<TITLE>913/798/15</TITLE>
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<P> &nbsp;&nbsp;&nbsp;</P>
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<TR><TD width="100 %" class="tds1"><P class="ps24"><FONT class="fs233"><IMG src="herb.gif" height=72 width=54></FONT></P></TD></TR>
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<P class="ps15"><FONT class="fs122">ÓÕÂÀËÀ</FONT></P>
<P class="ps12"><FONT class="fs220">                    </FONT></P>
<P><FONT class="fs223"> 28 âåðåñíÿ 2015 ðîêó</FONT><FONT class="fs154">                                                   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 913/798/15</FONT></P>
<P><FONT class="fs222">                                                                                Ïðîâàäæåííÿ ¹17/913/798/15</FONT></P>
<P class="ps3"><FONT class="fs217">          Ñóääÿ </FONT><FONT class="fs153">Ôîíîâà Î.Ñ.</FONT><FONT class="fs216">, ðîçãëÿíóâøè ìàòåð³àëè ïîçîâíî¿ çàÿâè </FONT><FONT class="fs152">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "Ïðèâàòáàíê"</FONT><FONT class="fs215">, ì. Äí³ïðîïåòðîâñüê</FONT></P>
<P><FONT class="fs214">äî </FONT><FONT class="fs151">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÒÄ Âîñòî÷í³ ðåñóðñè,</FONT><FONT class="fs213"> ì. Ëóãàíñüê</FONT></P>
<P class="ps3"><FONT class="fs148">Ó çàñ³äàíí³ áðàëè ó÷àñòü:</FONT></P>
<P class="ps3"><FONT class="fs210">â³ä ïîçèâà÷à: ïðåäñòàâíèê íå ïðèáóâ;</FONT></P>
<P class="ps3"><FONT class="fs209">â³ä â³äïîâ³äà÷à: ïðåäñòàâíèê íå ïðèáóâ.</FONT></P>
<P class="ps12"><FONT class="fs146">âñòàíîâèâ:</FONT></P>
<P class="ps3"><FONT class="fs145">          </FONT><FONT class="fs206">Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ ÒÄ Âîñòî÷í³ ðåñóðñè (äàë³  â³äïîâ³äà÷) 28.03.2011 ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</FONT></P>
<P class="ps5"><FONT class="fs219"> </FONT><FONT class="fs205">Â çàÿâ³ çàçíà÷åíî, ùî ï³äïèñàâøè ¿¿, â³äïîâ³äà÷ çãîäíèé ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, â òîìó ÷èñë³ ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ ïî Ðîçðàõóíêîâèì êàðòêàì, ðîçòàøîâàíèì íà ñàéò³ áàíêó, òàðèôàìè áàíêó, ÿê³ ðàçîì ç ö³ºþ çàÿâîþ òà êàðòêàìè ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêîì ïå÷àòêè ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps5"><FONT class="fs204">Â³äïîâ³äíî äî Ðîçä³ëó 1 Çàãàëüíèõ ïîëîæåíü Óìîâ òà Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ ïîçèâà÷à, ùî ä³º íà ï³äñòàâ³ Ë³öåíç³¿ ÍÁÓ ¹ 22 â³ä 05.10.2011, êåðóþ÷èñü çàêîíîäàâñòâîì Óêðà¿íè, â³í ïóáë³÷íî ïðîïîíóº íåâèçíà÷åíîìó êîëó îñ³á ìîæëèâ³ñòü îòðèìàííÿ áàíê³âñüêèõ ïîñëóã, äëÿ ÷îãî ïóáë³êóº Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã (äàë³ - Óìîâè òà Ïðàâèëà).</FONT></P>
