<TITLE>915/2027/14</TITLE>
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<P class="ps18"><FONT class="fs302"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs306"><IMG src="herb.gif" height=67 width=50></FONT></P>
<P class="ps10"><FONT class="fs165">ÎÄÅÑÜÊÈÉ ÀÏÅËßÖ²ÉÍÈÉ ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ</FONT></P>
<P class="ps10"><FONT class="fs167">_____________________________________________________________________________________________</FONT></P>
<P class="ps10"><FONT class="fs164">Ï Î Ñ Ò À Í Î Â À</FONT></P>
<P class="ps10"><FONT class="fs176">²ÌÅÍÅÌ &nbsp;</FONT><FONT class="fs163">ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="49 %" class="tds7"><P class="ps16"><FONT class="fs174"> "17" áåðåçíÿ 2016 ð.</FONT></P></TD><TD width="51 %" class="tds7"><P class="ps17"><FONT class="fs173"> Ñïðàâà ¹ 915/2027/14</FONT></P></TD></TR>
<P class="ps11"><FONT class="fs196">Îäåñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé ñóä ó ñêëàä³ êîëåã³¿ ñóää³â:</FONT></P>
<P class="ps1"><FONT class="fs195">ãîëîâóþ÷îãî ñóää³: </FONT><FONT class="fs297">Êîëîêîëîâà Ñ.².</FONT></P>
<P class="ps1"><FONT class="fs194">ñóää³â: </FONT><FONT class="fs296">Ãëàäèøåâî¿ Ò.ß., Ñàâèöüêîãî ß.Ô.</FONT></P>
<P class="ps1"><FONT class="fs193">ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ: </FONT><FONT class="fs295">Ïîë³íåöüêà Â.Ñ.</FONT></P>
<P class="ps1"><FONT class="fs192">çà ó÷àñòþ ïðåäñòàâíèê³â ñòîð³í: </FONT></P>
<P class="ps1"><FONT class="fs191">â³ä ïîçèâà÷à: </FONT><FONT class="fs294">íå çÿâèâñÿ</FONT></P>
<P class="ps1"><FONT class="fs190">â³ä â³äïîâ³äà÷à:</FONT><FONT class="fs293"> íå çÿâèâñÿ</FONT></P>
<P class="ps1"><FONT class="fs189">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ àïåëÿö³éíó ñêàðãó </FONT><FONT class="fs292">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ</FONT></P>
<P class="ps1"><FONT class="fs188">íà ð³øåííÿ </FONT><FONT class="fs291">ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ â³ä 05 ëþòîãî 2015 ðîêó</FONT></P>
<P class="ps1"><FONT class="fs187">ïî ñïðàâ³</FONT><FONT class="fs290"> ¹ 915/2027/14</FONT></P>
<P class="ps1"><FONT class="fs186">çà ïîçîâîì </FONT><FONT class="fs289">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé Áàíê Ïðèâàòáàíê</FONT></P>
<P class="ps1"><FONT class="fs185">äî </FONT><FONT class="fs288">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ</FONT></P>
<P class="ps15"><FONT class="fs184">ïðî </FONT><FONT class="fs287">ñòÿãíåííÿ 232 429,89 ãðí.</FONT></P>
<P class="ps10"><FONT class="fs169">Â Ñ Ò À Í Î Â È Â :</FONT></P>
<P class="ps5"><FONT class="fs286">08.12.2014 ðîêó Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê Ïðèâàòáàíê (äàë³ ïî òåêñòó  ïîçèâà÷) çâåðíóëîñü äî ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ ç ïîçîâíîþ çàÿâîþ äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ (äàë³ ïî òåêñòó  â³äïîâ³äà÷) â³äïîâ³äíî äî ÿêî¿ ïðîñèâ ñòÿãíóòè çàáîðãîâàí³ñòü ó ñóì³ 232&nbsp; 429,89 ãðí., ç ÿêî¿ 189&nbsp; 290,32 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì, 27&nbsp; 728,35 ãðí.  â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì 10 300,39 ãðí.  ïåíÿ, 5&nbsp; 110,83 ãðí.  çàáîðãîâàí³ñòü ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì òà âèòðàòè ïî ñïëàò³ &nbsp;ñóäîâîãî çáîðó.</FONT></P>
