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<TR><TD width="100 %" class="tds1"><P class="ps12"><FONT class="fs191"> &nbsp;</FONT><FONT class="fs189"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps5"><FONT class="fs108">Ð²ØÅÍÍß</FONT></P>
<P class="ps5"><FONT class="fs107">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps1"><FONT class="fs123">Çà ïîçîâîì </FONT><FONT class="fs181">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà «Àêöåíò-áàíê»</FONT></P>
<P><FONT class="fs122">äî </FONT><FONT class="fs180">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Êîðïîðàö³ÿ Ïàêîïðîì»</FONT></P>
<P><FONT class="fs121">ïðî </FONT><FONT class="fs179">ñòÿãíåííÿ 227&nbsp; 785,10 ãðí.</FONT></P>
<P class="ps4"><FONT class="fs120">Ñóääÿ Äåìèäîâ Â.Î.</FONT></P>
<P class="ps0"><FONT class="fs119">Çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í:</FONT></P>
<P class="ps0"><FONT class="fs118">â³ä ïîçèâà÷à</FONT><FONT class="fs178">  íå çÿâèâñÿ;</FONT></P>
<P class="ps0"><FONT class="fs117">â³ä â³äïîâ³äà÷à</FONT><FONT class="fs177">  íå çÿâèâñÿ;</FONT></P>
<P class="ps5"><FONT class="fs116">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps2"><FONT class="fs176">21.12.2015 ïîçèâà÷ - Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî «Àêöåíò - áàíê» çâåðíóëîñÿ äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâíîþ çàÿâîþ äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «Êîðïîðàö³ÿ Ïàêîïðîì» ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà äîãîâîðîì á/í â³ä 15.07.2011 ó ðîçì³ð³ 227&nbsp; 785,10 ãðí., ç ÿêèõ 50&nbsp; 000 ãðí. çàáîðãîâàí³ñòü çà êðåäèòîì, 52&nbsp; 996,88 ãðí. çàáîðãîâàí³ñòü çà ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì, 112&nbsp; 638,22 ãðí. ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 12&nbsp; 150,00 ãðí. çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps2"><FONT class="fs174">Ó çâÿçêó ³ç íåÿâêîþ ïðåäñòàâíèê³â ñòîð³í, íåâèêîíàííÿì íèìè âèìîã óõâàëè ñóäó â³ä 22.12.2015 íà íåîáõ³äí³ñòþ âèòðåáóâàííÿ äîêàç³â ïî ñïðàâ³, ðîçãëÿä ñïðàâè â³äêëàäåíî íà 26.01.2016.</FONT></P>
<P class="ps2"><FONT class="fs173">Â ñóäîâå çàñ³äàííÿ 26.01.2016 ïðåäñòàâíèê ïîçèâà÷à íå çÿâèâñÿ, âò³ì ÿê âáà÷àºòüñÿ ³ç ïîçîâíî¿ çàÿâè, â ðàç³ íåÿâêè â ñóäîâå çàñ³äàííÿ ÏÀÒ «Àêöåíò-áàíê» íå çàïåðå÷óº ïðîòè ðîçãëÿäó ñïðàâè çà â³äñóòíîñò³ ïðåäñòàâíèêà áàíêó.</FONT></P>
<P class="ps2"><FONT class="fs172">Ïðåäñòàâíèê â³äïîâ³äà÷à ó ñóäîâå çàñ³äàííÿ 26.01.2016 íå çÿâèâñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, õî÷à ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé, ùî ï³äòâåðäæóºòüñÿ ðåºñòðîì ïîøòîâèõ â³äïðàâëåíü ç ïîâ³äîìëåííÿì, ïîäàíèõ äî â³ää³ëåííÿ ïîøòîâîãî çâÿçêó ¹ 030 ÊÌÄ ÓÄÏÏÇ «Óêðïîøòà».</FONT></P>
<P class="ps2"><FONT class="fs171">Ïðè öüîìó, â³äïîâ³äíî äî ï. 3.9 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011 ð. «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. </FONT></P>
