<TITLE>916/2623/15</TITLE>
<!-- BEGIN METADATA -->
<!-- Íàéìåíóâàííÿ ôàéëà ç ð³øåííÿì -->
<META NAME="FILENAME" CONTENT="5037_1252410.html">
<!-- 1,2 ID ð³øåííÿ TAGNAME(DOCID, DOCORGID) - íóæíî äëÿ ïîëó÷åíèÿ ïîäòâåðæäåíèÿ ðååñòðàöèè -->
<META NAME="DOCID" CONTENT="1252410">
<META NAME="DOCORGID" CONTENT="105">
<!-- [3] Íàéìåíóâàííÿ ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(COURTNAME) -->
<META NAME="COURTNAME" CONTENT="Îäåñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé ñóä">
<!-- [4] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT) -->
<META NAME="CAUSECOURT" CONTENT="5037">
<!-- [4.1] Êîä ñóäó, ÿêèé óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ TAGNAME(CAUSECOURT2013) -->
<META NAME="CAUSECOURT2013" CONTENT="975">
<!-- [5] Ñïðàâà íîìåð TAGNAME(CAUSENUM) -->
<META NAME="CAUSENUM" CONTENT="916/2623/15">
<!-- [6] Äàòà ñïðàâè TAGNAME(CAUSEDATE) -->
<META NAME="CAUSEDATE" CONTENT="29.09.2015">
<!-- [7] Äàòà óõâàëåííÿ ð³øåííÿ TAGNAME(DOCDATE) -->
<META NAME="DOCDATE" CONTENT="02.12.2015">
<!-- [9] Ôîðìà ð³øåííÿ (ID) TAGNAME(DOCTYPE) -->
<!-- ð³øåííÿ = 2 -->
<!-- ïîñòàíîâà = 3 -->
<!-- óõâàëà ñóäó = 4 -->
<!-- ñóäîâèé íàêàç = 5 -->
<!-- îêðåìà óõâàëà = 6 -->
<META NAME="DOCTYPE" CONTENT="3">
<!-- [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="4601">
<!-- [12] Ñïðàâà ðîçãëÿäàºòüñÿ ïî ³íñòàíö³¿ (ID) TAGNAME(CAUSELOCATION) -->
<!-- àïåëÿö³éí³é = A -->
<!-- êàñàö³éí³é = C -->
<META NAME="CAUSELOCATION" CONTENT="A">
<!-- [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) -->
<META NAME="PREVCAUSENUM" CONTENT="916/2623/15">
<!-- [16] Äàòà ñóäîâî¿ ñïðàâè, ð³øåííÿ â ÿê³é ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSEDATE) -->
<!-- [17] Äàòà óõâàëåííÿ (ïîñòàíîâëåííÿ) ñóäîâîãî ð³øåííÿ, ùî ïåðåãëÿäàºòüñÿ TAGNAME(PREVRESCAUSEDATE) -->
<META NAME="PREVRESCAUSEDATE" CONTENT="11.09.2015">
<!-- [18] Ñóä, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCOURTNAME) -->
<META NAME="PREVCOURTNAME" CONTENT="Ãîñïîäàðñüêèé ñóä Îäåñüêî¿ îáëàñò³">
<!-- [19] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT) -->
<META NAME="PREVCAUSECOURT" CONTENT="5017">
<!-- [19.1] Êîä ñóäó, ùî óõâàëèâ (ïîñòàíîâèâ) ñóäîâå ð³øåííÿ, ÿêå ïåðåãëÿäàºòüñÿ TAGNAME(PREVCAUSECOURT2013) -->
<META NAME="PREVCAUSECOURT2013" CONTENT="916">
<!-- [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="Ë³ï÷àíñüêà Í.Â.">
<!-- [26] ÊÎÄ ÑÓÄÄ² TAGNAME(JUDGECODE) -->
<!-- [24] Ïîðÿäêîâèé íîìåð TAGNAME(JUDGEPOSITION) -->
<META NAME="JUDGEPOSITION2" CONTENT="2">
<!-- [25] ÏÐ²ÇÂÈÙÅ, ²Í²Ö²ÀËÈ TAGNAME(JUDGENAME) -->
<META NAME="JUDGENAME2" CONTENT="Ñàâèöüêèé ß.Ô.">
<!-- [26] ÊÎÄ ÑÓÄÄ² TAGNAME(JUDGECODE) -->
<!-- [24] Ïîðÿäêîâèé íîìåð TAGNAME(JUDGEPOSITION) -->
<META NAME="JUDGEPOSITION3" CONTENT="3">
<!-- [25] ÏÐ²ÇÂÈÙÅ, ²Í²Ö²ÀËÈ TAGNAME(JUDGENAME) -->
<META NAME="JUDGENAME3" CONTENT="Ãëàäèøåâà Ò.ß.">
<!-- [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="Z">
