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<TR><TD width="100 %" class="tds1"><P class="ps20"><FONT class="fs193"> &nbsp;</FONT><FONT class="fs191"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps14"><FONT class="fs58">Ð²ØÅÍÍß</FONT></P>
<P class="ps14"><FONT class="fs57">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps3"><FONT class="fs73">Çà ïîçîâîì</FONT><FONT class="fs184">          Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÌîäóëüÒåõ" </FONT></P>
<P class="ps2"><FONT class="fs72">äî </FONT><FONT class="fs183">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà &nbsp;"Áàíê "Ô³íàíñè òà Êðåäèò"&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps1"><FONT class="fs70">                                                                                Ñóääÿ Òóð÷èí Ñ.Î.</FONT></P>
<P class="ps7"><FONT class="fs69">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
<P class="ps7"><FONT class="fs181">â³ä ïîçèâà÷à:                    íå ç'ÿâèâñÿ </FONT></P>
<P class="ps7"><FONT class="fs180">â³ä â³äïîâ³äà÷à:           íå ç'ÿâèâñÿ </FONT></P>
<P class="ps14"><FONT class="fs68">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps12"><FONT class="fs175">Â ñóäîâå çàñ³äàííÿ 22.09.2015 çÿâèâñÿ ïðåäñòàâíèê ïîçèâà÷à, íàäàâ äîêóìåíòè ïî ñïðàâ³.</FONT></P>
<P class="ps12"><FONT class="fs174">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 22.09.2015 íå çÿâèâñÿ, âèòðåáóâàíèõ óõâàëîþ ñóäó â³ä 31.08.2015 äîêóìåíò³â íå íàäàâ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ.</FONT></P>
<P class="ps5"><FONT class="fs172">Ïðåäñòàâíèê ïîçèâà÷à â ñóäîâå çàñ³äàííÿ 13.10.2015 íå çÿâèâñÿ. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs171">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 13.10.2015 íå çÿâèâñÿ, â³äçèâó íà ïîçîâ òà &nbsp;âèòðåáóâàíèõ ñóäîì äîêóìåíò³â íå íàäàâ. &nbsp;</FONT></P>
<P class="ps8"><FONT class="fs170">Ó â³äïîâ³äíîñò³ äî ï.ï. 3.9.1. ï. 3.9. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿", ðîçïî÷èíàþ÷è ñóäîâèé ðîçãëÿä, ñóääÿ ìàº âñòàíîâèòè, ÷è ïîâ³äîìëåí³ ïðî ÷àñ ³ ì³ñöå öüîãî ðîçãëÿäó îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, àëå íå ç'ÿâèëèñÿ ó çàñ³äàííÿ. Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñò. 64 &nbsp;òà ñò. 87 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps8"><FONT class="fs169">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.</FONT></P>
<P class="ps5"><FONT class="fs167">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 (ï. 3.9.2. ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 â³ä 26.12.2011 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿").</FONT></P>
<P class="ps5"><FONT class="fs166">Âîäíî÷àñ, ñóäîì, âðàõîâàíî, ùî ó â³äïîâ³äíîñò³ äî ÷. 1 </FONT><FONT class="fs77">ñò. 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ëþäèíè ³ îñíîâîïîëîæíèõ ñâîáîä</FONT><FONT class="fs165">, êîæåí ïðè âèð³øåíí³ ñóäîì ïèòàííÿ ùîäî éîãî öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â ìàº ïðàâî íà ñóäîâèé ðîçãëÿä óïðîäîâæ ðîçóìíîãî ñòðîêó. Ïåðåâèùåííÿ ðîçóìíèõ ñòðîê³â ðîçãëÿäó ñïðàâ ñòàíîâèòü ïîðóøåííÿ ïðàâ, ãàðàíòîâàíèõ ïóíêòîì 1 ñòàòò³ 6 Êîíâåíö³¿ ïðî çàõèñò ïðàâ ³ îñíîâíèõ ñâîáîä ëþäèíè.</FONT></P>