<P class="ps2"><FONT class="fs170">Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñóäîì ñïðàâè ó ðàç³ âèêîíàííÿ îñòàíí³ì âèìîã ÷àñòèíè ïåðøî¿ ñòàòò³ 64 òà ñòàòò³ 87 ÃÏÊ.</FONT></P>
<P class="ps2"><FONT class="fs169">Çà çì³ñòîì ö³º¿ íîðìè, 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="ps2"><FONT class="fs168">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.</FONT></P>
<P class="ps2"><FONT class="fs167">Ç óðàõóâàííÿì ôàêòè÷íèõ îáñòàâèí ñïðàâè, ñóä ââàæàº çà ìîæëèâèì ðîçãëÿíóòè ñïðàâó çà íàÿâíèìè ìàòåð³àëàìè ó äàíîìó ñóäîâîìó çàñ³äàíí³ ç óðàõóâàííÿì ïîëîæåííÿ ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps2"><FONT class="fs127">Äîñë³äèâøè îáñòàâèíè ñïðàâè, íàäàí³ ìàòåð³àëè, îö³íèâøè íàäàí³ äîêàçè ó ¿õ ñóêóïíîñò³, ñóä ä³éøîâ âèñíîâêó ïðî îá´ðóíòîâàí³ñòü ïîçîâíèõ âèìîã òà íåîáõ³äí³ñòü çàäîâîëåííÿ ïîçîâó â ïîâíîìó îáñÿç³ ç</FONT><FONT class="fs112"> </FONT><FONT class="fs126">òàêèõ ï³äñòàâ</FONT><FONT class="fs166">. </FONT></P>
<P class="ps2"><FONT class="fs162">Â³äïîâ³äíî äî äîãîâîðó áàíê çîáîâ'ÿçóºòüñÿ â³äêðèòè êë³ºíòó ïîòî÷íèé ðàõóíîê òà çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó çà ðàõóíîê êðåäèòíèõ êîøò³â ó ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòó íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà. 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 ðîçì³ùåí³ â ìåðåæ³ ²íòåðíåò íà ñàéò³ www.a-bank.com.ua, ÿê³ ðàçîì ç çàÿâîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps2"><FONT class="fs161">Â³äïîâ³äíî äî ïóíêòó 3.11.1.16. Óìîâ ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ Êë³ºíòà äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè, àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê / ³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³), áàíê ³ êë³ºíò äîïóñêàþòü âèêîðèñòàííÿ ï³äïèñ³â êë³ºíòà ó âèãëÿä³ åëåêòðîííî-öèôðîâîãî ï³äïèñó òà/àáî ï³äòâåðäæåííÿ ÷åðåç ïàðîëü, ñïðÿìîâàíèé áàíêîì ÷åðåç âåðèô³êîâàíèé íîìåð òåëåôîíó, ÿêèé íàëåæèòü óïîâíîâàæåí³é îñîá³ êë³ºíòà ç ïðàâîì "ïåðøîãî" ï³äïèñó. Ï³äïèñàííÿ äîãîâîð³â ³ óãîä òàêèì ÷èíîì ïðèð³âíþºòüñÿ äî óêëàäàííÿ äîãîâîð³â òà óãîä ó ïèñüìîâ³é ôîðì³.</FONT></P>
<P class="ps2"><FONT class="fs160">Ó â³äïîâ³äíîñò³ äî ïóíêòó 3.11.1.1. Óìîâ êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â êë³ºíòà â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêà òà êë³ºíòà.</FONT></P>
<P class="ps2"><FONT class="fs159">Êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè (ïóíêò 3.11.1.3. Óìîâ).</FONT></P>