<!-- [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="ÒÎÂ &quot;ªâðîñïåöñòðîé&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="38643434">
<!-- [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="ÒÎÂ &quot;ªâðîñïåöñòðîé&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="38643434">
<!-- [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">
<!-- [27] Ïîðÿäêîâèé íîìåð TAGNAME(MEMBPOSITION) -->
<META NAME="MEMBPOSITION3" CONTENT="3">
<!-- [28] Òèï ñòîðîíè (ID): TAGNAME(MEMBTYPE) -->
<!-- ïîçèâà÷ = P -->
<!-- â³äïîâ³äà÷ = V -->
<META NAME="MEMBTYPE3" 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="MEMBPOZYVACHTYPE3" 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="MEMBVIDPOVIDACHTYPE3" CONTENT="">
<!-- [31] Òèï îñîáè (ID): TAGNAME(MEMBOSOBATYPE) -->
<!-- þðèäè÷íà = U -->
<!-- ô³çè÷íà = F -->
<META NAME="MEMBOSOBATYPE3" CONTENT="U">
<!-- [32] Ïîâíà íàçâà (äëÿ þðèäè÷íèõ) àáî Ïð³çâèùå òà ³í³ö³àëè (äëÿ ô³çè÷íèõ) TAGNAME(MEMBNAME) -->
<META NAME="MEMBNAME3" CONTENT="ÏÀÒ ÊÁ &quot;Ïðèâàòáàíê&quot;">
<!-- [33] Öèôðîâå àáî ë³òåðíå ïîçíà÷åííÿ TAGNAME(MEMBSHORT) -->
<META NAME="MEMBSHORT3" CONTENT="Ïîçèâà÷ 2">
<!-- [34] Êîä ªÄÐÏÎÓ (äëÿ þðèäè÷íèõ) TAGNAME(MEMBOKPO) -->
<META NAME="MEMBOKPO3" 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="CHASTDERGVL3" 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="08.12.2015 11:05:00">
<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;
vertical-align: super;
text-decoration: underline;
font-family: Times New Roman;
margin-bottom: 0 mm;
white-space: normal;
word-spacing: normal;
text-align: justify;
text-align: justify;
text-align: justify;
text-indent: -38 mm;
text-align: justify;
text-align: justify;
text-align: justify;
margin-bottom: 2 mm;
text-align: justify;
text-align: justify;
text-align: justify;
margin-bottom: 2 mm;
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-width: 0 mm;
border-right-width: 0 mm;
border-top-width: 0 mm;
border-bottom-width: 0 mm;
border-left-style: none;
border-right-style: none;
border-top-style: none;
border-bottom-style: none;
<P class="ps16"><FONT class="fs187"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs191"><IMG src="herb.gif" height=67 width=50></FONT></P>
<P class="ps12"><FONT class="fs104">ÎÄÅÑÜÊÈÉ ÀÏÅËßÖ²ÉÍÈÉ ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ</FONT></P>
<P class="ps12"><FONT class="fs106">_____________________________________________________________________________________________</FONT></P>
<P class="ps12"><FONT class="fs103">Ï Î Ñ Ò À Í Î Â À</FONT></P>
<P class="ps12"><FONT class="fs183">²ÌÅÍÅÌ &nbsp;ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="49 %" class="tds6"><P class="ps14">"02" ãðóäíÿ 2015 ð.</P></TD><TD width="51 %" class="tds6"><P class="ps15"><FONT class="fs127">Ñïðàâà ¹ 916/2623/15</FONT></P></TD></TR>