<P class="ps5"><FONT class="fs164">Âðàõîâóþ÷è âèùåíàâåäåíå òà òå, ùî íàÿâí³ ó ìàòåð³àëàõ ñïðàâè äîêóìåíòè äîñòàòí³ äëÿ ïðèéíÿòòÿ ïîâíîãî òà îá´ðóíòîâàíîãî ñóäîâîãî ð³øåííÿ, ç ìåòîþ çàïîá³ãàííÿ áåçï³äñòàâíîìó çàòÿãóâàííþ ðîçãëÿäó ñïðàâè, â ñóäîâîìó çàñ³äàíí³ 13.10.2015 áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ, â³äïîâ³äíî äî ñò. 85 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps5"><FONT class="fs163">Ðîçãëÿíóâøè íàäàí³ äîêóìåíòè òà ìàòåð³àëè, çÿñóâàâøè îáñòàâèíè, íà ÿêèõ ´ðóíòóþòüñÿ ïîçîâí³ âèìîãè, îáºêòèâíî îö³íèâøè â ñóêóïíîñò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè òà âèð³øåííÿ ñïîðó ïî ñóò³, ñóä</FONT></P>
<P class="ps6"><FONT class="fs67">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps12"><FONT class="fs161">Â³äïîâ³äíî äî ïï. 3.1.1 ï. 3.1 äîãîâîðó, áàíê ìàº ïðàâî âèêîðèñòîâóâàòè ãðîøîâ³ êîøòè íà ðàõóíêàõ êë³ºíòà, ãàðàíòóþ÷è ïðè öüîìó ïðàâî êë³ºíòà áåçïåðåøêîäíî ðîçïîðÿäæàòèñÿ öèìè êîøòàìè.</FONT></P>
<P class="ps12"><FONT class="fs160">Ïóíêòîì &nbsp;2.2. äîãîâîðó ïåðåäáà÷åíî, ùî ñïèñàííÿ áàíêîì ãðîøîâèõ êîøò³â ç ðàõóíêó çä³éñíþºòüñÿ çà äîðó÷åííÿì êë³ºíòà àáî áåç éîãî äîðó÷åííÿ ó âèïàäêàõ, ïåðåäáà÷åíèõ çàêîíîäàâñòâîì Óêðà¿íè.</FONT></P>
<P class="ps12"><FONT class="fs159">Íàêëàäåííÿ àðåøòó íà ðàõóíîê àáî ïðèïèíåííÿ îïåðàö³é çà íèì, ùî îáìåæóº ïðàâî êë³ºíòà íà ðîçïîðÿäæåííÿ êîøòàìè, ìîæëèâå ò³ëüêè ó âèïàäêàõ, âñòàíîâëåíèõ ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè. (ï. 2.3. äîãîâîðó).</FONT></P>
<P class="ps12"><FONT class="fs158">Çã³äíî ³ç ïï. 3.1.5 ï. 3.1 äîãîâîðó, áàíê ìàº ïðàâî â³äìîâëÿòè êë³ºíòó â îáñëóãîâóâàíí³ ðàõóíê³â ó âèïàäêàõ íåâèêîíàííÿ ÷è íåíàëåæíîãî âèêîíàííÿ íèì ñâî¿õ îáîâ'ÿçê³â çà äîãîâîðîì òà â ³íøèõ âèïàäêàõ, ïåðåäáà÷åíèõ ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè.</FONT></P>
<P class="ps12"><FONT class="fs157">Â³äïîâ³äíî äî ï. ï. 3.2.1 äîãîâîðó, êë³ºíò ìàº ïðàâî ñàìîñò³éíî ðîçïîðÿäæàòèñÿ ãðîøîâèìè êîøòàìè íà ðàõóíêó, îêð³ì âèïàäê³â îáìåæåííÿ òàêîãî ïðàâà, âñòàíîâëåíèõ ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè.</FONT></P>
<P class="ps12"><FONT class="fs156">Ïóíêòîì 3.3.2 äîãîâîðó, íà áàíê ïîêëàäåíî îáîâÿçîê âåñòè êîìïëåêñíå ðîçðàõóíêîâî-êàñîâå îáñëóãîâóâàííÿ ðàõóíêó òà âèêîíóâàòè çà äîðó÷åííÿì êë³ºíòà ðîçðàõóíêîâ³, êàñîâ³ ³ ³íø³ îïåðàö³¿, ÿê³ íå ñóïåðå÷àòü òà ïåðåäáà÷åí³ äëÿ äàíîãî âèäó ðàõóíê³â ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè òà áàíê³âñüêèìè ïðàâèëàìè. Íàäàííÿ ³íøèõ ïîñëóã, ùî áåçïîñåðåäíüî íå â³äíîñÿòüñÿ äî ðîçðàõóíêîâî-êàñîâîãî îáñëóãîâóâàííÿ (êðåäèòóâàííÿ, îïåðàö³¿ ç ö³ííèìè ïàïåðàìè, ôàêòîðèíã, ë³çèíã òà ³íø³ îïåðàö³¿), çä³éñíþºòüñÿ íà ï³äñòàâ³ îêðåìèõ äîãîâîð³â, óêëàäåíèõ ì³æ áàíêîì òà êë³ºíòîì.</FONT></P>
<P class="ps12"><FONT class="fs155">Çã³äíî ç ï.ï. 3.3.3, 3.3.4. äîãîâîðó, áàíê çîáîâ'ÿçàíèé çä³éñíþâàòè ðîçðàõóíêîâî-êàñîâå îáñëóãîâóâàííÿ ðàõóíêó ó âèçíà÷åíèé ÷àñ ç 09:00 äî 15:00, êð³ì ñóáîòè, íåä³ë³ òà ñâÿòêîâèõ ³ íåðîáî÷èõ äí³â, à òàêîæ çàáåçïå÷óâàòè ñâîº÷àñíå çàðàõóâàííÿ ãðîøîâèõ êîøò³â íà ðàõóíêè.</FONT></P>
