<TITLE>914/2243/15</TITLE>
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<P class="ps7"><FONT class="fs184"> </FONT><FONT class="fs180"><IMG src="herb.gif" height=96 width=72></FONT></P>
<P class="ps4"><FONT class="fs98">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ËÜÂ²ÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps4"><FONT class="fs101">Ð²ØÅÍÍß</FONT></P>
<P class="ps4"><FONT class="fs100">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps4"><FONT class="fs113">          </FONT></P>
<P class="ps2"><FONT class="fs112">           01.09.15                                                                       Ñïðàâà¹ 914/2243/15 </FONT></P>
<P class="ps3"><FONT class="fs111">Çà ïîçîâîì:</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «Ïðèâàòáàíê», ì. Äí³ïðîïåòðîâñüê</P>
<P class="ps3"><FONT class="fs110">äî â³äïîâ³äà÷à:</FONT> Ïðèâàòíîãî ï³äïðèºìñòâà «Àâòîöåíòð-×åðâîíîãðàä», ì.×åðâîíîãðàä, Ëüâ³âñüêà îáëàñòü</P>
<P class="ps3"><FONT class="fs109">ïðî </FONT>ñòÿãíåííÿ &nbsp;19&nbsp; 212 ãðí. 02 êîï.</P>
<P class="ps3"><FONT class="fs108">                                                                                Ñóääÿ &nbsp;Ìàçîâ³òà À.Á.</FONT></P>
<P class="ps3"><FONT class="fs107">                                                                                Ñåêðåòàð Çàëèöàéëî Ì.Ñ.</FONT></P>
<P class="ps3"><FONT class="fs106">Ïðåäñòàâíèêè:</FONT></P>
<P class="ps0">â³ä ïîçèâà÷à: Ãóëêåâè÷ Í.²., ïðåäñòàâíèê (äîâ³ðåí³ñòü ¹3072-Î â³ä 19.09.2012 ð.);</P>
<P class="ps0">â³ä â³äïîâ³äà÷à: íå çÿâèâñÿ</P>
<P class="ps3">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê «Ïðèâàòáàíê», ì.Äí³ïðîïåòðîâñüê çâåðíóëîñÿ äî Ãîñïîäàðñüêîãî ñóäó Ëüâ³âñüêî¿ îáëàñò³ ç ïîçîâîì äî Ïðèâàòíîãî ï³äïðèºìñòâà «Àâòîöåíòð-×åðâîíîãðàä», ì.×åðâîíîãðàä, Ëüâ³âñüêà îáëàñòü ïðî ñòÿãíåííÿ 19&nbsp; 212 ãðí. 02 êîï. </P>
<P class="ps3">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, ñóä âèçíàâ ïðåäñòàâëåí³ ìàòåð³àëè äîñòàòí³ìè äëÿ ïðèéíÿòòÿ ïîçîâíî¿ çàÿâè äî ðîçãëÿäó ³ óõâàëîþ â³ä 09.07.2015ð. ïðèçíà÷èâ ðîçãëÿä ñïðàâè íà 27.07.2015 ð. Óõâàëîþ ñóäó â³ä 27.07.2015 ð. ðîçãëÿä ñïðàâè áóëî â³äêëàäåíî íà 01.09.2015 ð.</P>
<P class="ps3">Ïðåäñòàâíèêó ñòîðîíè ðîçÿñíåíî ïðàâà òà îáîâÿçêè, ïåðåäáà÷åí³ ñò. 22 ÃÏÊ Óêðà¿íè, çàÿâ ïðî â³äâ³ä ñóäó íå ïîñòóïàëî.</P>
<P class="ps3">Â îá´ðóíòóâàííÿ ïîçîâíèõ âèìîã ïîçèâà÷ çàçíà÷èâ, ùî â³äïîâ³äà÷åì áóëî ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ &nbsp;ïîòî÷íîãî ðàõóíêó, â³äïîâ³äíî äî ÿêî¿ â³í ïðèºäíàâñÿ äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã», òàðèô³â áàíêó, ùî ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò, ÿê³ ðàçîì ³ç âèùåâêàçàíîþ çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. Â³äïîâ³äà÷ çîáîâÿçóâàâñÿ ïðîòÿãîì ä³¿ äîãîâîðó ñïëà÷óâàòè ïðîöåíòè çà êîðèñòóâàííÿ êîøòàìè òà ïîâåðíóòè ñóìó êðåäèòó ó âèçíà÷åíèé â äîãîâîð³ ñòðîê. Îäíàê, â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ ùîäî ïîâåðíåííÿ ñóìè êðåäèòó íå âèêîíàâ, ñòàíîì íà äàòó ïîäàííÿ ïîçîâó äî ñóäó çàáîðãîâàí³ñòü çã³äíî ðîçðàõóíêó ñòàíîâèòü 11 400 ãðí. 00 êîï. ïî êðåäèòó, 4 457 ãðí. 00 êîï. ïî ñïëàò³ ïðîöåíò³â, 1 242 ãðí. 39 êîï. ïî ñïëàò³ êîì³ñ³¿. Ó çâÿçêó ³ç íåíàëåæíèì âèêîíàííÿì çîáîâÿçàíü ïî äîãîâîðó â³äïîâ³äà÷ó íàðàõîâàíî ïåíþ â ðîçì³ð³ 2 112 ãðí. 63 êîï. Òàêèì ÷èíîì, çàãàëüíèé ðîçì³ð çàáîðãîâàíîñò³, ÿêèé ï³äëÿãàº äî ñòÿãíåííÿ ç â³äïîâ³äà÷à, ñòàíîâèòü 19&nbsp; 212 ãðí. 02 êîï.</P>