<P class="ps3"><FONT class="fs125">Îäåñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé &nbsp;ñóä ó ñêëàä³: &nbsp;</FONT></P>
<P class="ps9"><FONT class="fs124">ãîëîâóþ÷îãî ñóää³</FONT><FONT class="fs182">: Ë³ï÷àíñüêî¿ Í.Â.,</FONT></P>
<P class="ps9"><FONT class="fs123">ñóää³â:</FONT><FONT class="fs181"> Ãëàäèøåâî¿ Ò.ß., Ñàâèöüêîãî ß.Ô.</FONT></P>
<P class="ps2"><FONT class="fs185">(ñêëàä êîëåã³¿ ñóää³â çì³íåíî íà ï³äñòàâ³ ðîçïîðÿäæåííÿ â.î. êåð³âíèêà àïàðàòó ñóäó ¹827 â³ä 25.11.2015ð.)</FONT></P>
<P class="ps9"><FONT class="fs180">Ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ Ñåëèâåðñòîâ³é Ë.Â.,</FONT></P>
<P class="ps2"><FONT class="fs179">ïðåäñòàâíèêè ñòîð³í ó ñóäîâå çàñ³äàííÿ íå ç'ÿâèëèñü, ïðî ÷àñ, äàòó òà ì³ñöå éîãî ïðîâåäåííÿ ïîâ³äîìëåí³ íàëåæíèì ÷èíîì.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps2"><FONT class="fs122">Ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ àïåëÿö³éíó ñêàðãó </FONT><FONT class="fs178">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ªâðîñïåöñòðîé" </FONT></P>
<P class="ps2"><FONT class="fs121">íà ð³øåííÿ </FONT><FONT class="fs177">ãîñïîäàðñüêîãî ñóäó Îäåñüêî¿ îáëàñò³ â³ä 11.09.2015ð.</FONT></P>
<P class="ps2"><FONT class="fs120">ïî ñïðàâ³ </FONT><FONT class="fs176">¹ 916/2623/15</FONT></P>
<P class="ps1"><FONT class="fs119">çà ïîçîâîì: </FONT><FONT class="fs175">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíîãî áàíêó "Ïðèâàòáàíê",</FONT></P>
<P class="ps4"><FONT class="fs118">äî â³äïîâ³äà÷à: </FONT><FONT class="fs174">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ªâðîñïåöñòðîé",</FONT></P>
<P class="ps11"><FONT class="fs116">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps6"><FONT class="fs169">Áàíê ïðîñèâ ãîñïîäàðñüêèé ñóä ñòÿãíóòè âèùåçàçíà÷åíó ñóìó ç ÒÎÂ "ªâðîñïåöñòðîé" íà ï³äñòàâ³ ñò.ñò. 526, 527, 530, 610 ÖÊ Óêðà¿íè, ñò. 193 ÃÊ Óêðà¿íè, ñò.ñò. 1, 15, 49, 54-57, 64 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps6"><FONT class="fs167">Ìîòèâóþ÷è äàíå ð³øåííÿ, ì³ñöåâèé ãîñïîäàðñüêèé ñóä, ïîñèëàþ÷èñü íà ïîëîæåííÿ ñò.ñò. 525, 526, 629 ÖÊ Óêðà¿íè çàçíà÷èâ, ùî çîáîâÿçàííÿ ìàº âèêîíóâàòèñü â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ. Äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps6"><FONT class="fs166">Íå ïîãîäæóþ÷èñü ³ç äàíèì ð³øåííÿì ãîñïîäàðñüêîãî ñóäó, â³äïîâ³äà÷ çâåðíóâñÿ ç àïåëÿö³éíîþ ñêàðãîþ, ââàæàþ÷è âêàçàíå ð³øåííÿ âèíåñåíèì ç ïîðóøåííÿì íîðì ïðîöåñóàëüíîãî òà ìàòåð³àëüíîãî ïðàâà.</FONT></P>
<P class="ps6"><FONT class="fs165">Ñòîðîíè, çã³äíî ïðèïèñ³â ñò. 98 ÃÏÊ Óêðà¿íè, áóëè íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî äåíü, ÷àñ ³ ì³ñöå ðîçãëÿäó àïåëÿö³éíî¿ ñêàðãè, ïðî ùî ñâ³ä÷àòü ïîøòîâ³ ïîâ³äîìëåííÿ ïðî âðó÷åííÿ. Îäíàê, ó ñóäîâå çàñ³äàííÿ ïðåäñòàâíèêè ñòîð³í íå çÿâèëèñü, à òîìó àïåëÿö³éíà ñêàðãà ðîçãëÿäàºòüñÿ çà íàÿâíèìè ìàòåð³àëàìè ñïðàâè íà ï³äñòàâ³ ñò.75 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps7"><FONT class="fs164">Äîñë³äèâøè ìàòåð³àëè ñïðàâè òà äîâîäè àïåëÿö³éíî¿ ñêàðãè, ïåðåâ³ðèâøè ïðàâèëüí³ñòü çàñòîñóâàííÿ ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì íîðì ìàòåð³àëüíîãî òà ïðîöåñóàëüíîãî ïðàâà, ñóäîâà êîëåã³ÿ ââàæàº, ùî ð³øåííÿ ãîñïîäàðñüêîãî ñóäó ñë³ä çàëèøèòè áåç çì³í, à àïåëÿö³éíó ñêàðãó  áåç çàäîâîëåííÿ, âèõîäÿ÷è ç íàñòóïíèõ ï³äñòàâ. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs163">Ó â³äïîâ³äíîñò³ ç ÷. 1 ñò. 181 ÃÊ Óêðà¿íè ãîñïîäàðñüêèé äîãîâ³ð çà çàãàëüíèì ïðàâèëîì âèêëàäàºòüñÿ ó ôîðì³ ºäèíîãî äîêóìåíòà, ï³äïèñàíîãî ñòîðîíàìè òà ñêð³ïëåíîãî ïå÷àòêàìè. 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.</FONT></P>
<P class="ps6"><FONT class="fs162">Öèâ³ëüíèì çàêîíîäàâñòâîì Óêðà¿íè ïåðåäáà÷åíî, ùî äîãîâ³ð óêëàäàºòüñÿ øëÿõîì ïðèºäíàííÿ äî óìîâ, âñòàíîâëåíèõ îäí³ºþ ³ç ñòîð³í ó ôîðìóëÿðàõ àáî ³íøèõ ñòàíäàðòíèõ ôîðìàõ. &nbsp;</FONT></P>
<P class="ps6"><FONT class="fs161">Óêëàäàííÿ ì³æ Áàíêîì ³ ÒÎÂ "ªâðîñïåöñòðîé" äîãîâîðó ó ñïðîùåíèé ñïîñ³á ï³äòâåðäæóºòüñÿ çàÿâîþ â³äïîâ³äà÷à ïðî ïðèºäíàííÿ äî óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã â³ä 29.03.2013ð. (à.ñ.33). Çã³äíî ö³º¿ çàÿâè ÒÎÂ "ªâðîñïåöñòðîé" ïðèºäíàëîñü òà ïîãîäèëîñü ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, Òàðèôàìè Ïðèâàòáàíêó, ðîçì³ùåíèìè íà îô³ö³éíîìó ñàéò³ Ïðèâàòáàíêó http:/privatbank.ua, êîòð³ ðàçîì ç ö³ºþ çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </FONT></P>
<P class="ps6"><FONT class="fs160">Óìîâàìè (ñòàíîì íà äåíü óêëàäåííÿ äîãîâîðó), ÿê³ º íåâ³äºìíîþ ÷àñòèíîþ óêëàäåíîãî ì³æ ñòîðîíàìè äîãîâîðó â³ä 29.03.2013ð., ïåðåäáà÷åíî íàñòóïíå.</FONT></P>
<P class="ps6"><FONT class="fs158">Â³äïîâ³äíî äî ï.ï. 3.18.1.1, 3.18.1.3 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çàòâåðäæåíèõ íàêàçîì Ïîçèâà÷à â³ä 06.03.2010 ¹ ÑÏ-2010-256, ÿê³ º ÷àñòèíîþ Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013, 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 ó ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó áàíêà òà êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ²íòåðíåò êë³ºíò áàíê, sms ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó êë³ºíòà, øëÿõîì çä³éñíåííÿ éîãî ïëàòåæ³â çâåðõ çàëèøêó êîøò³â íà ïîòî÷íîìó ðàõóíêó êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòîâàííÿ ïîòî÷íîãî ðàõóíêó. Ïðè öüîìó âèíèêàº äåáåòîâå ñàëüäî. Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ êë³ºíòà ç éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps6"><FONT class="fs157">Ï³äñòàâîþ çàñòîñóâàííÿ çá³ëüøåíî¿ ïðîöåíòíî¿ ñòàâêè º íàñòàííÿ ïîä³é, âèçíà÷åíèõ çàçíà÷åíèì ïóíêòîì Óìîâ àáî êîæíî¿ îêðåìî, àáî ðàçîì â ñóêóïíîñò³, òà îáîâÿçêîâå ïîâ³äîìëåííÿ ïðî íàñòàííÿ ö³º¿ ïîä³¿ (öèõ ïîä³é) ïîçè÷àëüíèêà çà óìîâè íàÿâíîñò³ ó îñòàííüîãî ïðîñòðî÷åíîãî áîðãó. </FONT></P>