<P class="ps12"><FONT class="fs154">Äîãîâ³ð íàáèðàº ÷èííîñò³ ç ìîìåíòó éîãî ï³äïèñàííÿ óïîâíîâàæåíèìè ïðåäñòàâíèêàìè ñòîð³í ³ ä³º ïðîòÿãîì íåâèçíà÷åíîãî ñòðîêó. Äîãîâ³ð ìîæå áóòè ðîç³ðâàíèé çà çàÿâîþ áóäü-ÿêî¿ ³ç ñòîð³í, à òàêîæ â ³íøèõ âèïàäêàõ òà ç ï³äñòàâ, ïåðåäáà÷åíèõ äîãîâîðîì òà ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè. Ïðè ðîç³ðâàíí³ äîãîâîðó êë³ºíò çîáîâ'ÿçàíèé çàêðèòè ðàõóíîê, ïîäàâøè â áàíê äîêóìåíòè, ùî ïåðåäáà÷åí³ ÷èííèì çàêîíîäàâñòâîì Óêðà¿íè äëÿ çàêðèòòÿ ðàõóíêó. Çàêðèòòÿ ðàõóíêó çä³éñíþºòüñÿ âèêëþ÷íî çà óìîâè ïîâíîãî ðîçðàõóíêó êë³ºíòà ïåðåä áàíêîì ïî ñïëàò³ ïîñëóã çà ðîçðàõóíêîâî-êàñîâå îáñëóãîâóâàííÿ ðàõóíêó (ï.ï. 8.1. - 8.3. äîãîâîðó).</FONT></P>
<P class="ps12"><FONT class="fs153">19.03.2007 ì³æ ñòîðîíàìè áóëà óêëàäåíà äîäàòêîâà óãîäà äî äîãîâîðó, â³äïîâ³äíî äî ÿêî¿, áàíê çîáîâ'ÿçóºòüñÿ çä³éñíþâàòè ðîçðàõóíêîâå îáñëóãîâóâàííÿ êë³ºíòà ç âèêîðèñòàííÿì ñèñòåìè åëåêòðîííèõ ïëàòåæ³â "Êë³ºíò-Áàíê".</FONT></P>
<P class="ps12"><FONT class="fs152">Çã³äíî ï. 5.2. äîäàòêîâî¿ óãîäè äî äîãîâîðó, ðîçðàõóíêîâ³ äîêóìåíòè, ÿê³ ïðèéíÿò³ áàíêîì â³ä êë³ºíòà ÷åðåç ñèñòåìó "Êë³ºíò-Áàíê" â îïåðàö³éíèé äåíü ç 9:00 ïî 17:30 ïðîâîäÿòüñÿ ïî ðàõóíêàì ó òîé æå äåíü ó ñóì³, ùî íå ïåðåâèùóº êðåäèòîâèé çàëèøîê íà ðàõóíêó êë³ºíòà ñòàíîì íà 17:00. Äîêóìåíòè, ÿê³ ïðèéíÿò³ ï³ñëÿ 17:30 ïîçíà÷àþòüñÿ ïîì³òêîþ "âå÷³ðíÿ ïîøòà" òà ïðîâîäÿòüñÿ íà íàñòóïíèé äåíü.</FONT></P>
<P class="ps10"><FONT class="fs150">Âêàçàí³ ïëàò³æí³ äîðó÷åííÿ áóëè ïðèéíÿò³ Ïóáë³÷íèì àêö³îíåðíèì òîâàðèñòâîì "Áàíê "Ô³íàíñè òà Êðåäèò", ùî ï³äòâåðäæóºòüñÿ áàíê³âñüêîþ âèïèñêîþ, ïðîòå, &nbsp;â³äïîâ³äà÷åì íå âèêîíàí³.</FONT></P>
<P class="ps10"><FONT class="fs149">18.08.2015 ïîçèâà÷ çâåðíóâñÿ äî â³äïîâ³äà÷à ç ïðåòåíç³ºþ ¹ 1 ïðî çîáîâ'ÿçàííÿ âèêîíàòè óìîâè äîãîâîðó ùîäî âèêîíàííÿ âèùåâêàçàíèõ ïëàò³æíèõ äîðó÷åíü.</FONT></P>
<P class="ps0"><FONT class="fs147">Âêàçàí³ âèùå âèìîãè çàëèøåí³ â³äïîâ³äà÷åì áåç â³äïîâ³ä³ òà çàäîâîëåííÿ. </FONT></P>
<P class="ps12"><FONT class="fs146">Äîñë³äèâøè íàÿâí³ ìàòåð³àëè ñïðàâè, îö³íþþ÷è íàäàí³ äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà âñåá³÷íîìó, ïîâíîìó ³ îáºêòèâíîìó ðîçãëÿä³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, ñóä ä³éøîâ âèñíîâêó ïðî ÷àñòêîâå &nbsp;çàäîâîëåííÿ ïîçîâíèõ âèìîã, ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps11"><FONT class="fs145">Â³äïîâ³äíî äî ÷. 1, 2 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. Çîáîâ'ÿçàííÿ âèíèêàþòü ç ï³äñòàâ, âñòàíîâëåíèõ ñòàòòåþ 11 öüîãî Êîäåêñó.</FONT></P>
<P class="ps11"><FONT class="fs144">Çã³äíî ç³ ñò. 11 ÖÊ Óêðà¿íè öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ùî ïåðåäáà÷åí³ àêòàìè öèâ³ëüíîãî çàêîíîäàâñòâà, à òàêîæ ³ç ä³é îñ³á, ùî íå ïåðåäáà÷åí³ öèìè àêòàìè, àëå çà àíàëîã³ºþ ïîðîäæóþòü öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè; ï³äñòàâàìè âèíèêíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â, çîêðåìà, º äîãîâîðè òà ³íø³ ïðàâî÷èíè.</FONT></P>