<P class="ps2"><FONT class="fs158">Â³äïîâ³äíî äî ïóíêòó 3.11.1.8 Óìîâ ïðîâåäåííÿ ïëàòåæ³â êë³ºíòà ó ïîðÿäêó îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó ïðîâîäèòüñÿ áàíêîì ïðîòÿãîì: îäíîãî ðîêó ç ìîìåíòó ï³äïèñàííÿ óãîäè ïðî ïðèºäíàííÿ êë³ºíòà äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã (àáî ó ôîðì³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ³ç çðàçêàìè ï³äïèñ³â ³ â³äáèòêà ïå÷àòêè, àáî ó ôîðì³ àâòîðèçàö³¿ êðåäèòíî¿ óãîäè â ñèñòåìàõ êë³ºíò-áàíê/³íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâ³é àáî åëåêòðîíí³é ³íôîðìàö³ºþ, àáî â áóäü-ÿê³é ³íø³é ôîðì³ - «Óãîäà»).</FONT></P>
<P class="ps2"><FONT class="fs157">Ïîëîæåííÿìè ïóíêòó 3.11.1.6. Óìîâ âñòàíîâëåíî, ùî ë³ì³ò ìîæå áóòè çì³íåíèé áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó, ïåðåäáà÷åíîìó Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó ðàç³ çíèæåííÿ íàäõîäæåíü ãðîøîâèõ êîøò³â íà ïîòî÷íèé ðàõóíîê àáî íàñòàííÿ ³íøèõ ôàêòîð³â, ïåðåäáà÷åíèõ âíóòð³øí³ìè íîðìàòèâíèìè: äîêóìåíòàìè áàíêó. Ï³äïèñàâøè óãîäó, êë³ºíò âèñëîâëþº ñâîþ çãîäó íà òå, ùî çì³íà ë³ì³òó ïðîâîäèòüñÿ áàíêîì â îäíîñòîðîííüîìó ïîðÿäêó øëÿõîì ïîâ³äîìëåííÿ êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó ³ êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms - ïîâ³äîìëåííÿ àáî ³íøèõ).</FONT></P>
<P class="ps2"><FONT class="fs156">Â³äïîâ³äíî äî ðîçä³ëó 3.11.4. Óìîâ çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò âèïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</FONT></P>
<P class="ps2"><FONT class="fs155">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (äàë³ - ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps2"><FONT class="fs154">Ïðè íå îáíóëåíí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 36,00 % ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</FONT></P>
<P class="ps2"><FONT class="fs153">Ó âèïàäêó íåïîãàøåíèé êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó; â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ùîäî ïîãàøåííÿ çàáîðãîâàíîñò³ ââàæàþòüñÿ, ïîðóøåíèìè. Ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâîãî çîáîâ'ÿçàííÿ êë³ºíò ñïëà÷óº áàíêó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ó ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³. Ó ðàç³ ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü ³ ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã. Êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ, ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàíü.</FONT></P>
<P class="ps2"><FONT class="fs152">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="ps2"><FONT class="fs151">Ïðè íåñïëàò³ âèíàãîðîäè, â³äñîòê³â ó â³äïîâ³äí³ ¿ì äàòè ñïëàòè, âîíè ââàæàþòüñÿ ïðîñòðî÷åíèìè.</FONT></P>
<P class="ps2"><FONT class="fs150">Çã³äíî ç ïóíêòîì 3.11.5.1 Óìîâ&nbsp; &nbsp;&nbsp;ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ïóíêòàìè 3.11.2.2,2, 3.11.4.1, 3.11.4.2, 3.11.4.3, òåðì³í³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ïóíêòàìè 3.11.1.8, 3.11.2.2.3. 3.11.2.3.4, âèíàãîðîäè, ïåðåäáà÷åíî¿ ïóíêòàìè 3.11.2.2.5, 3.11.4.4. 3.11.4.5, 3.11.4.6 êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ, (ó % ð³÷íèõ) â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó. À â ðàç³ ðåàë³çàö³¿ áàíêîì ïðàâà íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êðåäèòó, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³, çàçíà÷åíîìó â ïóíêò³ 3.11.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. </FONT></P>