<P class="ps6"><FONT class="fs156">Ìàòåð³àëè ñïðàâè ì³ñòÿòü ïîâ³äîìëåííÿ Áàíêó â åëåêòðîííîìó âèãëÿä³ (íà îô³ö³éíîìó ³íòåðíåò-ðåñóðñ³ Áàíêó) ùîäî íàðàõóâàííÿ çá³ëüøåíî¿ ïðîöåíòíî¿ ñòàâêè (à.ñ.34), ÿê³ ïðèéìàþòüñÿ àïåëÿö³éíèì ñóäîì äî óâàãè, îñê³ëüêè â³äíîñèíè ì³æ ñòîðîíàìè äîãîâîðó ìîæóòü âèð³øóâàòèñÿ ÿê øëÿõîì ï³äïèñó îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä äî äàíîãî äîãîâîðó, òàê ³ øëÿõîì îáì³íó ì³æ íèìè ³íôîðìàö³ºþ/ïîãîäæåííÿì ç áàíê³âñüêîãî îáñëóãîâóâàííÿ ÷åðåç web-ñàéò Áàíêó (www.pb.ua àáî ³íøèé ³íòåðíåò-/SMS-ðåñóðñ, çàçíà÷åíèé Áàíêîì).</FONT></P>
<P class="ps6"><FONT class="fs155">Òàêîæ, çã³äíî ³ç ï.ï. 3.18.4.1.2, 3.18.4.1.3 âêàçàíèõ Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã ïðè íåîáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ³ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç íàñòóïíî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, êë³ºíò ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè ó ðîçì³ð³ 24% ð³÷íèõ. Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91 äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëà îáíóë³ííþ, 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 ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 48% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. &nbsp;</FONT></P>
<P class="ps6"><FONT class="fs154">×àñòèíîþ ïåðøîþ ñòàòò³ 11 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî öèâ³ëüí³ ïðàâà òà îáîâ'ÿçêè âèíèêàþòü ³ç ä³é îñ³á, ÿê³ 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, çîêðåìà, ç äîãîâîð³â òà ³íøèõ ïðàâî÷èí³â.</FONT></P>
<P class="ps8"><FONT class="fs153">Ñòîðîíè â ïîðÿäêó ÷. 1 ñò. 212 ÖÊ Óêðà¿íè ä³éøëè âçàºìíî¿ çãîäè ïðî òå, ùî â³äñîòêîâà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ìîæå áóòè ï³äâèùåíà áàíêîì, ó ðàç³ ÿêùî çá³ëüøóºòüñÿ îáë³êîâà ñòàâêà ÍÁÓ íà 1 ÷è á³ëüøå ïóíêò³â, òà/àáî êóðñ ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðà ³íîçåìíèõ âàëþò çá³ëüøèòüñÿ íà 5 ÷è á³ëüøå â³äñîòê³â, òà/àáî âàðò³ñòü ðåñóðñ³â íà ì³æáàíê³âñüêîìó ãðîøîâîìó ðèíêó çá³ëüøèòüñÿ íà 5 ÷è á³ëüøå â³äñîòê³â. Ñòîðîíè ïîãîäèëèñü, ùî çá³ëüøåíà â³äñîòêîâà ñòàâêà ïî÷èíàº ä³ÿòè ï³ñëÿ òîãî, ÿê áàíê ïîâ³äîìèòü êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ â äàíîìó ïóíêò³, à êë³ºíò íå ïîãàñèòü ³ñíóþ÷ó ïåðåä áàíêîì çàáîðãîâàí³ñòü â ïîðÿäêó òà ñòðîêè, ïåðåäáà÷åí³ Óìîâàìè. Áàíê ïîâ³äîìëÿº êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ â äàíîìó ïóíêò³, íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî çà äîïîìîãîþ âñòàíîâëåíèõ çàñîá³â åëåêòðîííîãî çâÿçêó áàíêó òà êë³ºíòà (ï.3.18.2.3.1 Óìîâ).</FONT></P>
<P class="ps6"><FONT class="fs152">Â³äïîâ³äíî äî ï.ï. 3.2.1.4.1.2, 3.2.1.4.1.3 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çàòâåðäæåíèõ íàêàçîì Ïîçèâà÷à â³ä 10.06.2014ð. ¹ ÑÏ-2014-6780656, ÿê³ º ÷àñòèíîþ Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013ð. òà íàáðàëè ÷èííîñò³ ç 01.07.2014ð., 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 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëþâàííþ. 