<P class="ps11"><FONT class="fs143">×àñòèíîþ ïåðøîþ ñòàòò³ 626 ÖÊ Óêðà¿íè âèçíà÷åíî, ùî äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</FONT></P>
<P class="ps11"><FONT class="fs142">Çã³äíî ç³ ñò. 628 ÖÊ Óêðà¿íè çì³ñò äîãîâîðó ñòàíîâëÿòü óìîâè (ïóíêòè), âèçíà÷åí³ íà ðîçñóä ñòîð³í ³ ïîãîäæåí³ íèìè, òà óìîâè, ÿê³ º îáîâ'ÿçêîâèìè â³äïîâ³äíî äî àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps13"><FONT class="fs141">Íîðìàìè ñòàòò³ 1066 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³ ÖÊ Óêðà¿íè) âñòàíîâëåíî, ùî çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps13"><FONT class="fs140">Çã³äíî ñòàò³ 1068 ÖÊ Óêðà¿íè, áàíê çîáîâ'ÿçàíèé çàðàõóâàòè ãðîøîâ³ êîøòè, ùî íàä³éøëè íà ðàõóíîê êë³ºíòà, â äåíü íàäõîäæåííÿ äî áàíêó â³äïîâ³äíîãî ðîçðàõóíêîâîãî äîêóìåíòà, ÿêùî ³íøèé ñòðîê íå âñòàíîâëåíèé äîãîâîðîì áàíê³âñüêîãî ðàõóíêà àáî çàêîíîì. </FONT></P>
<P class="ps13"><FONT class="fs139">Ïîëîæåííÿìè ñòàòò³ 1071 ÖÊ Óêðà¿íè âèçíà÷åíî, ùî áàíê ìîæå ñïèñàòè ãðîøîâ³ êîøòè ç ðàõóíêà êë³ºíòà íà ï³äñòàâ³ éîãî ðîçïîðÿäæåííÿ.</FONT></P>
<P class="ps13"><FONT class="fs138">Â³äïîâ³äíî äî ï. 8.1 ñòàòò³ 8 Çàêîíó Óêðà¿íè "Ïðî ïëàò³æí³ ñèñòåìè òà ïåðåêàç êîøò³â â Óêðà¿í³" áàíê çîáîâÿçàíèé âèêîíàòè äîðó÷åííÿ êë³ºíòà, ùî ì³ñòèòüñÿ â ðîçðàõóíêîâîìó äîêóìåíò³, ÿêèé íàä³éøîâ ïðîòÿãîì îïåðàö³éíîãî ÷àñó áàíêó, â äåíü éîãî íàäõîäæåííÿ. Ó ðàç³ íàäõîäæåííÿ ðîçðàõóíêîâîãî äîêóìåíòà êë³ºíòà äî îáñëóãîâóþ÷îãî áàíêó ï³ñëÿ çàê³í÷åííÿ îïåðàö³éíîãî ÷àñó áàíê çîáîâÿçàíèé âèêîíàòè äîðó÷åííÿ êë³ºíòà, ùî ì³ñòèòüñÿ â öüîìó ðîçðàõóíêîâîìó äîêóìåíò³, íå ï³çí³øå íàñòóïíîãî ðîáî÷îãî äíÿ. </FONT></P>
<P class="ps13"><FONT class="fs137">Ïåðåêàç ââàæàºòüñÿ çàâåðøåíèì ç ìîìåíòó çàðàõóâàííÿ ñóìè ïåðåêàçó íà ðàõóíîê îòðèìóâà÷à àáî &nbsp;âèäà÷³ éîìó â ãîò³âêîâ³é ôîðì³ (ïóíêò 30.1 ñòàòò³ 30 çàçíà÷åíîãî Çàêîíó).</FONT></P>
<P class="ps13"><FONT class="fs136">Îáìåæåííÿ ïðàâ êë³ºíòà ùîäî ðîçïîðÿäæàííÿ ãðîøîâèìè êîøòàìè, ùî çíàõîäÿòüñÿ íà éîãî ðàõóíêó, íå äîïóñêàºòüñÿ, êð³ì âèïàäê³â îáìåæåííÿ ïðàâà ðîçïîðÿäæàííÿ ðàõóíêîì çà ð³øåííÿì ñóäó àáî â ³íøèõ âèïàäêàõ, âñòàíîâëåíèõ çàêîíîì, à òàêîæ ó ðàç³ çóïèíåííÿ ô³íàíñîâèõ îïåðàö³é, ÿê³ ìîæóòü áóòè ïîâ'ÿçàí³ ç ëåãàë³çàö³ºþ (â³äìèâàííÿì) äîõîä³â, îäåðæàíèõ çëî÷èííèì øëÿõîì, àáî ô³íàíñóâàííÿì òåðîðèçìó, ïåðåäáà÷åíèõ çàêîíîì (ñòàòòÿ 1074 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps13"><FONT class="fs134">Ôàêò ïåðåáóâàííÿ çàçíà÷åíèõ &nbsp;ãðîøîâèõ êîøò³â íà áàíê³âñüêîìó ðàõóíêó ïîçèâà÷à ï³äòâåðäæóºòüñÿ íàÿâíîþ â ìàòåð³àëàõ ñïðàâè âèïèñêîþ ç áàíê³âñüêîãî ðàõóíêó ïîçèâà÷à çà ïåð³îä ç 13.08.2015 ïî 25.08.2015.</FONT></P>
<P class="ps13"><FONT class="fs133">Ï³äñòàâè ðîç³ðâàííÿ äîãîâîðó áàíê³âñüêîãî ðàõóíêó ïåðåäáà÷åí³ ïîëîæåííÿìè ñòàòò³ 1075 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps13"><FONT class="fs132">Òàê, äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ðîçðèâàºòüñÿ çà çàÿâîþ êë³ºíòà ó áóäü-ÿêèé ÷àñ (÷àñòèíà 1 ñòàòò³ 1075 ÖÊ Óêðà¿íè). </FONT></P>
