<TITLE>912/2926/15</TITLE>
<!-- BEGIN METADATA -->
<!-- Íàéìåíóâàííÿ ôàéëà ç ð³øåííÿì -->
<META NAME="FILENAME" CONTENT="5013_1795107.html">
<!-- 1,2 ID ð³øåííÿ TAGNAME(DOCID, DOCORGID) - íóæíî äëÿ ïîëó÷åíèÿ ïîäòâåðæäåíèÿ ðååñòðàöèè -->
<META NAME="DOCID" CONTENT="1795107">
<META NAME="DOCORGID" CONTENT="11">
<!-- [3] Íàéìåíóâàííÿ ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(COURTNAME) -->
<META NAME="COURTNAME" CONTENT="Ãîñïîäàðñüêèé ñóä Ê³ðîâîãðàäñüêî¿ îáëàñò³">
<!-- [4] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT) -->
<META NAME="CAUSECOURT" CONTENT="5013">
<!-- [4.1] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT2013) -->
<META NAME="CAUSECOURT2013" CONTENT="912">
<!-- [5] Ñïðàâà íîìåð TAGNAME(CAUSENUM) -->
<META NAME="CAUSENUM" CONTENT="912/2926/15">
<!-- [6] Äàòà ñïðàâè TAGNAME(CAUSEDATE) -->
<META NAME="CAUSEDATE" CONTENT="24.07.2015">
<!-- [7] Äàòà óõâàëåííÿ ð³øåííÿ TAGNAME(DOCDATE) -->
<META NAME="DOCDATE" CONTENT="24.09.2015">
<!-- [9] Ôîðìà ð³øåííÿ (ID) TAGNAME(DOCTYPE) -->
<!-- ð³øåííÿ = 2 -->
<!-- ïîñòàíîâà = 3 -->
<!-- óõâàëà ñóäó = 4 -->
<!-- ñóäîâèé íàêàç = 5 -->
<!-- îêðåìà óõâàëà = 6 -->
<META NAME="DOCTYPE" CONTENT="2">
<!-- [10] Ôîðìà ñóäî÷èíñòâà (ID) TAGNAME(CAUSETYPE) -->
<!-- àäì³í³ñòðàòèâíà = 1 -->
<!-- êðèì³íàëüíà = 2 -->
<!-- ãîñïîäàðñüêà = 3 -->
<!-- öèâ³ëüíà = 4 -->
<!-- àäì³í³ñòðàòèâíå ïðàâîïîðóøåííÿ = 5 -->
<META NAME="CAUSETYPE" CONTENT="3">
<!-- [11] Êîä êàòåãîð³¿ ñïðàâè TAGNAME(CAUSECATEGORY) -->
<META NAME="CAUSECATEGORY" CONTENT="4006">
<!-- [12] Ñïðàâà ðîçãëÿäàºòüñÿ ïî ³íñòàíö³¿ (ID) TAGNAME(CAUSELOCATION) -->
<!-- àïåëÿö³éí³é = A -->
<!-- êàñàö³éí³é = C -->
<META NAME="CAUSELOCATION" CONTENT="P">
<!-- [13] Ïîïåðåäí³é íîìåð ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSENUM) -->
<!-- [14] Ïîïåðåäíÿ äàòà ïîòî÷íî¿ ñóäîâî¿ ñïðàâè TAGNAME(REREGCAUSEDATE) -->
<!-- [15] Íîìåð ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSENUM) -->
<!-- [16] Äàòà ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSEDATE) -->
<!-- [17] Äàòà óõâàëåííÿ (ïîñòàíîâëåííÿ) ñóäîâîãî ð³øåííÿ, ùî ïåðåãëÿäàºòüñÿ TAGNAME(PREVRESCAUSEDATE) -->
<!-- [18] Ñóä, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCOURTNAME) -->
<!-- [19] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT) -->
<!-- [19.1] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT2013) -->
<!-- [20] Êîä êàòåãîð³¿ ïîïåðåäíüî¿ ñïðàâè TAGNAME(PREVCAUSECATEGORY) -->
<!-- [21] Ñåêðåòàð ñóäîâîãî çàñ³äàííÿ TAGNAME(SECRETARY) -->
<!-- [22] Çàáîðîíà îïðèëþäíåííÿ TAGNAME(HEARINGCLOSED) -->
<!-- íå çàáîðîíåíî = V -->
<!-- çàáîðîíåíî = Z -->
<!-- çàáîðîíåíî òèì÷àñîâî = T -->
<META NAME="HEARINGCLOSED" CONTENT="V">