<P class="ps2"><FONT class="fs149">Ó â³äïîâ³äíîñò³ äî ïóíêòó 3.11.5.4. Óìîâ íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ïóíêòàìè 3.11.5.1., 3.11.5.2., 3.11.5.3., çä³éñíþºòüñÿ íà ïðîòÿç³ 3 (òðüîõ) ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíå êë³ºíòîì.</FONT></P>
<P class="ps2"><FONT class="fs148">Ó çâ'ÿçêó ³ç çàçíà÷åíèìè ïîðóøåííÿìè çîáîâ'ÿçàíü çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ çà â³äïîâ³äà÷åì ñòàíîì íà 05.11.2015 ðàõóºòüñÿ çàáîðãîâàí³ñòü  227&nbsp; 785,10 ãðí., ÿêà ñêëàäàºòüñÿ ç íàñòóïíîãî: </FONT></P>
<P class="ps9"><FONT class="fs147">- 50&nbsp; 000,00&nbsp; &nbsp;&nbsp;ãðí. - çàáîðãîâàí³ñòü çà êðåäèòîì;</FONT></P>
<P class="ps9"><FONT class="fs146">- 52&nbsp; 996,88 ãðí. - çàáîðãîâàí³ñòü çà â³äñîòêàìè êîðèñòóâàííÿ êðåäèòîì;</FONT></P>
<P class="ps9"><FONT class="fs145">- 112&nbsp; 638,22&nbsp; &nbsp;&nbsp;ãðí. - ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì.</FONT></P>
<P class="ps9"><FONT class="fs144">- 12&nbsp; 150,00&nbsp; &nbsp;&nbsp;ãðí. - çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps2"><FONT class="fs143">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 530 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í); çîáîâ'ÿçàííÿ, ñòðîê (òåðì³í) âèêîíàííÿ ÿêîãî âèçíà÷åíèé âêàç³âêîþ íà ïîä³þ, ÿêà íåìèíó÷å ìàº íàñòàòè, ï³äëÿãàº âèêîíàííþ ç íàñòàííÿì ö³º¿ ïîä³¿.</FONT></P>
<P class="ps2"><FONT class="fs142">Îòæå, ñòðîê ïîâåðíåííÿ êðåäèòíèõ êîøò³â, ñïëàòè â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè òà êîì³ñ³éíî¿ âèíàãîðîäè ââàæàºòüñÿ òàêèì, ùî íàñòàâ.</FONT></P>
<P class="ps2"><FONT class="fs141">Íà ìîìåíò ðîçãëÿäó ñïðàâè äîêàç³â ïîãàøåííÿ çàáîðãîâàíîñò³ ïî êðåäèòó, â³äñîòêàì çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè òà ïî êîì³ñ³éí³é âèíàãîðîä³ ïåðåä ïîçèâà÷åì â³äïîâ³äà÷ íå íàäàâ, ïîçîâí³ âèìîãè íå ñïðîñòóâàâ.</FONT></P>
<P class="ps2"><FONT class="fs140">Çã³äíî ñòàòò³ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿ ïîâèíí³ âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî âèìîã äîãîâîðó òà âèìîã Öèâ³ëüíîãî êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, à çà â³äñóòíîñò³ òàêèõ óìîâ òà âèìîã - â³äïîâ³äíî äî çâè÷à¿â ä³ëîâîãî îáîðîòó àáî ³íøèõ âèìîã, ùî çâè÷àéíî ñòàâëÿòüñÿ.</FONT></P>