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 áóíêó â³äñîòêè çà êîðèñòóâàííÿì 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, ïåðåäáà÷åíîãî Óìîâàìè òà ïðàâèëàìè íàäàííÿ Áàíê³âñüêèõ ïîñëóã, 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. Áàíê çàëèøàº çà ñîáîé ïðàâî ïðîäîâæèòè ïåð³îä, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ³ íå ââàæàòè òàêèé êðåäèò ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç ïîãàøåííÿ çàáîðãîâàíîñò³ - ïîðóøåíèìè. Òàêå ïðàâî ðåàë³çóºòüñÿ øëÿõîì ïîâ³äîìëåííÿ êë³ºíòà çà äîïîìîãîþ ïîâ³äîìëåííÿ â ñèñòåì³ Internet Banking Ïðèâàò 24 àáî ðåêîìåíäîâàíèì ëèñòîì íà þðèäè÷íó àäðåñó êë³ºíòà. Ïðè öüîìó, äîäàòêîâèõ ïîãîäæåíü ç êë³ºíòîì íå ïîòð³áíî. </FONT></P>
<P class="ps6"><FONT class="fs151">Çà ñâîºþ þðèäè÷íîþ ïðèðîäîþ óêëàäåíèé ñòîðîíàìè äîãîâ³ð º çì³øàíèì äîãîâîðîì çä³éñíåííÿ áàíê³âñüêèõ îïåðàö³é, ÿêèé ì³ñòèòü åëåìåíòè äîãîâîðó áàíê³âñüêîãî ðàõóíêó òà êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps6"><FONT class="fs150">Ó â³äïîâ³äíîñò³ äî ñò. 339 ÃÊ Óêðà¿íè áàíêàìè çä³éñíþºòüñÿ ô³íàíñîâå ïîñåðåäíèöòâî ó ôîðì³ áàíê³âñüêèõ îïåðàö³é, çîêðåìà ðîçðàõóíêîâèõ, êðåäèòíèõ. </FONT></P>
<P class="ps6"><FONT class="fs149">Òàê, ÷. 1 ñò. 1066 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, 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. Â³äïîâ³äíî äî ÷.4 ñò.1068 ÖÊ Óêðà¿íè, êë³ºíò çîáîâÿçàíèé ñïëàòèòè ïëàòó çà âèêîíàííÿ áàíêîì îïåðàö³é çà ðàõóíêîì êë³ºíòà, ÿêùî öå âñòàíîâëåíî äîãîâîðîì. </FONT></P>
<P class="ps6"><FONT class="fs148">Çã³äíî ñò. 1054 ÖÊ 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. Äî â³äíîñèí çà êðåäèòíèì äîãîâîðîì çàñòîñîâóþòüñÿ ïîëîæåííÿ ïàðàãðàôà 1 ãëàâè 71 ÖÊ Óêðà¿íè, ÿêùî ³íøå íå âñòàíîâëåíî ïàðàãðàôîì 2 ãëàâè 71 ÖÊ Óêðà¿íè ³ íå âèïëèâàº ³ç ñóò³ êðåäèòíîãî äîãîâîðó.</FONT></P>
<P class="ps6"><FONT class="fs146">Çã³äíî âèïèñêè ç îñîáîâîãî ðàõóíêó çà ïåð³îä ç 03.03.2014ð. ïî 23.03.2015ð.</FONT><FONT class="fs115"> </FONT><FONT class="fs145">ÒÎÂ "ªâðîñïåöñòðîé" âèêîðèñòàâ êðåäèòíèé ë³ì³ò, ïðîòå, íå çä³éñíèâ ïëàòåæ³ íà âèêîíàííÿ ñâî¿õ ãðîøîâèõ çîáîâÿçàíü çà äîãîâîðîì, ³ òîìó íà äàíèé ÷àñ çàáîðãîâàí³ñòü ç ïîâåðíåííÿ îòðèìàíèõ çà äîãîâîðîì êðåäèòíèõ êîøò³â ñòàíîâèòü ñóìó 746991,41 ãðí. ²ç âêàçàíî¿ âèïèñêè òàêîæ âèïëèâàº, ùî òîâàðèñòâî íå ïîâí³ñòþ îïëàòèëî Áàíêó ïåðåäáà÷åíó äîãîâîðîì êîì³ñ³éíó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó.</FONT></P>
<P class="ps6"><FONT class="fs144">Çã³äíî ïîäàíèõ ïîçèâà÷åì ðîçðàõóíê³â çàáîðãîâàí³ñòü ç îïëàòè êîì³ñ³éíî¿ âèíàãîðîäè çà âèêîðèñòàííÿ ë³ì³òó ïðîòÿãîì 08.01.2014ð. - 23.03.2015ð. ñêëàäàº çàãàëüíó ñóìó 2537,52 ãðí.</FONT></P>