<!-- [23] Ê³ëüê-òü àðêóø³â äîêóìåíòà (ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß) -->
<!-- Ñóää³ â ð³øåíí³: -->
<!-- [24] Ïîðÿäêîâèé íîìåð TAGNAME(JUDGEPOSITION) -->
<META NAME="JUDGEPOSITION1" CONTENT="1">
<!-- [25] ÏÐ²ÇÂÈÙÅ, ²Í²Ö²ÀËÈ TAGNAME(JUDGENAME) -->
<META NAME="JUDGENAME1" CONTENT="Ìàêàðåíêî Ò.Â.">
<!-- [26] ÊÎÄ ÑÓÄÄ² TAGNAME(JUDGECODE) -->
<!-- Ñòîðîíè ð³øåííÿ: -->
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION1" CONTENT="1">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE1" CONTENT="P">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE1" CONTENT="P">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE1" CONTENT="">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE1" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME1" CONTENT="Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê &quot;ÏðèâàòÁàíê&quot;">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT1" CONTENT="Ïîçèâà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO1" CONTENT="14360570">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL1" CONTENT="FALSE">
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION2" CONTENT="2">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE2" CONTENT="V">
<!-- [29] Òèï ïîçèâà÷à (ID): TAGNAME(MEMBPOZYVACHTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- çàÿâíèê = Z -->
<!-- ñòÿãóâà÷ = S -->
<!-- êðåäèòîð = K -->
<!-- îáâèíóâà÷ = B -->
<!-- öèâ³ëüíèé ïîçèâà÷ = C -->
<!-- çà³íòåðåñîâàíà îñîáà = A -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBPOZYVACHTYPE2" CONTENT="">
<!-- [30] Òèï â³äïîâ³äà÷à (ID): TAGNAME(MEMBVIDPOVIDACHTYPE) -->
<!-- â³äïîâ³äà÷ = V -->
<!-- öèâ³ëüíèé â³äïîâ³äà÷ = C -->
<!-- àäì³í.ïðàâîïîðóøíèê = P -->
<!-- áîðæíèê = B -->
<!-- ï³äñóäíèé = D -->
<!-- ³íøà îñîáà = I -->
<META NAME="MEMBVIDPOVIDACHTYPE2" CONTENT="V">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE2" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME2" CONTENT="Ïðèâàòíå ï³äïðèºìñòâî &quot;Àãðîêîìïàíüîí-Ê&quot;">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT2" CONTENT="Â³äïîâ³äà÷ 1">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO2" CONTENT="36119809">
<!-- [35] Äàòà íàðîäæåííÿ (äëÿ ô³çè÷íèõ) - ÍÅ Ï²ÄÒÐÈÌÓªÒÜÑß -->
<!-- [36] Àäðåñà (äëÿ þðèäè÷íèõ) àáî Ì³ñöåçíàõîäæåííÿ (äëÿ ô³çè÷íèõ) TAGNAME(MEMBPOSTADDRESS) -->
<!-- [37] ×àñòêà äåðæâëàñíîñò³ TAGNAME(CHASTDERGVL) ÇÍÀ×ÅÍÈÅ(TRUE|FALSE) -->
<META NAME="CHASTDERGVL2" CONTENT="FALSE">
<!-- [38] Âåðñ³ÿ êë³ºíòà TAGNAME(APPVER) -->
<META NAME="APPVER" CONTENT="1.24.3.221">
<!-- [39] Êîä ïðîâàéäåðà ÅÖÏ TAGNAME(CRYPTPROVIDER) -->
<META NAME="CRYPTPROVIDER" CONTENT="DS13">
<!-- END METADATA -->
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=windows-1251">
<META NAME="Author" CONTENT="">
