONT></P>
<P class="ps3"><FONT class="fs144">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="ps3"><FONT class="fs143">Íà ï³äñòàâ³ âêàçàíèõ íîðì ïðàâà òà âðàõîâóþ÷è, ùî ðîçðàõóíîê ïåí³, äîäàíèé äî ïîçîâíî¿ çàÿâè, º â³ðíèì, âèìîãè ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 9728,00 ãðí. ïåí³ ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps3"><FONT class="fs142">Âðàõîâóþ÷è âèùåâèêëàäåíå, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps3"><FONT class="fs141">Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè ïîêëàäàþòüñÿ ñóäîì íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps0"><FONT class="fs140">Êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä - &nbsp;</FONT></P>
<P class="ps9"><FONT class="fs126">âèð³øèâ:</FONT></P>
<P class="ps1"><FONT class="fs139">1. &nbsp;Ïîçîâí³ âèìîãè çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps1"><FONT class="fs137">3. &nbsp;Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P class="ps11"><FONT class="fs203">Äàòà ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ: 10.09.2015ð.</FONT></P>
<P class="ps5"><FONT class="fs125">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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