<P class="ps3">Â³äïîâ³äà÷ â ñóäîâå çàñ³äàííÿ ÿâêó ïðåäñòàâíèêà íå çàáåçïå÷èâ, ïðîòè ïîçîâó íå çàïåðå÷èâ, äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ íå íàäàâ, âèìîã óõâàëè ñóäó â³ä 09.07.2015 ð. íå âèêîíàâ, ïîâ³äîìëåííÿ ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè íàäñèëàëèñÿ íà àäðåñó, âêàçàíó ïîçîâí³é çàÿâ³ òà â ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, ùî çã³äíî ñò. 64 ÃÏÊ Óêðà¿íè º âðó÷åííÿì íàëåæíèì ÷èíîì.</P>
<P class="ps3">Ó â³äïîâ³äíîñò³ äî ï. 3.9.1. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011 ð. ¹ 18 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿» çà çì³ñòîì çàçíà÷åíî¿ ñòàòò³ 64 ÃÏÊ, 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.</P>
<P class="ps3">Â³äïîâ³äíî äî âèìîã ñò. 75 ÃÏÊ Óêðà¿íè, ÿêùî â³äçèâ íà ïîçîâíó çàÿâó ³ âèòðåáóâàí³ ãîñïîäàðñüêèì ñóäîì äîêóìåíòè íå ïîäàíî, ñïðàâó ìîæå áóòè ðîçãëÿíóòî çà íàÿâíèìè â í³é ìàòåð³àëàìè. Ïðîàíàë³çóâàâøè ç³áðàí³ ïî ñïðàâ³ äîêàçè, ñóä ä³éøîâ âèñíîâêó ïðî äîñòàòí³ñòü ìàòåð³àë³â ñïðàâè äëÿ ¿¿ ðîçãëÿäó ïî ñóò³ çà â³äñóòíîñò³ ïðåäñòàâíèêà â³äïîâ³äà÷à òà éîãî â³äçèâó íà ïîçîâíó çàÿâó.</P>
<P class="ps3">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, çàñëóõàâøè ïîÿñíåííÿ ïðåäñòàâíèêà ñòîðîíè, ñóä âñòàíîâèâ íàñòóïíå.</P>
<P class="ps3">Çã³äíî ï. 3.2.1.1.16. óìîâ - 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.</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.</P>
<P class="ps3">Çã³äíî ç ï. 3.2.1.1.3. óìîâ êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps3">Ïóíêòîì 3.2.1.1.8. óìîâ ïåðåäáà÷åíî, ùî 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).</P>
<P class="ps3">Â ï. 3.2.1.1.6. óìîâ âñòàíîâëåíî, ùî ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â ïà 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, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.4 óìîâ, 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 îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³ «ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ»), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps3">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 ï³äòÿãàëî îáíóëåííþ, 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 îáíóëåííþ.</P>
<P class="ps3">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. 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 íà äàòó ñïëàòè.</P>
<P class="ps3">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ 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. &nbsp;</P>