<P class="ps5"><FONT class="fs203">Ïðàâèëà òà Óìîâè º ïóáë³÷íîþ îôåðòîþ, ùî ì³ñòÿòü óìîâè òà ïðàâèëà íàäàííÿ ïîñëóã áàíêîì éîãî êë³ºíòàì. </FONT></P>
<P class="ps0"><FONT class="fs202">Ï³äïèñàâøè çàÿâó, Áàíê òà êë³ºíò ïðèºäíóþòüñÿ ³ çîáîâÿçóþòüñÿ âèêîíóâàòè óìîâè, âèêëàäåí³ â Óìîâàõ òà Ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàõ áàíêó - Äîãîâîð³ áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó. Â³äíîñèíè ì³æ áàíêîì òà êë³ºíòîì ìîæóòü âèð³øóâàòèñÿ ÿê øëÿõîì ï³äïèñàííÿ îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä äî öüîãî Äîãîâîðó, òàê ³ øëÿõîì îáì³íó ³íôîðìàö³ºþ/óçãîäæåííÿ ïî ïèòàííÿì áàíê³âñüêîãî îáñëóãîâóâàííÿ ç êë³ºíòîì ÷åðåç web-ñàéò áàíêó.</FONT></P>
<P class="ps5"><FONT class="fs200">Ó çàÿâ³ â³äïîâ³äà÷à ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó â³ä 28.03.2011 º çàñòåðåæåííÿ, â ÿêîìó çàçíà÷åíî, ùî â ðàç³ â³äñóòíîñò³ àáî íåäîñòà÷³ êîøò³â íà ðàõóíêó êë³ºíòà (â ðàç³ ïåðåâèùåííÿ ñóìè ïëàòåæó íàä çàëèøêîì âëàñíèõ êîøò³â) áàíê ìîæå âñòàíîâèòè êë³ºíòó íà ðàõóíîê êðåäèòíèé ë³ì³ò.</FONT></P>
<P class="ps5"><FONT class="fs199">Áàíê ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòó íà ñâ³é ðîçñóä àáî ó ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà. Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð ïðîöåíòíî¿ ñòàâêè çà âèêîðèñòàííÿ êðåäèòíîãî ë³ì³òó ðåãëàìåíòóºòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà Òàðèôàìè áàíêó, ÿê³ ðîçì³ùåí³ íà ñàéò³ www.privatbank.ua. </FONT></P>
<P class="ps5"><FONT class="fs198">ßê çàçíà÷åíî ó &nbsp;ï. 1.5 ²íñòðóêö³¿ ïðî ïîðÿäîê â³äêðèòòÿ, âèêîðèñòàííÿ ³ çàêðèòòÿ ðàõóíê³â ó íàö³îíàëüí³é òà ³íîçåìíèõ âàëþòàõ, çàòâåðäæåíîþ ïîñòàíîâîþ Ïðàâë³ííÿ Íàö³îíàëüíîãî áàíêó Óêðà¿íè ¹492 â³ä 12.11.2003, çàðåºñòðîâàíîþ ó Ì³í³ñòåðñòâ³ þñòèö³¿ Óêðà¿íè 17.12.2003 çà ¹1172/8493, (äàë³ - ²íñòðóêö³ÿ) óìîâè â³äêðèòòÿ ðàõóíêó òà îñîáëèâîñò³ éîãî ôóíêö³îíóâàííÿ ïåðåäáà÷àþòüñÿ â äîãîâîð³, ùî óêëàäàºòüñÿ ì³æ áàíêîì ³ éîãî êë³ºíòîì, ³ íå ïîâèíí³ ñóïåðå÷èòè âèìîãàì ö³º¿ ²íñòðóêö³¿.</FONT></P>
<P class="ps5"><FONT class="fs197">Â³äïîâ³äíî äî ïóíêòó 1.6 ²íñòðóêö³¿, ïîðÿäîê ïðîâåäåííÿ îïåðàö³é çà ðàõóíêàìè êë³ºíò³â, â³äêðèòèõ ó íàö³îíàëüí³é òà ³íîçåìíèõ âàëþòàõ, ðåãóëþºòüñÿ çàêîíîäàâñòâîì Óêðà¿íè, ó òîìó ÷èñë³ íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó Óêðà¿íè. Îïåðàö³¿ çà ðàõóíêàìè çä³éñíþþòüñÿ çà äîïîìîãîþ ïëàò³æíèõ ³íñòðóìåíò³â çà ôîðìàìè, óñòàíîâëåíèìè áàíê³âñüêèìè ïðàâèëàìè (íîðìàòèâíî-ïðàâîâèìè àêòàìè Íàö³îíàëüíîãî áàíêó, âíóòð³øí³ìè ïîëîæåííÿìè áàíêó òîùî).</FONT></P>