<P class="ps13"><FONT class="fs131">Çã³äíî ç ÷. 1 ï. 20.1 ²íñòðóêö³¿ ïðî ïîðÿäîê â³äêðèòòÿ, âèêîðèñòàííÿ ³ çàêðèòòÿ ðàõóíê³â ó íàö³îíàëüí³é òà ³íîçåìí³é âàëþòàõ, çàòâåðäæåíî¿ ïîñòàíîâîþ ïðàâë³ííÿ Íàö³îíàëüíîãî áàíêó Óêðà¿íè ¹ 492 â³ä 12.11.2013 òà çàðåºñòðîâàíî¿ â Ì³í³ñòåðñòâ³ þñòèö³¿ Óêðà¿íè 17.12.2003 çà ¹ 1172/8493, ïîòî÷í³ ðàõóíêè êë³ºíò³â áàíê³â çàêðèâàþòüñÿ íà ï³äñòàâ³ çàÿâè êë³ºíòà.</FONT></P>
<P class="ps13"><FONT class="fs130">Â³äïîâ³äíî äî ï. 20.5 ²íñòðóêö³¿, çàêðèòòÿ ïîòî÷íîãî ðàõóíêó çà áàæàííÿì êë³ºíòà çä³éñíþºòüñÿ íà ï³äñòàâ³ éîãî çàÿâè ïðî çàêðèòòÿ ïîòî÷íîãî ðàõóíêó, ñêëàäåíî¿ â äîâ³ëüí³é ôîðì³ ³ç çàçíà÷åííÿì òàêèõ îáîâ'ÿçêîâèõ ðåêâ³çèò³â: íàéìåíóâàííÿ áàíêó, íàéìåíóâàííÿ (ïð³çâèùà, ³ì'ÿ, ïî áàòüêîâ³), êîäó çà ªÄÐÏÎÓ (ðåºñòðàö³éíîãî íîìåðà îáë³êîâî¿ êàðòêè) âëàñíèêà ðàõóíêó, íîìåðà ðàõóíêó, ÿêèé çàêðèâàºòüñÿ, äàòè ñêëàäàííÿ çàÿâè. Çàÿâà ïðî çàêðèòòÿ ïîòî÷íîãî ðàõóíêó þðèäè÷íî¿ îñîáè ï³äïèñóºòüñÿ êåð³âíèêîì þðèäè÷íî¿ îñîáè àáî ³íøîþ óïîâíîâàæåíîþ íà öå îñîáîþ ³ çàñâ³ä÷óºòüñÿ â³äáèòêîì ïå÷àòêè þðèäè÷íî¿ îñîáè.</FONT></P>
<P class="ps13"><FONT class="fs129">Çã³äíî ç ï. 20.6. ²íñòðóêö³¿, áàíê çà íàÿâíîñò³ êîøò³â íà ïîòî÷íîìó ðàõóíêó, ÿêèé çàêðèâàºòüñÿ íà ï³äñòàâ³ çàÿâè êë³ºíòà, çä³éñíþº çàâåðøàëüí³ îïåðàö³¿ çà ðàõóíêîì (ç âèêîíàííÿ ïëàò³æíèõ âèìîã íà ïðèìóñîâå ñïèñàííÿ (ñòÿãíåííÿ) êîøò³â, âèïëàòè êîøò³â ãîò³âêîþ, ïåðåðàõóâàííÿ çàëèøêó êîøò³â çã³äíî ç äîðó÷åííÿì êë³ºíòà òîùî).</FONT></P>
<P class="ps13"><FONT class="fs128">Îòæå, â³äïîâ³äíî äî ïðèïèñ³â ÷èííîãî çàêîíîäàâñòâà òà óìîâ äîãîâîðó ïîçèâà÷ ìàº ïðàâî ïðèéíÿòè ð³øåííÿ ïðî çàêðèòòÿ ïîòî÷íîãî ðàõóíêó òà ïîäàòè â³äïîâ³äà÷ó çàÿâó, à â³äïîâ³äà÷, â ñâîþ ÷åðãó, çîáîâÿçàíèé âêàçàíó çàÿâó âèêîíàòè òà çàêðèòè ïîòî÷íèé ðàõóíîê.</FONT></P>
<P class="ps13"><FONT class="fs126">Â³äïîâ³äíî äî ñòàòò³ 629 ÖÊ Óêðà¿íè, äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps13"><FONT class="fs125">Çã³äíî ç³ ñòàòòÿìè 525, 526, 530 ÖÊ Óêðà¿íè, ñòàòòåþ 193 ÃÊ Óêðà¿íè çîáîâ'ÿçàííÿ ìàþòü âèêîíóâàòèñÿ íàëåæíèì ÷èíîì òà ó âñòàíîâëåíèé ñòðîê â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó, îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ'ÿçàííÿ íå äîïóñêàºòüñÿ.</FONT></P>
<P class="ps13"><FONT class="fs124">Çã³äíî ç³ ñò. 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps13"><FONT class="fs123">Ï³äñòàâè äëÿ çì³íè àáî ðîç³ðâàííÿ äîãîâîðó âèçíà÷åí³ ñò. 651 ÖÊ Óêðà¿íè.</FONT></P>
<P class="ps13"><FONT class="fs122">Òàê, â³äïîâ³äíî äî ñò. 651 ÖÊ Óêðà¿íè çì³íà àáî ðîç³ðâàííÿ äîãîâîðó äîïóñêàºòüñÿ ëèøå çà çãîäîþ ñòîð³í, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì; ó ðàç³ îäíîñòîðîííüî¿ â³äìîâè â³ä äîãîâîðó ó ïîâíîìó îáñÿç³ àáî ÷àñòêîâî, ÿêùî ïðàâî íà òàêó â³äìîâó âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì, äîãîâ³ð º â³äïîâ³äíî ðîç³ðâàíèì àáî çì³íåíèì. </FONT></P>
<P class="ps13"><FONT class="fs121">Äîãîâ³ð ìîæå áóòè çì³íåíî àáî ðîç³ðâàíî çà ð³øåííÿì ñóäó íà âèìîãó îäí³º¿ ³ç ñòîð³í ó ðàç³ ³ñòîòíîãî ïîðóøåííÿ äîãîâîðó äðóãîþ ñòîðîíîþ òà â ³íøèõ âèïàäêàõ, âñòàíîâëåíèõ äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps13"><FONT class="fs120">²ñòîòíèì º òàêå ïîðóøåííÿ ñòîðîíîþ äîãîâîðó, êîëè âíàñë³äîê çàâäàíî¿ öèì øêîäè äðóãà ñòîðîíà çíà÷íîþ ì³ðîþ ïîçáàâëÿºòüñÿ òîãî, íà ùî âîíà ðîçðàõîâóâàëà ïðè óêëàäåíí³ äîãîâîðó. </FONT></P>