<P class="ps2"><FONT class="fs139">×àñòèíàìè 1 òà 2 ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ñóá'ºêòè ãîñïîäàðþâàííÿ òà ³íø³ ó÷àñíèêè ãîñïîäàðñüêèõ â³äíîñèí ïîâèíí³ âèêîíóâàòè ãîñïîäàðñüê³ çîáîâ'ÿçàííÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî çàêîíó, ³íøèõ ïðàâîâèõ àêò³â, äîãîâîðó. Íå äîïóñêàºòüñÿ îäíîñòîðîííÿ â³äìîâà â³ä âèêîíàííÿ çîáîâ'ÿçàíü. Êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. Ïîðóøåííÿ çîáîâ'ÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì.</FONT></P>
<P class="ps2"><FONT class="fs138">Çã³äíî ñòàòò³ 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="ps2"><FONT class="fs137">Ñòàòòåþ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ íàñòàþòü ïðàâîâ³ íàñë³äêè, âñòàíîâëåí³ äîãîâîðîì àáî çàêîíîì, çîêðåìà ñïëàòà íåóñòîéêè.</FONT></P>
<P class="ps2"><FONT class="fs136">Â³äïîâ³äíî äî ÷àñòèí 1, 3 ñòàòò³ 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ; ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ.</FONT></P>
<P class="ps2"><FONT class="fs135">Çã³äíî ³ç ÷àñòèíîþ 1 ñòàòò³ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè øòðàôíèìè ñàíêö³ÿìè âèçíàþòüñÿ ãîñïîäàðñüê³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, øòðàô, ïåíÿ), ÿêó ó÷àñíèê ãîñïîäàðñüêèõ â³äíîñèí çîáîâ'ÿçàíèé ñïëàòèòè ó ðàç³ ïîðóøåííÿ íèì ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâ'ÿçàííÿ.</FONT></P>
<P class="ps2"><FONT class="fs134">Äîêàç³â ñïëàòè ñóìè êðåäèòó çà äîãîâîðîì â³ä 15.07.2011, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì, çàáîðãîâàíîñò³ çà âèíàãîðîäîþ òà øòðàôó â³äïîâ³äà÷åì ñóäó íå íàäàíî.</FONT></P>
<P class="ps2"><FONT class="fs133">Ïåðåâ³ðèâøè ðîçðàõóíêè ïîçèâà÷à, ùîäî ñóìè çàáîðãîâàíîñò³ çà äîãîâîðîì, ñóä äîõîäèòü âèñíîâêó ïðî îá´ðóíòîâàí³ñòü âèìîã ïîçèâà÷à ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à 227&nbsp; 785,10 ãðí., ç ÿêèõ 50&nbsp; 000 ãðí. çàáîðãîâàí³ñòü çà êðåäèòîì, 52&nbsp; 996,88 ãðí. çàáîðãîâàí³ñòü çà ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì, 112&nbsp; 638,22 ãðí. ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâÿçàíü çà äîãîâîðîì, 12&nbsp; 150,00 ãðí. çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps2"><FONT class="fs132">Çà òàêèõ îáñòàâèí ïîçîâ ï³äëÿãàº çàäîâîëåííþ ó ïîâíîìó îáñÿç³ ç ïîêëàäåííÿì íà â³äïîâ³äà÷à ñóäîâèõ âèòðàò ó ñïðàâ³ íà ï³äñòàâ³ ïîëîæåíü ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</FONT></P>
<P class="ps2"><FONT class="fs131">Êåðóþ÷èñü ñò. ñò. 33, 34, 43, 44, 49, 82, 84, 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä&nbsp; -</FONT></P>
<P class="ps5"><FONT class="fs115">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps2"><FONT class="fs130">1. Ïîçîâ çàäîâîëüíèòè ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps2"><FONT class="fs185">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 class="ps2"><FONT class="fs183">Ïîâíå ð³øåííÿ ñêëàäåíå òà ï³äïèñàíå  01.02.2016.</FONT></P>
<P><FONT class="fs114">Ñóääÿ                                                                                                              Â.Î. Äåìèäîâ </FONT></P>