<P class="ps5"><FONT class="fs196">Òàê, óìîâè íàäàííÿ, âèêîðèñòàííÿ òà îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, à òàêîæ áóäü-ÿê³ îïåðàö³¿ ç íèì, âèçíà÷åí³ â ðîçä³ë³ 3.2.1 Óìîâ òà Ïðàâèë.</FONT></P>
<P class="ps5"><FONT class="fs195">Ïóíêò 3.2.1.1.1 Óìîâ òà Ïðàâèë âèçíà÷àº, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòó, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòó, ùî çä³éñíþºòüñÿ øëÿõîì ïðîâåäåííÿ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáàòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî. </FONT></P>
<P class="ps5"><FONT class="fs194">Â³äïîâ³äíî äî ï. 3.2.1.1.5 Óìîâ òà Ïðàâèë, </FONT><FONT class="fs126">êðåäèòíèì ë³ì³òîì</FONT><FONT class="fs193"> º ñóìà ãðîøîâèõ êîøò³â, â ìåæàõ ÿêî¿ áàíê çä³éñíþº îïëàòó ðîçðàõóíêîâèõ äîêóìåíò³â êë³ºíòà ïîíàä çàëèøîê ãðîøîâèõ êîøò³â íà éîãî ïîòî÷íîìó ðàõóíêó. Ë³ì³ò ðîçðàõîâóºòüñÿ â³äïîâ³äíî äî çàòâåðäæåíî¿ âíóòð³øíüîáàíê³âñüêî¿ ìåòîäèêîþ íà ï³äñòàâ³ äàíèõ ïðî ðóõ ãðîøîâèõ êîøò³â ïî ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³, êðåäèòíî¿ ³ñòîð³¿ òà ³íøèõ ïîêàçíèê³â â³äïîâ³äíî äî âíóòð³øíüîáàíê³âñüêèõ íîðìàòèâ³â òà íîðìàòèâ³â Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs192">Çã³äíî ï. 3.2.1.1.6 Óìîâ òà Ïðàâèë, ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, âèçíà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè äîêóìåíòàìè áàíêó. Ï³äïèñàâøè óãîäó, êë³ºíò âèñëîâëþº ñâîº çãîäó íà òå, ùî çì³íà ë³ì³òó çä³éñíþºòüñÿ áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòó íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ²íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps5"><FONT class="fs191">ßê çàçíà÷åíî ó ï. 3.2.1.6.1 Óìîâ òà Ïðàâèë, îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, íàáèðàº ÷èííîñò³&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ç ìîìåíòó íàäàííÿ êë³ºíòîì ðîçðàõóíêîâèõ äîêóìåíò³â íà âèêîðèñòàííÿ ë³ì³òó ó ìåæàõ çàçíà÷åíèõ ó íèõ ñóì, òà ä³º â îáñÿç³ ïåðåðàõîâàíèõ êîøò³â äî ïîâíîãî âèêîíàííÿ çîáîâ'ÿçàíü ñòîðîíàìè. </FONT></P>
<P class="ps5"><FONT class="fs189">Â³äïîâ³äíî äî ï. 3.2.1.4.1 Óìîâ òà Ïðàâèë, 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 ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éíà â³äñîòêîâà ñòàâêà).</FONT></P>
<P class="ps5"><FONT class="fs188">Ïóíêòîì 3.2.1.4.1.1 Óìîâ òà Ïðàâèë âñòàíîâëåíî ïîðÿäîê ðîçðàõóíêó â³äñîòê³â, à ñàìå: çà ïåð³îä âèêîðèñòàííÿ êðåäèòó ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25 ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³, 0 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. </FONT></P>