<P class="ps13"><FONT class="fs117">Çã³äíî ç ÷. 1 ñòàòò³ 32 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè äîêàçàìè ó ñïðàâ³ º áóäü-ÿê³ ôàêòè÷í³ äàí³, íà ï³äñòàâ³ ÿêèõ ãîñïîäàðñüêèé ñóä ó âèçíà÷åíîìó çàêîíîì ïîðÿäêó âñòàíîâëþº íàÿâí³ñòü ÷è â³äñóòí³ñòü îáñòàâèí, íà ÿêèõ ´ðóíòóþòüñÿ âèìîãè ³ çàïåðå÷åííÿ ñòîð³í, à òàêîæ ³íø³ îáñòàâèíè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ïðàâèëüíîãî âèð³øåííÿ ãîñïîäàðñüêîãî ñïîðó.</FONT></P>
<P class="ps8"><FONT class="fs116">×àñòèíà 1 ñò. 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã ³ çàïåðå÷åíü.</FONT></P>
<P class="ps8"><FONT class="fs115">Çã³äíî ç ÷. 2 ñò. 34 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñÿ ³íøèìè çàñîáàìè äîêàçóâàííÿ.</FONT></P>
<P class="ps13"><FONT class="fs114">Â³äïîâ³äà÷åì îáñòàâèí, âèêëàäåíèõ ó ïîçîâ³ íå ñïðîñòîâàíî, äîêàç³â âèêîíàííÿ ïëàò³æíèõ äîðó÷åíü òà çàêðèòòÿ ðàõóíêó ïîçèâà÷à íå íàäàíî. </FONT></P>
<P class="ps13"><FONT class="fs111">ßê âñòàíîâëåíî ñóäîì</FONT><FONT class="fs60">, </FONT><FONT class="fs110">íà ï³äñòàâ³ ïîñòàíîâè Ïðàâë³ííÿ Íàö³îíàëüíîãî áàíêó Óêðà¿íè â³ä 17.09.2015 ¹ 612 "Ïðî â³äíåñåííÿ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Áàíê "Ô³íàíñè òà Êðåäèò" äî êàòåãîð³¿ íåïëàòîñïðîìîæíèõ" âèêîíàâ÷îþ äèðåêö³ºþ Ôîíäó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á ïðèéíÿòî ð³øåííÿ â³ä 17.09.2015 ¹ 171 "Ïðî çàïðîâàäæåííÿ òèì÷àñîâî¿ àäì³í³ñòðàö³¿ ó ÏÀÒ "Áàíê "Ô³íàíñè òà Êðåäèò", çã³äíî ç ÿêèì ó Áàíêó ç 18.09.2015 ïî 17.12.2015 (âêëþ÷íî) çàïðîâàäæåíî òèì÷àñîâó àäì³í³ñòðàö³þ òà ïðèçíà÷åíî óïîâíîâàæåíó îñîáó Ôîíäó.</FONT></P>
<P class="ps10"><FONT class="fs107">Òàêèì ÷èíîì, ñòàíîì íà ìîìåíò ðîçãëÿäó äàíîãî ñïîðó ãîñïîäàðñüêèì ñóäîì, ó â³äïîâ³äà÷à çàïðîâàäæåíî òèì÷àñîâó àäì³í³ñòðàö³þ.</FONT></P>
<P class="ps13"><FONT class="fs106">Ïîëîæåííÿìè ñòàòò³ 76 Çàêîíó Óêðà¿íè "Ïðî áàíêè ³ áàíê³âñüêó ä³ÿëüí³ñòü" â³ä 07.12.2000 ¹ 2121-III ïåðåäáà÷åíî, ùî Íàö³îíàëüíèé áàíê Óêðà¿íè íå ï³çí³øå äíÿ, íàñòóïíîãî çà äíåì ïðèéíÿòòÿ ð³øåííÿ ïðî â³äíåñåííÿ áàíêó äî êàòåãîð³¿ íåïëàòîñïðîìîæíèõ, ïîâ³äîìëÿº ïðî öå ð³øåííÿ Ôîíä ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á äëÿ âæèòòÿ íèì çàõîä³â, ïåðåäáà÷åíèõ Çàêîíîì Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á".</FONT></P>
<P class="ps13"><FONT class="fs105">Ñòàòòåþ 1 çàêîíó Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á" â³ä 23.02.2012 ¹ 4452-VI âèçíà÷åíî, ùî öèì çàêîíîì âñòàíîâëþþòüñÿ ïðàâîâ³, ô³íàíñîâ³ òà îðãàí³çàö³éí³ çàñàäè ôóíêö³îíóâàííÿ ñèñòåìè ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á, ïîâíîâàæåííÿ Ôîíäó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á (äàë³ - Ôîíä), ïîðÿäîê âèïëàòè Ôîíäîì â³äøêîäóâàííÿ çà âêëàäàìè, à òàêîæ ðåãóëþþòüñÿ â³äíîñèíè ì³æ Ôîíäîì, áàíêàìè, Íàö³îíàëüíèì áàíêîì Óêðà¿íè, âèçíà÷àþòüñÿ ïîâíîâàæåííÿ òà ôóíêö³¿ Ôîíäó ùîäî âèâåäåííÿ íåïëàòîñïðîìîæíèõ áàíê³â ç ðèíêó ³ ë³êâ³äàö³¿ áàíê³â.</FONT></P>