<P class="ps3">Íà âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì ïîçèâà÷ íàäàâ â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò â ðîçì³ð³ &nbsp;16 000 ãðí. 00 êîï. &nbsp;Ïðîòå, â ïîðóøåííÿ äîãîâ³ðíèõ çîáîâÿçàíü â³äïîâ³äà÷ íå ïîâåðíóâ 11 400 ãðí. 00 êîï. êðåäèòíèõ êîøò³â. Çàçíà÷åíå ï³äòâåðäæóºòüñÿ âèïèñêàìè ç áàíê³âñüêîãî ðàõóíêó.</P>
<P class="ps3">Òàêîæ çà â³äïîâ³äà÷åì îáë³êîâóºòüñÿ çàáîðãîâàí³ñòü çà ïðîöåíòàìè íà ñóìó 4 457 ãðí. 00 êîï. òà 1 242 ãðí. 39 êîï. - çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿì êðåäèòîì. </P>
<P class="ps3">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, ïîÿñíåíü ïðåäñòàâíèêà ïîçèâà÷à, â³äïîâ³äà÷ ñâî¿ çîáîâÿçàííÿ ïåðåä ïîçèâà÷åì ùîäî ïîâåðíåííÿ ñóìè êðåäèòó, ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè íå âèêîíàâ, çã³äíî äîëó÷åíîãî äî ïîçîâíî¿ çàÿâè ðîçðàõóíêó çàáîðãîâàí³ñòü â³äïîâ³äà÷à ïåðåä ïîçèâà÷åì íà äàòó ðîçãëÿäó ñïðàâè â ñóä³ ñòàíîâèòü 11 400 ãðí. 00 êîï. ïî êðåäèòó, 4 457 ãðí. 00 êîï. ïî ñïëàò³ ïðîöåíò³â, 1 242 ãðí. 39 êîï. ïî ñïëàò³ êîì³ñ³¿.</P>
<P class="ps3">Çã³äíî ñò. 509 ÖÊ Óêðà¿íè, çîáîâÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâÿçêó. Â³äïîâ³äíî äî ñò. 11 ÖÊ Óêðà¿íè, îäí³ºþ ç ï³äñòàâ âèíèêíåííÿ çîáîâÿçàíü, º, çîêðåìà, äîãîâîðè òà ³íø³ ïðàâî÷èíè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 626 ÖÊ Óêðà¿íè, äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâÿçê³â.</P>
<P class="ps3">Çã³äíî ÷. 1 ñò. 207 ÖÊ Óêðà¿íè ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî éîãî çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâÿçêó.</P>
<P class="ps3">×àñòèíàìè 1, 3 ñòàòò³ 181 ÃÊ Óêðà¿íè âèçíà÷åíî, ùî 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">×àñòèíîþ 1 ñò. 1054 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî 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.</P>
<P class="ps3">Ñòàòòåþ 1048 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 530 ÖÊ Óêðà¿íè, ÿêùî ó çîáîâÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps3">Ñòàòòÿ 599 ÖÊ Óêðà¿íè âêàçóº íà òå, ùî çîáîâÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì &nbsp;íàëåæíèì ÷èíîì.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 526 ÖÊ Óêðà¿íè, çîáîâÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ âèìîã - â³äïîâ³äíî äî çâè÷à¿â &nbsp;ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ. Àíàëîã³÷í³ âèìîãè âñòàíîâëåí³ ñò. 193 ÃÊ Óêðà¿íè.</P>
<P class="ps3">Çã³äíî 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">×àñòèíîþ 1 ñò. 612 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî áîðæíèê ââàæàºòüñÿ òàêèì, ùî ïðîñòðî÷èâ, ÿêùî â³í íå ïðèñòóïèâ äî âèêîíàííÿ çîáîâÿçàííÿ àáî íå âèêîíàâ éîãî ó ñòðîê, âñòàíîâëåíèé äîãîâîðîì àáî çàêîíîì. &nbsp;&nbsp;</P>
<P class="ps3">Çã³äíî ÷. 1 ñò. 625 ÖÊ Óêðà¿íè, áîðæíèê íå çâ³ëüíÿºòüñÿ â³ä â³äïîâ³äàëüíîñò³ çà íåìîæëèâ³ñòü âèêîíàííÿ íèì ãðîøîâîãî çîáîâÿçàííÿ.</P>