<P class="ps5"><FONT class="fs187"> Çã³äíî ï. 3.2.1.4.1.2 Óìîâ òà Ïðàâèë, ó âèïàäêó íåîáíóëþâàííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëþâàííþ, íà ïðîòÿç³ 90 äí³â ç ê³íöåâî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ, Êë³ºíò ñïëà÷óº Áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36 (òðèäöÿòü ø³ñòü) % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ.</FONT></P>
<P class="ps5"><FONT class="fs186">Â³äïîâ³äíî äî &nbsp;ï. 3.2.1.4.1.3 Óìîâ òà Ïðàâèë, ó ðàç³ íåïîãàøåííÿ êðåäèòó âïðîäîâæ 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü 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 òåðì³íó ïîâåðíåííÿ êðåäèòó Êë³ºíò ñïëà÷óº Áàíêó ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü. </FONT></P>
<P class="ps5"><FONT class="fs185">Çã³äíî ç ï. 3.2.1.4.1.4 Óìîâ òà Ïðàâèë, ï³ä "íåïîãàøåííÿì êðåäèòó" ìàºòüñÿ íà óâàç³ íåâèíèêíåííÿ íà ïîòî÷íîìó ðàõóíêó íóëüîâîãî äåáåòîâîãî ñàëüäî ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ.</FONT></P>
<P class="ps5"><FONT class="fs184">Ïóíêòîì 3.2.1.4.9 Óìîâ òà Ïðàâèë âñòàíîâëåíî, ùî &nbsp;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="ps5"><FONT class="fs183">Ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ êðåäèòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó â³äïîâ³äà÷à íå áóëî çàô³êñîâàíî, à òîìó â³äïîâ³äíî ç ï.3.2.1.4.1.3 Óìîâ òà Ïðàâèë ç 19.05.2012 êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì. </FONT></P>
<P class="ps5"><FONT class="fs182">Â ïîðóøåííÿ óìîâ äîãîâîðó â³äïîâ³äà÷åì íå âèêîíóâàëèñÿ âçÿò³ íà ñåáå çîáîâÿçàííÿ ùîäî ïîãàøåííÿ êðåäèòó òà ñïëàòè â³äñîòê³â.</FONT></P>
<P class="ps4"><FONT class="fs180">Çà òàêèõ îáñòàâèí, ïîçèâà÷ çâåðíóâñÿ äî ãîñïîäàðñüêîãî ñóäó Ëóãàíñüêî¿ îáëàñò³ ç äàíèì ïîçîâîì. &nbsp;</FONT></P>
<P class="ps19"><FONT class="fs179">Âîäíî÷àñ, â ïîçîâ³ âçàãàë³ â³äñóòíº íîðìàòèâíå îá´ðóíòóâàííÿ òà ïîñèëàííÿ íà ïðîñòðî÷åííÿ îïëàòè ç êîì³ñ³¿, ñòÿãíóòè ÿêó â ñóì³ 1910,88 ãðí. ïðîñèòü ïîçèâà÷. Öå º íåäîë³êîì ïîçîâó, ÿêèé ñë³ä óñóíóòè. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs178">Çâàæàþ÷è íà íåïðèáóòòÿ ïðåäñòàâíèê³â ñòîð³í ó ñóäîâå çàñ³äàííÿ &nbsp;28.09.2015 òà íåíàäàííÿ âèòðåáóâàíèõ äîêóìåíò³â, ðîçãëÿíóòè ñï³ð ïî ñóò³ â äàíîìó ñóäîâîìó çàñ³äàíí³ íå ìàº ìîæëèâîñò³, òîìó ðîçãëÿä ñïðàâè ñë³ä â³äêëàñòè.</FONT></P>
<P class="ps2"><FONT class="fs177">           &nbsp;</FONT></P>
<P class="ps1"><FONT class="fs176">           &nbsp;&nbsp;Êåðóþ÷èñü ñò.ñò. 77, 86 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä &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;</FONT></P>
<P class="ps16"><FONT class="fs144"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps16"><FONT class="fs143"> ó õ â à ë è â:</FONT></P>