<META NAME="Description" CONTENT="Document">
<META NAME="Document-state" CONTENT="static">
<META NAME="Updated" CONTENT="25.09.2015 14:54:32">
<META NAME="Robots" CONTENT="All">
<META NAME="Keywords" CONTENT="">
<STYLE TYPE="text/css">
margin-right: 10 mm;
margin-bottom: 10 mm;
mso-paper-source: 0;
@charset "Windows-1251";
font-family: Times New Roman;
font-family: Facefont SSH;
font-family: Times New Roman;
margin-bottom: 0 mm;
white-space: normal;
word-spacing: normal;
text-align: justify;
text-align: justify;
border-color: black;
margin-bottom: 0 px;
margin-right: 10 px;
background-color: white;
table-layout: fixed;
margin-bottom: 10 px;
border-color: black;
border-style: solid;
border-top-width: 1 px;
border-bottom-width: 1 px;
border-left-width: 1 px;
border-right-width: 1 px;
padding-bottom: 1 px;
padding-right: 5 px;);
border-left-color: White;
border-right-color: White;
border-top-color: White;
border-bottom-color: White;
padding-right: 1 mm;
<P class="ps8"><FONT class="fs109"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps1"><FONT class="fs31"> </FONT><FONT class="fs36">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ</FONT></P>
<P class="ps1"><FONT class="fs35">Ê³ðîâîãðàäñüêî¿ îáëàñò³</FONT></P>
<P class="ps1"><FONT class="fs34">Ð²ØÅÍÍß</FONT></P>
<P class="ps1"><FONT class="fs33">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P> &nbsp;24 âåðåñíÿ 2015 ðîêó</P></TD><TD width="50 %" class="tds6"><P class="ps2">Ñïðàâà ¹ 912/2926/15</P><BR>
<P class="ps3"> Ãîñïîäàðñüêèé ñóä Ê³ðîâîãðàäñüêî¿ îáëàñò³ â ñêëàä³ ñóää³ Ìàêàðåíêî Ò.Â. ðîçãëÿíóâ ó ñóäîâîìó çàñ³äàíí³ ìàòåð³àëè ñïðàâè ¹ 912/2926/15</P>
<P class="ps3">çà ïîçîâîì Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê "ÏðèâàòÁàíê" &nbsp;</P>
<P class="ps3">äî &nbsp;Ïðèâàòíîãî ï³äïðèºìñòâà "Àãðîêîìïàíüîí-Ê" &nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P class="ps3">&nbsp;ïðåäñòàâíèêè ñòîð³í ó÷àñò³ â çàñ³äàíí³ ñóäó íå áðàëè.</P>
<P class="ps3">Ïîçèâà÷ íàä³ñëàâ äî ñóäó çàÿâó ïðî ðîçãëÿä ñïðàâè áåç ó÷àñò³ ïðåäñòàâíèêà ðàçîì ³ç âèïèñêîþ ïî ðàõóíêó ùîäî âèêîðèñòàííÿ òà ïîãàøåííÿ êðåäèòíîãî ë³ì³òó çà ïåð³îä ç 02.03.2011 ð. ïî 08.07.2015ð.</P>
<P class="ps3">Â³äïîâ³äà÷ ó÷àñò³ ñâî¿õ ïðåäñòàâíèê³â â çàñ³äàííÿ ñóäó íå çàáåçïå÷èâ, &nbsp;âèòðåáóâàíèõ ñóäîì äîêóìåíò³â íå ïîäàâ. Âîäíî÷àñ ãîñïîäàðñüêèé ñóä ââàæàº â³äïîâ³äà÷à òàêèì, ùî íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî äàòó, ÷àñ òà ì³ñöå ïðîâåäåííÿ çàñ³äàííÿ ñóäó â ñèëó íàñòóïíîãî.</P>
<P class="ps3">Çã³äíî ³ç Çàêîíîì Óêðà¿íè "Ïðî äåðæàâíó ðåºñòðàö³þ þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â" ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè àáî ì³ñöå ïðîæèâàííÿ ô³çè÷íî¿ îñîáè - ï³äïðèºìöÿ âèçíà÷àºòüñÿ íà ï³äñòàâ³ â³äîìîñòåé, âíåñåíèõ äî ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á - ï³äïðèºìö³â.</P>