<P class="ps13"><FONT class="fs104">Ìåòîþ öüîãî Çàêîíó º çàõèñò ïðàâ ³ çàêîííèõ ³íòåðåñ³â âêëàäíèê³â áàíê³â, çì³öíåííÿ äîâ³ðè äî áàíê³âñüêî¿ ñèñòåìè Óêðà¿íè, ñòèìóëþâàííÿ çàëó÷åííÿ êîøò³â ó áàíê³âñüêó ñèñòåìó Óêðà¿íè, çàáåçïå÷åííÿ åôåêòèâíî¿ ïðîöåäóðè âèâåäåííÿ íåïëàòîñïðîìîæíèõ áàíê³â ç ðèíêó òà ë³êâ³äàö³¿ áàíê³â.</FONT></P>
<P class="ps13"><FONT class="fs103">Â³äíîñèíè, ùî âèíèêàþòü ó çâ'ÿçêó ³ç ñòâîðåííÿì ³ ôóíêö³îíóâàííÿì ñèñòåìè ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á, âèâåäåííÿì íåïëàòîñïðîìîæíèõ áàíê³â ç ðèíêó òà ë³êâ³äàö³¿ áàíê³â, ðåãóëþþòüñÿ öèì Çàêîíîì, ³íøèìè çàêîíàìè Óêðà¿íè, íîðìàòèâíî-ïðàâîâèìè àêòàìè Ôîíäó òà Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps8"><FONT class="fs102">×àñòèíîþ 5 ñòàòò³ 36 Çàêîíó Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á" âèçíà÷åíî, ùî ï³ä ÷àñ òèì÷àñîâî¿ àäì³í³ñòðàö³¿ íå çä³éñíþºòüñÿ: </FONT></P>
<P class="ps8"><FONT class="fs101">1) çàäîâîëåííÿ âèìîã âêëàäíèê³â òà ³íøèõ êðåäèòîð³â áàíêó;</FONT></P>
<P class="ps8"><FONT class="fs100">2) ïðèìóñîâå ñòÿãíåííÿ ìàéíà (ó òîìó ÷èñë³ êîøò³â) áàíêó, íàêëàäåííÿ àðåøòó òà çâåðíåííÿ ñòÿãíåííÿ íà ìàéíî (ó òîìó ÷èñë³ êîøòè) áàíêó (âèêîíàâ÷å ïðîâàäæåííÿ ùîäî áàíêó çóïèíÿºòüñÿ, ó òîìó ÷èñë³ çí³ìàþòüñÿ àðåøòè, íàêëàäåí³ íà ìàéíî (ó òîìó ÷èñë³ íà êîøòè) áàíêó, à òàêîæ ñêàñîâóþòüñÿ ³íø³ âæèò³ çàõîäè ïðèìóñîâîãî çàáåçïå÷åííÿ âèêîíàííÿ ð³øåííÿ ùîäî áàíêó);</FONT></P>
<P class="ps8"><FONT class="fs99">3) íàðàõóâàííÿ íåóñòîéêè (øòðàô³â, ïåí³), ³íøèõ ô³íàíñîâèõ (åêîíîì³÷íèõ) ñàíêö³é çà íåâèêîíàííÿ ÷è íåíàëåæíå âèêîíàííÿ çîáîâ'ÿçàíü ùîäî ñïëàòè ïîäàòê³â ³ çáîð³â (îáîâ'ÿçêîâèõ ïëàòåæ³â), à òàêîæ çîáîâ'ÿçàíü ïåðåä êðåäèòîðàìè, ó òîìó ÷èñë³ íå çàñòîñîâóºòüñÿ ³íäåêñ ³íôëÿö³¿ çà âåñü ÷àñ ïðîñòðî÷åííÿ âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü áàíêó;</FONT></P>
<P class="ps8"><FONT class="fs98">4) çàðàõóâàííÿ çóñòð³÷íèõ âèìîã, ó òîìó ÷èñë³ çóñòð³÷íèõ îäíîð³äíèõ âèìîã, ïðèïèíåííÿ çîáîâ'ÿçàíü çà äîìîâëåí³ñòþ (çãîäîþ) ñòîð³í (ó òîìó ÷èñë³ øëÿõîì äîãîâ³ðíîãî ñïèñàííÿ), ïîºäíàííÿì áîðæíèêà ³ êðåäèòîðà â îäí³é îñîá³;</FONT></P>
<P class="ps8"><FONT class="fs97">5) íàðàõóâàííÿ â³äñîòê³â çà çîáîâ'ÿçàííÿìè áàíêó ïåðåä âêëàäíèêàìè òà êðåäèòîðàìè.</FONT></P>
<P class="ps8"><FONT class="fs96">Ñóä áåðå äî óâàãè, ùî ïóíêòîì 1 ÷àñòèíè 6 ñòàòò³ 36 äàíîãî Çàêîíó ïåðåäáà÷åíî, ùî îáìåæåííÿ, âñòàíîâëåíå ïóíêòîì 1 ÷àñòèíè ïÿòî¿ ö³º¿ ñòàòò³, íå ïîøèðþºòüñÿ íà çîáîâÿçàííÿ áàíêó ùîäî âèïëàòè êîøò³â çà âêëàäàìè âêëàäíèê³â çà äîãîâîðàìè, ñòðîê ÿêèõ çàê³í÷èâñÿ, òà çà äîãîâîðàìè áàíê³âñüêîãî ðàõóíêó âêëàäíèê³â. Çàçíà÷åí³ âèïëàòè çä³éñíþþòüñÿ â ìåæàõ ñóìè â³äøêîäóâàííÿ, ùî ãàðàíòóºòüñÿ Ôîíäîì.</FONT></P>
<P class="ps8"><FONT class="fs95">Îäíàê, çã³äíî ç ïóíêòó 4 ÷àñòèíè 1 ñòàòò³ 2 Çàêîíó Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á" ó öüîìó Çàêîí³ òåðì³í "âêëàäíèê" âæèâàºòüñÿ ó çíà÷åí³ "ô³çè÷íà îñîáà (ó òîìó ÷èñë³ ô³çè÷íà îñîáà - ï³äïðèºìåöü), ÿêà óêëàëà àáî íà êîðèñòü ÿêî¿ óêëàäåíî äîãîâ³ð áàíê³âñüêîãî âêëàäó (äåïîçèòó), áàíê³âñüêîãî ðàõóíêó àáî ÿêà º âëàñíèêîì ³ìåííîãî äåïîçèòíîãî ñåðòèô³êàòà".</FONT></P>