<P class="ps8"><FONT class="fs142">1.</FONT><FONT class="fs175"> Ðîçãëÿä ñïðàâè â³äêëàñòè </FONT><FONT class="fs141">íà 15.10.2015 î 10 ãîä. 30 õâ.</FONT></P>
<P class="ps8"><FONT class="fs140">2. </FONT><FONT class="fs174">Çàñ³äàííÿ â³äáóäåòüñÿ ó ïðèì³ùåíí³ ãîñïîäàðñüêîãî ñóäó Ëóãàíñüêî¿ îáëàñò³ çà àäðåñîþ: </FONT><FONT class="fs139">ì. Õàðê³â, ïðîñïåêò Ëåí³íà,</FONT><FONT class="fs173"> </FONT><FONT class="fs138">5,</FONT><FONT class="fs172"> </FONT><FONT class="fs137">ê³ì. ¹ 206 (ñóääÿ Ôîíîâà Î.Ñ.). </FONT></P>
<P class="ps7"><FONT class="fs136"> &nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps7"><FONT class="fs135">3. Çîáîâÿçàòè ïîçèâà÷à íàäàòè:</FONT><FONT class="fs171"> </FONT></P>
<P class="ps9"><FONT class="fs170">- ïèñüìîâ³ ïîÿñíåííÿ íà â³äçèâ â³äïîâ³äà÷à, äîêóìåíòàëüíå ï³äòâåðäæåííÿ òà íîðìàòèâíå îá´ðóíòóâàííÿ âèêëàäåíèõ ó ïîÿñíåííÿõ äîâîä³â;</FONT></P>
<P class="ps9"><FONT class="fs169">- îðèã³íàëè äîêóìåíò³â, ÿê³ äîäàí³ äî ïîçîâíî¿ çàÿâè ó êîï³ÿõ  äëÿ îãëÿäó ó ñóäîâîìó çàñ³äàíí³;</FONT></P>
<P class="ps9"><FONT class="fs168">- &nbsp;íîðìàòèâíå îá´ðóíòóâàííÿ íàðàõóâàííÿ êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì;</FONT></P>
<P class="ps9"><FONT class="fs167">- &nbsp;÷³òêî âèçíà÷èòè íà ÿê³ ñàìå ñóìè (áîðã çà ò³ëîì ÷è áîðã çà ïðîöåíòàìè) íàðàõîâàíà ïåíÿ;</FONT></P>
<P class="ps9"><FONT class="fs166">- &nbsp;ó ðàç³ íàðàõóâàííÿ ïåí³ íà ò³ëî êðåäèòó òà íà ïðîöåíòè - â³äîêðåìèòè ðîçðàõóíîê ïî êîæí³é ïåí³ îêðåìî, òà îêðåìî âèçíà÷èòè ñóìè ïåí³ â ïðîõàëüí³é ÷àñòèí³ ïîçîâíî¿ çàÿâè;</FONT></P>
<P class="ps9"><FONT class="fs165">- íàäàòè ïîÿñíåííÿ â³äïîâ³äíîñò³ ïðîöåíòíî¿ ñòàâêè, âêàçàíî¿ â ðîçðàõóíêó ïîçîâíèõ âèìîã, óìîâàì ï. 3.2.1.4.1.1 òà 3.2.1.4.1.2 «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã»;</FONT></P>
<P class="ps9"><FONT class="fs164">- äîêàçè íàäàííÿ êðåäèòíèõ êîøò³â;</FONT></P>
<P class="ps22"><FONT class="fs134">           </FONT></P>
<P class="ps7"><FONT class="fs133">           &nbsp;4. Çîáîâÿçàòè â³äïîâ³äà÷à íàäàòè:</FONT><FONT class="fs163"> </FONT></P>
<P class="ps9"><FONT class="fs132">- </FONT><FONT class="fs162">â³äçèâ íà ïîçîâíó çàÿâó, äîêàçè éîãî íàäñèëàííÿ ïîçèâà÷ó, äîêóìåíòàëüíå ï³äòâåðäæåííÿ òà íîðìàòèâíå îá´ðóíòóâàííÿ âèêëàäåíèõ ó â³äçèâ³ äîâîä³â;</FONT></P>
<P class="ps9"><FONT class="fs161"> - ó ðàç³ ïîãàøåííÿ ñóìè áîðãó íàäàòè îðèã³íàëè ïëàò³æíèõ äîêóìåíò³â äëÿ îãëÿäó, êîï³¿ äî ñïðàâè;</FONT></P>
<P class="ps11"><FONT class="fs160"> &nbsp;&nbsp;          - äîêóìåíòè, ùî ï³äòâåðäæóþòü ñòàòóñ þðèäè÷íî¿ îñîáè (ñâ³äîöòâî ïðî äåðæàâíó ðåºñòðàö³þ, âèòÿã ç â³äïîâ³äíîãî Ïîëîæåííÿ òîùî), îðèã³íàëè  äëÿ îãëÿäó ó ñóäîâîìó çàñ³äàíí³, íàëåæíèì ÷èíîì çàñâ³ä÷åí³ êîï³¿ - äî ìàòåð³àë³â ñïðàâè; äîâ³äêó ùîäî âíåñåííÿ äî ªÄÐÏÎÓ (êîï³þ äî ñïðàâè).</FONT></P>