<P class="ps3">Òàêèì ÷èíîì, âðàõîâóþ÷è ïðèïèñè ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011 ðîêó ¹ 18 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿" ãîñïîäàðñüêèì ñóäîì âèêîíàíî âèìîãè ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps3">Ç óðàõóâàííÿì íàâåäåíîãî òà íîðì ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, âðàõîâóþ÷è íàëåæíå ïîâ³äîìëåííÿ ïîçèâà÷à òà â³äïîâ³äà÷à ïðî äàòó, ÷àñ ³ ì³ñöå ïðîâåäåííÿ ñóäîâîãî çàñ³äàííÿ, ãîñïîäàðñüêèé ñóä ââàæàº ìîæëèâèì ðîçãëÿíóòè ñïðàâó ¹912/2926/15 â ñóäîâîìó çàñ³äàíí³ 24.09.2015 çà â³äñóòíîñò³ ïðåäñòàâíèê³â ñòîð³í òà çà íàÿâíèìè ó ñïðàâ³ äîêóìåíòàìè.</P>
<P class="ps3">Ðîçãëÿíóâøè íàÿâí³ ìàòåð³àëè ñïðàâè, äîñë³äèâøè óñ³ îáñòàâèíè ñïðàâè, îö³íèâøè ïîäàí³ äîêàçè, &nbsp;&nbsp;ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps3">&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;ÂÑÒÀÍÎÂÈÂ:</P>
<P class="ps3">²ç çì³ñòó Çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó &nbsp;&nbsp;âáà÷àºòüñÿ, ùî êë³ºíò ï³äïèñóþ÷è öþ Çàÿâó, ïîãîäèâñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ðîçì³ùåíèìè íà ñàéò³ áàíêó. Êð³ì òîãî, êë³ºíò îçíàéîìèâñÿ ç Òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç Çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</P>
<P class="ps3">²ñòîòíîþ óìîâîþ Äîãîâîðó ì³æ ñòîðîíàìè ïðî áàíê³âñüêå îáñëóãîâóâàííÿ áóëî âñòàíîâëåííÿ êðåäèòíîãî ë³ì³òó íà ïîòî÷íèé ðàõóíîê êîðïîðàòèâíîãî êë³ºíòà, ðåæèì ôóíêö³þâàííÿ ÿêîãî ïîëÿãàº â íàñòóïíîìó: êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê&nbsp;(äàë³ - "êðåäèò") íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ êîøò³â ³ çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà, â ìåæàõ êðåäèòíîãî ë³ì³òó. Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, ùî ïîëÿãàº ó ïðîâåäåíí³ éîãî ïëàòåæ³â ïîíàä çàëèøîê êîøò³â íà ïîòî÷íèé ðàõóíîê êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó óòâîðþºòüñÿ äåáåòîâå ñàëüäî (ï. 3.2.1.1.1 Äîãîâîðó). Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð â³äñîòêîâî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòíèì ë³ì³òîì ðåãëàìåíòóþòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ³ òàðèôàìè áàíêó, ùî ðîçì³ùåíí³ â ìåðåæàõ ²íòåðíåò íà â³äïîâ³äíîìó ñàéò³, ÿê³ ðàçîì ³ç Çàÿâîþ êë³ºíòà ñêëàäàþòü Äîãîâ³ð ïðî áàíê³âñüêå îáñëóãîâóâàííÿ.</P>
<P class="ps3">Íà ï³äñòàâ³ âèùåâèêëàäåíîãî, ñóä ââàæàº äîïóñòèìîþ òà òàêîþ, ùî â³äïîâ³äàº ÷èííîìó çàêîíîäàâñòâó, ôîðìó óêëàäåííÿ êðåäèòíîãî äîãîâîðó ÷åðåç âèçíà÷åííÿ éîãî ³ñòîòíèõ óìîâ ó çàÿâàõ ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã òà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, à òàêîæ çàòâåðäæåíèõ áàíêîì Óìîâ ³ Ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, ÿê³ îïðèëþäíåí³ ÷åðåç ñàéò áàíêó.</P>