<P class="ps8"><FONT class="fs94">À òîìó, âðàõîâóþ÷è äàíó íîðìó, þðèäè÷í³ îñîáè íå ï³äïàäàþòü ï³ä âèçíà÷åííÿ ïîíÿòòÿ "âêëàäíèê" ó ðîçóì³íí³ âèùåâêàçàíîãî Çàêîíó. </FONT></P>
<P class="ps8"><FONT class="fs93">Âîäíî÷àñ, ó ïóíêò³ 5-4 ñòàòò³ 2 äàíîãî Çàêîíó ï³ä ïîíÿòòÿì "êðåäèòîð" ðîçóì³ºòüñÿ  þðèäè÷íà àáî ô³çè÷íà îñîáà, ÿêà ìàº äîêóìåíòàëüíî ï³äòâåðäæåí³ âèìîãè äî áàíêó ùîäî éîãî ìàéíîâèõ çîáîâÿçàíü.</FONT></P>
<P class="ps8"><FONT class="fs91">Àíàëîã³÷íó ïðàâîâó ïîçèö³þ íàâåäåíî ó ïîñòàíîâàõ Âåðõîâíîãî Ñóäó Óêðà¿íè â³ä 25.03.2015 ó ñïðàâ³ ¹3-24ãñ15 òà â³ä 01.04.2015 ó ñïðàâ³ ¹3-25ãñ15.</FONT></P>
<P class="ps9"><FONT class="fs90">Ï³ñëÿ çàïðîâàäæåííÿ ó áàíêó òèì÷àñîâî¿ àäì³í³ñòðàö³¿ (ç ìåòîþ âèâåäåííÿ öüîãî áàíêó ç ðèíêó) òà ïåðåõîäó äî ïðîöåäóðè ë³êâ³äàö³¿ áàíêó, çàäîâîëåííÿ âèìîã êðåäèòîð³â â³äáóâàºòüñÿ ó îñîáëèâîìó, ïåðåäáà÷åíîìó çàçíà÷åíèì ñïåö³àëüíèì Çàêîíîì ïîðÿäêó, ç äîòðèìàííÿì ïðèíöèï³â ÷åðãîâîñò³, ïåðåäáà÷åíî¿ ñò. 52 öüîãî Çàêîíó, òà âèõîäÿ÷è ç òîãî, ùî íàéâèùèé ïð³îðèòåò ìàþòü çîáîâ'ÿçàííÿ áàíêó çà âêëàäàìè ô³çè÷íèõ îñ³á, ãàðàíòîâàíèìè Ôîíäîì.</FONT></P>
<P class="ps9"><FONT class="fs88">Ïðè öüîìó, ñóä çâåðòàº óâàãó íà òå, ùî ïîçèâà÷ íå ïîçáàâëåíèé ìîæëèâîñò³ çàõèñòèòè ñâî¿ ìàéíîâ³ ïðàâà çà äîãîâîðîì áàíê³âñüêîãî ðàõóíêó â ïîðÿäêó ïåðåäáà÷åíîìó Çàêîíîì Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á".</FONT></P>
<P class="ps9"><FONT class="fs87">Âðàõîâóþ÷è âèùåíàâåäåíå, ïîëîæåííÿ Çàêîíó Óêðà¿íè "Ïðî ñèñòåìó ãàðàíòóâàííÿ âêëàä³â ô³çè÷íèõ îñ³á", ñóä ä³éøîâ âèñíîâêó ïðî â³äìîâó â çàäîâîëåíí³ ïîçîâíèõ âèìîã Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÌîäóëüÒåõ" äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Áàíê "Ô³íàíñè òà Êðåäèò" ïðî ñòÿãíåííÿ 70 736,19 ãðí.</FONT></P>
<P class="ps9"><FONT class="fs86">Ï³äñóìîâóþ÷è âèùåíàâåäåíå ñóä çàäîâîëüíÿº ïîçîâ Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÌîäóëüÒåõ" ÷àñòêîâî.</FONT></P>
<P class="ps9"><FONT class="fs85">Ñóäîâ³ âèòðàòè ïî ñïðàâ³, â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè, ïîêëàäàþòüñÿ íà ñòîðîíè ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ ïîçîâíèõ âèìîã.</FONT></P>
<P class="ps9"><FONT class="fs84">Êåðóþ÷èñü ñò. ñò. 4, 32-34, 43, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, &nbsp;ãîñïîäàðñüêèé ñóä</FONT><FONT class="fs66"> </FONT></P>
<P class="ps15"><FONT class="fs65">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps4"><FONT class="fs83">1.          Ïîçîâ çàäîâîëüíèòè ÷àñòêîâî.</FONT></P>
<P class="ps4"><FONT class="fs80">4.          Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè íàêàç.</FONT></P>
<P class="ps4"><FONT class="fs79">5.          Â ³íø³é ÷àñòèí³ ïîçîâíèõ âèìîã â³äìîâèòè.</FONT></P>
<P class="ps8"><FONT class="fs187">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. </FONT></P>
<P><FONT class="fs186">          Ïîâíèé òåêñò ð³øåííÿ ñêëàäåíî òà ï³äïèñàíî &nbsp;19.10.2015 ð.</FONT></P>
<P><FONT class="fs64">Ñóääÿ                                                                                                              Ñ.Î. Òóð÷èí </FONT></P>