<P class="ps10"><FONT class="fs159"> </FONT></P>
<P class="ps5"><FONT class="fs131">Çâåðòàºìî óâàãó ñòîð³í, ùî âñ³ êîï³¿ äîêóìåíò³â, ùî äîäàþòüñÿ äî ìàòåð³àë³â ñïðàâè òà äîâ³ðåíîñò³ ïðåäñòàâíèê³â ñòîð³í ïîâèíí³ áóòè íàëåæíèì ÷èíîì çàñâ³ä÷åí³ â³äïîâ³äíî äî âèìîã ï. 2 ñò. 36 ÃÏÊ Óêðà¿íè. </FONT><FONT class="fs158">Êð³ì òîãî, ï.5.27 Óí³ô³êîâàíî¿ ñèñòåìè îðãàí³çàö³éíî-ðîçïîðÿä÷î¿ äîêóìåíòàö³¿ (ÄÑÒÓ 4163-2003) ïåðåäáà÷åíî, ùî â³äì³òêà ïðî çàñâ³ä÷åííÿ êîï³¿ äîêóìåíòà ñêëàäàºòüñÿ ç³ ñë³â "Çã³äíî ç îðèã³íàëîì", íàçâè, îñîáèñòîãî ï³äïèñó îñîáè, ÿêà çàñâ³ä÷óº êîï³þ, ¿¿ ³í³ö³àë³â òà ïð³çâèùà, äàòè çàñâ³ä÷åííÿ êîï³¿; </FONT><FONT class="fs130">çàñâ³ä÷óâàòèñü ïîâèííà êîæíà ñòîð³íêà äîêóìåíòó </FONT><FONT class="fs157">ç â³äòèñêîì ïå÷àòêè ï³äïðèºìñòâà, óñòàíîâè, îðãàí³çàö³¿, ³íøî¿ þðèäè÷íî¿ îñîáè.</FONT></P>
<P class="ps6"><FONT class="fs129">Â³äïîâ³äíî äî ï. 5 ñò. 83 ÃÏÊ Óêðà¿íè çà óõèëåííÿ â³ä â÷èíåííÿ ä³é, ïîêëàäåíèõ ñóäîì íà ñòîðîíó, ó ò.÷. íåíàäàííÿ âèòðåáóâàíèõ ñóäîì äîêóìåíò³â, ç³ &nbsp;ñòîð³í ìîæå áóòè ñòÿãíåíî øòðàô. &nbsp;</FONT></P>
<P class="ps6"><FONT class="fs229">Ñóä äîâîäèòü äî â³äîìà ó÷àñíèê³â ñóäîâîãî ïðîöåñó, ùî âîíè ìàþòü ïðàâî îòðèìóâàòè ïðîöåñóàëüí³ äîêóìåíòè â åëåêòðîííîìó âèãëÿä³ â³äïîâ³äíî äî íàêàçó Äåðæàâíî¿ ñóäîâî¿ àäì³í³ñòðàö³¿ Óêðà¿íè â³ä 31.05.2013ð. ¹ 72 Ïðî ðåàë³çàö³þ ïðîåêòó ùîäî îáì³íó åëåêòðîííèìè äîêóìåíòàìè ì³æ ñóäîì òà ó÷àñíèêàìè ñóäîâîãî ïðîöåñó. </FONT></P>
<P class="ps6"><FONT class="fs228">Äëÿ îòðèìàííÿ ïðîöåñóàëüíèõ äîêóìåíò³â â åëåêòðîííîìó âèãëÿä³ ïîòð³áíî:</FONT></P>
<P class="ps6"><FONT class="fs227">1. Çàðåºñòðóâàòèñÿ â ñèñòåì³ îáì³íó åëåêòðîííèìè äîêóìåíòàìè ì³æ ñóäîì òà ó÷àñíèêàìè ñóäîâîãî ïðîöåñó (çàâåñòè ïîøòîâó ñêðèíüêó åëåêòðîííîãî ñóäó), ðîçì³ùåí³é íà îô³ö³éíîìó âåá-ïîðòàë³ ñóäîâî¿ âëàäè Óêðà¿íè çà àäðåñîþ: mail.gov.ua.</FONT></P>
<P class="ps6"><FONT class="fs226">2. Ïîäàòè äî ñóäó çàÿâêó ïðî îòðèìàííÿ ïðîöåñóàëüíèõ äîêóìåíò³â â åëåêòðîííîìó âèãëÿä³, ÿêó íåîáõ³äíî ðîçäðóêóâàòè íà îô³ö³éíîìó âåá-ïîðòàë³ ñóäîâî¿ âëàäè Óêðà¿íè ó âèùåâêàçàíîìó ðîçä³ë³. Ïðîöåñóàëüí³ äîêóìåíòè ó â³äïîâ³äí³é ñïðàâ³, ùî âèäàí³ ï³ñëÿ äàòè ïîäàííÿ âêàçàíî¿ Çàÿâêè äî ñóäó, áóäóòü íàäõîäèòè â åëåêòðîííîìó âèãëÿä³ íà çàðåºñòðîâàíó åëåêòðîííó àäðåñó ó÷àñíèêà ñóäîâîãî ïðîöåñó â äîìåí³ mail.gov.ua, çàçíà÷åíó â Çàÿâö³.</FONT><FONT class="fs156"> </FONT></P>
<P class="ps3"><FONT class="fs128">          Ñóääÿ                                                                                 &nbsp;&nbsp;Î.Ñ. Ôîíîâà</FONT></P>
<P><FONT class="fs113"> </FONT></P>