<P class="ps3">Â³äïîâ³äíî äî ïóíêò³â 3.2.1.1.3, 3.2.1.1.4 äîãîâîðó, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â òà âèíàãîðîäè. Ïðè öüîìó áàíê íå îïëà÷óº âèòðàòè êë³ºíòà ó âèïàäêó íàäõîäæåííÿ íà éîãî ðàõóíîê äîêóìåíò³â íà ïðèìóñîâå ñïèñàííÿ (ñòÿãíåííÿ) êîøò³â, ïðè çàáîðîí³ ïðîâåäåííÿ îïåðàö³é ïî ðàõóíêó.</P>
<P class="ps3">Ë³ì³ò êðåäèòóâàííÿ áàíêîì ðîçðàõîâóºòüñÿ çà âíóòð³øíüîáàíê³âñüêîþ ìåòîäèêîþ íà ï³äñòàâ³ äàíèõ ïðî ðóõ êîøò³â ïî ïîòî÷íîìó ðàõóíêó, ïëàòîñïðîìîæíîñò³ êë³ºíòà ³íøèõ ïîêàçíèê³â. Áàíê ìàº ïðàâî â îäíîñòîðîííüîìó ïîðÿäêó çì³íèòè ðîçì³ð ë³ì³òó êðåäèòóâàííÿ (ï.ï. 3.2.1.1.5, 3.2.1.1.6 Äîãîâîðó).</P>
<P class="ps3">Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ âêàçàíèì Êîäåêñîì.</P>
<P class="ps3">Çà ïðàâèëàìè ñòàòò³ 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.</P>
<P class="ps3">Ðîçì³ð ïðîöåíò³â òà ïîðÿäîê ¿õ ñïëàòè çà äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè òà ³íøèõ ôàêòîð³â (ñòàòòÿ 1056-1 ÖÊ Óêðà¿íè).</P>
<P class="ps3">Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ãëàâè 78 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêèé ðåãóëþº ïðàâîâ³äíîñèíè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì 2 ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</P>
<P class="ps3">Çàãàëüí³ óìîâè âèêîíàííÿ ãîñïîäàðñüêèõ çîáîâ'ÿçàíü âèçíà÷åí³ ñòàòòåþ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, çã³äíî ç ÿêîþ 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. Çàçíà÷åíà ñòàòòÿ óçãîäæóºòüñÿ ç ïðèïèñàìè ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps3">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 612 Öèâ³ëüíîãî êîäåêñó 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.</P>
<P class="ps3">Ãîñïîäàðñüêèé ñóä âðàõîâóº, ùî çã³äíî Ñïåö³àëüíîãî âèòÿãó ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â, îòðèìàíèì ñóäîì çà åëåêòðîííèì çàïèòîì â³ä 24.07.2015 ðîêó çà ¹ 20929750, ñòàíîì íà 24.07.2015 ðîêó äî ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â âêëþ÷åíî ïðèâàòíå ï³äïðèºìñòâî "Àãðîêîìïàíüîí-Ê", ³äåíòèô³êàö³éíèé êîä 36119809. Òàêèé ñàìèé ³äåíòèô³êàö³éíèé êîä ì³ñòèòüñÿ íà ïå÷àòö³ ïðèâàòíîãî ï³äïðèºìñòâà "Öåíòððåìáóä-Ê", ÿêîþ ñêð³ïëåíî Çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêó ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè â³æ 14.02.2011ð. </P>