<P class="ps3">Çà òàêèõ îáñòàâèí, ñóä ä³éøîâ âèñíîâêó ïðî ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâÿçàííÿ, ùî â ñâîþ ÷åðãó º ï³äñòàâîþ äëÿ ñòÿãíåííÿ ñóìè áîðãó, îñê³ëüêè, â³äïîâ³äíî äî ÷. 7 ñò. 193 ÃÊ Óêðà¿íè, îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ äîãîâîðó íå äîïóñêàºòüñÿ.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷. 1 ñò. 230 ÃÊ Óêðà¿íè, øòðàôíèìè ñàíêö³ÿìè 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">×àñòèíîþ 4 ñò. 231 ÃÊ Óêðà¿íè âñòàíîâëåíî, ùî ó ðàç³, ÿêùî ðîçì³ð øòðàôíèõ ñàíêö³é çàêîíîì íå âèçíà÷åíî, ñàíêö³¿ çàñòîñîâóþòüñÿ â ðîçì³ð³, ïåðåäáà÷åíîìó äîãîâîðîì.</P>
<P class="ps3">Â³äïîâ³äíî äî ï. 3.2.1.5.1 óìîâ ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ óìîâàìè 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÷åíî¿ 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 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.</P>
<P class="ps3">Â³äïîâ³äíî äî 3.2.1.5.4 óìîâ &nbsp;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">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 ïàïåðîâ³é 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.</P>
<P class="ps3">Ç âðàõóâàííÿì öèõ ïîëîæåíü, ïîçèâà÷åì ïðàâîì³ðíî íàðàõîâàíî òà çàÿâëåíî äî ñòÿãíåííÿ ïåíþ ó ðîçì³ð³ 2 112 ãðí. 63 êîï.</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 ³ çàïåðå÷åíü.</P>
<P class="ps3">Çã³äíî ñò. 34 ÃÏÊ Óêðà¿íè, ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè.</P>
<P class="ps3">Â³äïîâ³äíî äî ñò. 43 ÃÏÊ Óêðà¿íè, ñóä îö³íþº äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ âñ³õ îáñòàâèí ñïðàâè. Í³ÿê³ äîêàçè íå ìàþòü äëÿ ñóäó çàçäàëåã³äü âñòàíîâëåíî¿ ñèëè.</P>
<P class="ps3">Îñê³ëüêè ñï³ð âèíèê ç âèíè â³äïîâ³äà÷à, ñóäîâ³ âèòðàòè ïî ðîçãëÿäó ñïðàâè â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè íåîáõ³äíî ïîêëàñòè íà â³äïîâ³äà÷à.</P>
<P class="ps3">Ç îãëÿäó íà âèêëàäåíå, êåðóþ÷èñü ñò.ñò. 11, 509, 526, 530, 599, 610, 612, 625, 626, 1048, 1054 ÖÊ Óêðà¿íè, ñò. 193, 230, 231, 232 ÃÊ Óêðà¿íè òà ñò.ñò. 4, 33, 34, 35, 44, 49, 75, 80, 82, 83, 84, 85, 115, 116 ÃÏÊ Óêðà¿íè, ñóä </P>
<P class="ps5"><FONT class="fs105">Â È Ð ² Ø È Â:</FONT></P>
<P class="ps3">1.          Ïîçîâ çàäîâîëèòè.</P>
<P class="ps3">2.          Ñòÿãíóòè ç Ïðèâàòíîãî ï³äïðèºìñòâà «Àâòîöåíòð-×åðâîíîãðàä», ì.×åðâîíîãðàä, âóë. Õìåëüíèöüêîãî, áóä. 61, Ëüâ³âñüêà îáëàñòü (³äåíòèô³êàö³éíèé êîä 37197594) íà êîðèñòü Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «Ïðèâàòáàíê», ì. Äí³ïðîïåòðîâñüê, âóë.Íàáåðåæíà Ïåðåìîãè, 50 (³äåíòèô³êàö³éíèé êîä 14360570) 11 400 ãðí. 00êîï. çàáîðãîâàíîñò³ ïî êðåäèòó, 4 457 ãðí. 00 êîï. çàáîðãîâàíîñò³ ïî ñïëàò³ ïðîöåíò³â, 1 242 ãðí. 39 êîï. çàáîðãîâàíîñò³ ïî ñïëàò³ êîì³ñ³¿, 2 112 ãðí. 63 êîï. ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ äîãîâ³ðíèõ çîáîâÿçàíü, 1 827 ãðí. 00 êîï. ñóäîâîãî çáîðó.</P>
<P class="ps3">3.          Íàêàç âèäàòè çã³äíî ñò. 116 ÃÏÊ Óêðà¿íè.</P>
<P class="ps3">Â ñóäîâîìó çàñ³äàíí³ 01.09.2015 ð. îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ. Ïîâíå ð³øåííÿ ñêëàäåíî 07.09.2015 ð.<FONT class="fs104"> </FONT></P>
<P><FONT class="fs103">          Ñóääÿ &nbsp;&nbsp;                                                                                Ìàçîâ³òà À.Á. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P>