<P class="ps8"><FONT class="fs143">Ñòîðîíè â ïîðÿäêó ÷.1 ñò.212 ÖÊ Óêðà¿íè ä³éøëè âçàºìíî¿ çãîäè ïðî òå, ùî â³äñîòêîâà ñòàâêà çà êîðèñòóâàííÿ êðåäèòîì ìîæå áóòè ï³äâèùåíà áàíêîì, ó ðàç³ ÿêùî çá³ëüøóºòüñÿ îáë³êîâà ñòàâêà ÍÁÓ íà 1 ÷è á³ëüøå ïóíêò³â, òà/àáî êóðñ ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðà ³íîçåìíèõ âàëþò çá³ëüøèòüñÿ íà 5 ÷è á³ëüøå â³äñîòê³â, òà/àáî âàðò³ñòü ðåñóðñ³â íà ì³æáàíê³âñüêîìó ãðîøîâîìó ðèíêó çá³ëüøèòüñÿ íà 5 ÷è á³ëüøå â³äñîòê³â. Ñòîðîíè ïîãîäèëèñü, ùî çá³ëüøåíà â³äñîòêîâà ñòàâêà ïî÷èíàº ä³ÿòè ï³ñëÿ òîãî, ÿê áàíê ïîâ³äîìèòü êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ â äàíîìó ïóíêò³, à êë³ºíò íå ïîãàñèòü ³ñíóþ÷ó ïåðåä áàíêîì çàáîðãîâàí³ñòü â ïîðÿäêó òà ñòðîêè, ïåðåäáà÷åí³ Óìîâàìè. Áàíê ïîâ³äîìëÿº êë³ºíòà ïðî íàñòàííÿ ïîä³é, çàêð³ïëåíèõ â äàíîìó ïóíêò³, íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî çà äîïîìîãîþ âñòàíîâëåíèõ çàñîá³â åëåêòðîííîãî çâÿçêó áàíêó òà êë³ºíòà (ï.3.18.2.3.1 Óìîâ).</FONT></P>
<P class="ps6"><FONT class="fs142">Îòæå, ç 01.07.2014ð. âíàñë³äîê çàòâåðäæåííÿ íîâèõ Óìîâ òà ïðàâèë íàäàííÿ Áàíê³âñüêèõ ïîñëóã íàêàçîì Ïîçèâà÷à â³ä 10.06.2014ð. ¹ÑÏ-2014-6780656, çá³ëüøåíî ïðîöåíòí³ ñòàâêè ç 24% äî 36% òà ç 48% äî 56%.</FONT></P>
<P class="ps6"><FONT class="fs140">Ïóíêòîì 3.2.1.4.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çàòâåðäæåíèõ íàêàçîì Ïîçèâà÷à â³ä 10.06.2014ð. ¹ÑÏ-2014-6780656, ÿê³ º ÷àñòèíîþ Äîãîâîðó, âñòàíîâëåíî, ùî êë³ºíò ñïëà÷óº áàíêó âèíàãîðîäó çà âèêîðèñòàííÿ ë³ì³òó â³äïîâ³äíî äî ï.ï. 3.2.1.1.6, 3.2.1.2.3.2 ïåðøîãî ÷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 Áàíê ìîæå çà ñâî¿ì ðîçñóäîì íå ñòÿãóâàòè çàçíà÷åíó êîì³ñ³þ ó ðàç³, ÿêùî ìàêñèìàëüíå ñàëüäî êðåäèòó, ùî ³ñíóâàëî íà ê³íåöü áàíê³âñüêîãî äíÿ çà ïîïåðåäí³é êàëåíäàðíèé ì³ñÿöü, íå ïåðåâèùóâàëî 100 ãðèâåíü. </FONT></P>
<P class="ps6"><FONT class="fs139">Ñóìà çàáîðãîâàíîñò³ ç³ ñïëàòè âêàçàíî¿ âèíàãîðîäè áàíêó çà ïåð³îä ç 01.10.2014ð. ïî 23.03.2015ð., ñòàíîâèòü 2537,52 ãðí. </FONT></P>
<P class="ps6"><FONT class="fs138">Ñóäîì ïåðøî¿ ³íñòàíö³¿ ïåðåâ³ðåíî âèùåâêàçàí³ ðîçðàõóíêè ïîçèâà÷à, ïðàâèëüí³ñòü ÿêèõ òàêîæ ï³äòâåðäæóº ñóäîâà êîëåã³ÿ àïåëÿö³éíî¿ ³íñòàíö³¿.</FONT></P>
<P class="ps6"><FONT class="fs137">Â³äïîâ³äíî äî ñò. 20 ÃÊ Óêðà¿íè, çàõèñò ïðàâ ³ çàêîííèõ ³íòåðåñ³â ñóáºêò³â ãîñïîäàðþâàííÿ çä³éñíþºòüñÿ, çîêðåìà, øëÿõîì çàñòîñóâàííÿ äî îñîáè, ÿêà ïîðóøèëà ïðàâî, øòðàôíèõ ñàíêö³é, à òàêîæ ³íøèìè ñïîñîáàìè, ïåðåäáà÷åíèìè çàêîíîì, çîêðåìà, ñò. 230 ÃÊ Óêðà¿íè, ñò.549 ÖÊ Óêðà¿íè.</FONT></P>
<P class="ps6"><FONT class="fs136">Ïðàâîâ³ íàñë³äêè ïîðóøåííÿ çîáîâÿçàííÿ âèçíà÷åí³ ñò. 611 ÖÊ Óêðà¿íè, çîêðåìà, ï. 3 ÷.1 çàçíà÷åíî¿ ñòàòò³ âñòàíîâëåíà ñïëàòà íåóñòîéêè. </FONT></P>
<P class="ps6"><FONT class="fs135">Â³äïîâ³äíî äî ÷. 2 ñò. 193 ÃÊ Óêðà¿íè êîæíà ñòîðîíà ïîâèííà âæèòè âñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè. Ïîðóøåííÿ çîáîâÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì. </FONT></P>