<P class="ps3">Â³äïîâ³äíî äî &nbsp;Ïîëîæåííÿ ïðî ªäèíèé äåðæàâíèé ðåºñòð ï³äïðèºìñòâ òà îðãàí³çàö³é Óêðà¿íè, çàòâ. Ïîñòàíîâîþ ÊÌÓ â³ä 22.01.1996ð. ¹ 118 "Ïðî ñòâîðåííÿ ªäèíîãî äåðæàâíîãî ðåºñòðó ï³äïðèºìñòâ òà îðãàí³çàö³é Óêðà¿íè", ªäèíèé äåðæàâíèé ðåºñòð ï³äïðèºìñòâ òà îðãàí³çàö³é Óêðà¿íè (ªÄÐÏÎÓ) - &nbsp;àâòîìàòèçîâàíà ñèñòåìà çáèðàííÿ, íàêîïè÷åííÿ òà îïðàöþâàííÿ äàíèõ ïðî þðèäè÷íèõ îñ³á âñ³õ ôîðì âëàñíîñò³ òà îðãàí³çàö³éíî-ïðàâîâèõ ôîðì ãîñïîäàðþâàííÿ, â³äîêðåìëåí³ ï³äðîçä³ëè þðèäè÷íèõ îñ³á, ùî çíàõîäÿòüñÿ íà òåðèòîð³õ Óêðà¿íè, à òàêîæ â³äîêðåìëåí³ ï³äðîçä³ëè þðèäè÷íèõ îñ³á Óêðà¿íè, ùî çíàõ¿îäÿòüñÿ çà ¿¿ ìåæàìè. </P>
<P class="ps3">Â³äïîâ³äíî äî ï.6 &nbsp;âêàçàíîãî Ïîëîæåííÿ &nbsp;³äåíòèô³êàö³éíèé êîä çáåð³ãàºòüñÿ &nbsp;çà ñóá'ºêòîì, ÿêîìó â³í ïðèñâîºíèé, ïðîòÿãîì óñüîãî ïåð³îäó éîãî ³ñíóâàííÿ ³ º ºäèíèì.</P>
<P class="ps3">Ó ðàç³ ïåðåòâîðåííÿ þðèäè÷íî¿ îñîáè, êð³ì öåíòðàëüíèõ îðãàí³â âèêîíàâ÷î¿ âëàäè, çà ïðàâîíàñòóïíèêîì çáåð³ãàºòüñÿ ¿¿ ³äåíòèô³êàö³éíèé êîä.</P>
<P class="ps3">Âêàçàíå ñâ³ä÷èòü, ùî â³äáóëîñÿ ïåðåòâîðåííÿ ïðèâàòíîãî ï³äïðèºìñòâà "Öåíòððåìáóä-Ê" â ïðèâàòíå ï³äïðèºìñòâî "Àãðîêîìïàíüîí-Ê", îñê³ëüêè &nbsp;³äåíòèô³êàö³éíèé êîä 36119809 áóëî ïðèñâîºíî ïðèâàòíîìó &nbsp;ï³äïðèºìñòâó "Àãðîêîìïàíüîí-Ê" ïðè éîãî äåðæàâí³é ðåºñòðàö³¿.</P>
<P class="ps3">Ïðî âêàçàíå òàêîæ ñâ³ä÷èòü ïîäàíèé ïîçèâà÷åì ðîçøèðåíèé Âèòÿã ç ªäèíîãî äåðæàâíîãî ðåºñòðó þðèäè÷íèõ îñ³á òà ô³çè÷íèõ îñ³á-ï³äïðèºìö³â (²íòåðåíåò), ç ÿêîãî âáà÷àºòüñÿ, ùî ïðèâàòíå ï³äïðèºìñòâî "Àãðîêîìïàíüîí-Ê" âçÿòî íà îáë³ê Ê³ðîâîãðàäñüêîþ ÎÄÏ² 24.09.2008 ðîêó.</P>
<P class="ps3">Îòæå, íàëåæíèì â³äïîâ³äà÷åì ó äàí³é ñïðàâ³ º ïðèâàòíå ï³äïðèºìñòâî "Àãðîêîìïàíüîí-Ê", îñê³ëüêè &nbsp;³äåíòèô³êàö³éíèé êîä 36119809.</P>
<P class="ps3">ßê âñòàíîâëåíî ñòàòòåþ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps3">Ó ïóíêò³ 3.2.1.4.1.1 äîãîâîðó âñòàíîâëåíî, ùî îáíóëèòè äåáåòîâå ñàëüäî êë³ºíò ïîâèíåí ó ïðîì³æîê ÷àñó ç 20-ãî ïî 25-òå ÷èñëî ì³ñÿöÿ ³ çà öåé ïåð³îä ñòàâêà çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ñòàíîâèòü 0%.</P>
<P class="ps3">Çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè ïðîòÿãîì 90 äí³â ç äàòè ïåð³îäó, êîëè äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 36% ð³÷íèõ ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ. Ïî÷èíàþ÷è ³ç 91 äíÿ êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì ³ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì âæå ñïëà÷óþòüñÿ çà ñòàâêîþ 56% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps3">Ðîçì³ð ùîì³ñÿ÷íî¿ êîì³ñ³¿ âðåãóëüîâàíî ï.ï. 3.2.1.4.4. Äîãîâîðó, ÿêèì ïåðåäáà÷åíî, ùî êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òîì â³äïîâ³äíî ï.ï 3.2.1.1.6, 3.2.1.2.3.2 1-ãî ÷èñëà êîæíîãî ì³ñÿöÿ ó ðîçì³ð³ 0,9% â³ä ñóìè ìàêñèìàëüíîãî ñàëüäî êðåäèòó, ùî ³ñíóâàëî íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é ì³ñÿöü, â ïîðÿäêó ïåðåäáà÷åíîìó Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã.</P>
<P class="ps3">Ãîñïîäàðñüêèé ñóä âðàõîâóº óìîâè Äîãîâîðó òà ïîëîæåííÿ ÷àñòèíè 2 ñòàòò³ 67, ÷àñòèíè 4 ñòàòò³ 179 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, ÷àñòèíè 3 ñòàòò³ 6, ñòàòò³ 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äíî äî íîðì ÿêî¿ ñòîðîíè â³ëüí³ â óêëàäåíí³ äîãîâîðó òà âèçíà÷åí³ éîãî óìîâ, êð³ì âèïàäê³â, êîëè íå äîïóñêàºòüñÿ â³äñòóïëåííÿ â ñèëó çàêîíó.</P>
<P class="ps3">Â³äïîâ³äà÷ íå íàäàâ ñóäó äîêàç³â ïðîâåäåííÿ ïîâíîãî ðîçðàõóíêó ïî êðåäèòó, ïðîöåíòàì òà êîì³ñ³¿. Ç îãëÿäó íà âèùåíàâåäåíå ãîñïîäàðñüêèé ñóä çàäîâîëüíÿº ïîçîâ â ö³é ÷àñòèí³ ïîçîâíèõ âèìîã.</P>
<P class="ps3">Óìîâàìè ï. 3.2.1.5.1 ïåðåäáà÷åíà â³äïîâ³äàëüí³ñòü ñòîð³í, çîêðåìà ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³íó ïîâåðíåííÿ êðåäèòó, âèíàãðîäè, îñòàíí³é ñïëà÷óº ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà íà ïåð³îä çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæåí äåíü ïðîñòðî÷åííÿ ïëàòåæó.</P>
<P class="ps3">Çã³äíî 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, ïðîòå â³äïîâ³äíî äî ï. 3.2.1.5.4 äîãîâîðó íàðàõóâàííÿ íåóñòîéêè çà êîæåí âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, âèçíà÷åíèõ äàíèì ïóíêòîì, çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì.</P>
<P class="ps3">Â³äïîâ³äà÷ íå ïîäàâ ãîñïîäàðñüêîìó ñóäó äîêàç³â âèêîíàííÿ ñâî¿õ çîáîâ'ÿçàíü çà âèùåâêàçàíèì êðåäèòíèì äîãîâîðîì â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ ïîçèâà÷ó êðåäèòíèõ êîøò³â òà ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì òà äîêàç³â âèêîíàííÿ âèìîã ïîçèâà÷à.</P>
<P class="ps3">Ãîñïîäàðñüêèé ñóä âðàõîâóº, ùî ïîçèâà÷åì ó ñïðàâ³ äîòðèìàíî ïîëîæåííÿ ñò.ñò. 33, 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îòæå ïîçîâí³ âèìîãè ñóäîì çàäîâîëüíÿþòüñÿ â ïîâíîìó îáñÿç³.</P>
<P class="ps3">Çã³äíî ñòàòò³ 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè íà â³äïîâ³äà÷à ó ñïðàâ³ ïîêëàäàþòüñÿ ñóäîâ³ âèòðàòè íà ñóäîâèé çá³ð ïîâí³ñòþ.</P>
<P class="ps3">Íà ï³äñòàâ³ âèêëàäåíîãî òà êåðóþ÷èñü ñò.ñò. 33,34,44,49, 82-85, 116, 117 ÃÏÊ Óêðà¿íè, Çàêîíîì Óêðà¿íè ïðî ñóäîâèé çá³ð", ãîñïîäàðñüêèé ñóä, -</P>
<P class="ps3">&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;Â È Ð ² Ø È Â :</P>
<P class="ps3">Ïîçîâí³ âèìîãè çàäîâîëüíèòè ïîâí³ñòþ.</P>
<P class="ps3">Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ñóäîâèì ð³øåííÿì çàêîííî¿ ñèëè òà íàïðàâèòè ñòÿãóâà÷ó.</P>
<P class="ps3">Çã³äíî ÷. 5 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.</P>
<P class="ps3">Ð³øåííÿ ìîæå áóòè îñêàðæåíå ïðîòÿãîì äåñÿòè äí³â ç äíÿ éîãî ï³äïèñàííÿ äî Äí³ïðîïåòðîâñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä Ê³ðîâîãðàäñüêî¿ îáëàñò³. &nbsp;&nbsp;</P>
<P class="ps3"> &nbsp;&nbsp;</P>
<P class="ps4">Ïîâíå ð³øåííÿ ñêëàäåíî &nbsp;24.09.2015 </P>
<P> Ñóääÿ                                                                       &nbsp;Ò. Â. Ìàêàðåíêî </P>