<P class="ps6"><FONT class="fs134">Ïóíêòàìè 3.18.5.1, 3.18.5.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, çàòâåðäæåíèõ íàêàçîì Ïîçèâà÷à â³ä 06.03.2010ð. ¹ÑÏ-2010-256, ÿê³ º ÷àñòèíîþ Äîãîâîðó, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü ç³ ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ñòðîê³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîä, çîêðåìà, çà âèêîðèñòàííÿ ë³ì³òó, êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (â % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. Íàðàõóâàííÿ íåóñòîéêè çä³éñíþºòüñÿ ïðîòÿãîì òðüîõ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ïîâèííî áóëî áóòè âèêîíàíî êë³ºíòîì. </FONT></P>
<P class="ps6"><FONT class="fs133">Ïóíêòàìè 3.2.1.5.1, 3.2.1.5.4 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çàòâåðäæåíèõ íàêàçîì Ïîçèâà÷à â³ä 10.06.2014ð. ¹ÑÏ-2014-6780656, ÿê³ º ÷àñòèíîþ Äîãîâîðó, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.1.2.2.2, 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÷åíîãî ï.ï. 3.2.1.2.2, 3.2.1.4.4, 3.2.1.4.5, 3.2.1.4.6 êë³ºíò âèïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà ó 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 ó ï. 3.2.1.4.1.3 â³ä ñóìè çàáîðãîâàíîñò³ çà êîæíèé äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³. Ó âèïàäêó ÿêùî êðåäèò íàäàâàâñÿ â ³íîçåìí³é âàëþò³, ïåíÿ ñïëà÷óºòüñÿ â ãðèâíåâîìó åêâ³âàëåíò³ çà êóðñîì ÍÁÓ íà äàòó ñïëàòè. Íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâÿçàíü, ïåðåäáà÷åíî¿ ï.ï. 3.2.1.5.1, 3.2.1.5.2, 3.2.1.5.3, çä³éñíþºòüñÿ ïðîòÿãîì òðüîõ ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâÿçàííÿ ìàëî áóòè âèêîíàíî êë³ºíòîì. </FONT></P>
<P class="ps6"><FONT class="fs132">Âðàõîâóþ÷è âèùåçàçíà÷åíå, ñóäîâà êîëåã³ÿ àïåëÿö³éíî¿ ³íñòàíö³¿ ââàæàº, ùî ð³øåííÿ ãîñïîäàðñüêîãî ñóäó â³ä 11.09.2015ð. âèíåñåíî ïðè ïîâíîìó çÿñóâàíí³ òà äîñë³äæåíí³ âñ³õ îáñòàâèí ñïðàâè ç ïðàâîì³ðíèì çàñòîñóâàííÿì íîðì ä³þ÷îãî çàêîíîäàâñòâà, à òîìó ï³äñòàâ äëÿ éîãî ñêàñóâàííÿ íå âáà÷àºòüñÿ.</FONT></P>
<P class="ps6"><FONT class="fs114">Êåðóþ÷èñü ñò.ñò. 99, 101, 103-105 ÃÏÊ Óêðà¿íè, ñóä -</FONT></P>
<P class="ps10"><FONT class="fs113">ÏÎÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps6"><FONT class="fs112">1. </FONT><FONT class="fs131">Àïåëÿö³éíó ñêàðãó Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó "ÏÐÈÂÀÒÁÀÍÊ" - çàëèøèòè áåç çàäîâîëåííÿ.</FONT></P>
<P class="ps0"><FONT class="fs111">2. </FONT><FONT class="fs130">Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Îäåñüêî¿ îáëàñò³ â³ä 11.09.2015ð. ó ñïðàâ³ ¹916/2623/15 - çàëèøèòè áåç çì³í.</FONT></P>
<P class="ps6"><FONT class="fs129">Ïîñòàíîâà íàáèðàº çàêîííî¿ ñèëè ç äíÿ ¿¿ ïðèéíÿòòÿ òà ìîæå áóòè îñêàðæåíà ó êàñàö³éíîìó ïîðÿäêó äî Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè. </FONT></P>
<P class="ps5"><FONT class="fs110">Ãîëîâóþ÷èé  &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;&nbsp;Í.Â. Ë³ï÷àíñüêà</FONT></P>
<P class="ps5"><FONT class="fs109">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;&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;Ò.ß. Ãëàäèøåâà</FONT></P>
<P><FONT class="fs108">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;&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;ß.Ô. Ñàâèöüêèé </FONT></P>