<P class="ps5"><FONT class="fs285">Ïîçîâí³ âèìîãè ìîòèâîâàí³ íåíàëåæíèì âèêîíàííÿì â³äïîâ³äà÷åì óêëàäåíîãî ì³æ ñòîðîíàìè Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 29.03.2013 ðîêó, íà ï³äñòàâ³ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, à ñàìå â ÷àñòèí³ íåïîâåðíåííÿ â³äïîâ³äà÷åì êðåäèòíèõ êîøò³â, ó çâÿçêó ç ÷èì ïîçèâà÷åì áóëè íàðàõîâàí³ â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì, ïåíÿ òà çàáîðãîâàí³ñòü ïî êîì³ñ³¿, â³äïîâ³äíî äî Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã.</FONT></P>
<P class="ps5"><FONT class="fs282">Òàêèé âèñíîâîê ñóäó ìîòèâîâàíèé òèì, ùî â³äïîâ³äà÷ çà îòðèìàíèé â³ä ïîçèâà÷à êðåäèò íå âèêîíóâàâ óìîâè Äîãîâîðó, íå ïîâåðòàâ â÷àñíî êðåäèòí³ êîøòè òà íå âèêîíóâàâ ñâî¿ çîáîâÿçàííÿ, ïîçèâà÷åì öå âñòàíîâëåíî òà ï³äòâåðäæåíî â³äïîâ³äíèìè äîêàçàìè, à òîìó ïîçîâí³ âèìîãè ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ ç óðàõóâàííÿì â³äñîòê³â çà êîðèñòóâàííÿ ÷óæèìè êîøòàìè, êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì òà ïåí³, º ïðàâîì³ðíèìè, îá´ðóíòîâàíèìè òà ï³äëÿãàþòü çàäîâîëåííþ â ïîâíîìó îáñÿç³</FONT></P>
<P class="ps5"><FONT class="fs281">Íå ïîãîäæóþ÷èñü ³ç çàçíà÷åíèì âèùå ð³øåííÿì ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó, Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ çâåðíóëîñÿ äî Îäåñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ç àïåëÿö³éíîþ ñêàðãîþ, â ÿê³é ïðîñèòü îñêàðæóâàíå ð³øåííÿ ñêàñóâàòè ³ ïðèéíÿòè íîâå ð³øåííÿ, ÿêèì â³äìîâèòè ó çàäîâîëåíí³ ïîçîâíèõ âèìîã Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê ÏÐÈÂÀÒÁÀÍÊ ó ïîâíîìó îáñÿç³. Ñêàðæíèê â ñâî¿õ äîâîäàõ òà çàïåðå÷åííÿõ ïîñèëàºòüñÿ íà òå, ùî ñóä ïîâíî òà âñåá³÷íî íå ïåðåâ³ðèâ âñ³ îáñòàâèíè ñïðàâè, íå äàâ íàëåæíó ïðàâîâó îö³íêó äîêàçàì, ïîðóøèâ òà íåâ³ðíî çàñòîñóâàâ íîðìè ÷èííîãî çàêîíîäàâñòâà, ó çâÿçêó ç ÷èì âèí³ñ íåçàêîííå ³ íåîá´ðóíòîâàíå ð³øåííÿ, ÿêå íå â³äïîâ³äàº îáñòàâèíàì ñïðàâè ³ âèìîãàì çàêîíó.</FONT></P>
<P class="ps5"><FONT class="fs280">Çà òâåðäæåííÿì àïåëÿíòà, ì³æ ñòîðîíàìè ó 2013 ðîêó íå áóëî í³ÿêèõ äîãîâ³ðíèõ â³äíîñèí òà Äîãîâ³ð êðåäèòó ¹ á/í â³ä 29.03.2013 ðîêó ó öåé ïåð³îä íå óêëàäàâñÿ.</FONT></P>
<P class="ps5"><FONT class="fs279">Òàêîæ àïåëÿíò çàçíà÷àº, ÿêùî ³ñíóâàëè ïðàâîâ³äíîñèíè ì³æ ñòîðîíàìè, òî âîíè âèíèêëè íå íà ï³äñòàâ³ äîãîâîðó êðåäèòó à º ïîçàäîãîâ³ðíèìè, â³äïîâ³äíî ñòðîê ïîâåðíåííÿ ãðîøîâèõ êîøò³â ñòîðîíàìè íå âèçíà÷åíèé.</FONT></P>
<P class="ps8"><FONT class="fs278">15.04.2015 ðîêó ïðîâàäæåííÿ ïî ñïðàâ³ ¹ 915/2027/14 çà êëîïîòàííÿì â³äïîâ³äà÷à áóëî çóïèíåíî êîëåã³ºþ ñóää³â Îäåñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ Æóðàâëüîâà Î.Î., ñóää³â Ñàâèöüêîãî ß.Ô., Ãëàäèøåâî¿ Ò.ß. äî âèð³øåííÿ ãîñïîäàðñüêèì ñóäîì Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ñïîðó ïî ñïðàâ³ ¹ 915/538/15.</FONT></P>
<P class="ps8"><FONT class="fs277">12.11.2015 ðîêó ó çâÿçêó ç ïðèïèíåííÿì ïîâíîâàæåíü ãîëîâóþ÷îãî ñóää³ Æóðàâëüîâà Î.Î., 19.11.2015 ðîêó â³äïîâ³äíî äî ï.2.3.50 Ïîëîæåííÿ ïðî àâòîìàòèçîâàíó ñèñòåìó äîêóìåíòîîá³ãó ñóäó, ïðèçíà÷åíî ïîâòîðíèé àâòîìàòè÷íèé ðîçïîä³ë ñïðàâè ¹ 915/2027/14, ÿêà ðîçïîä³ëåíà íà ðîçãëÿä äî êîëåã³¿ ñóää³â ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ Êîëîêîëîâà Ñ.²., ñóää³â Ñàâèöüêîãî ß.Ô., Ãëàäèøåâî¿ Ò.ß.</FONT></P>
<P class="ps5"><FONT class="fs276">20.11.2015 ðîêó óõâàëîþ Îäåñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó êîëåã³ºþ ñóää³â ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ Êîëîêîëîâà Ñ.²., ñóää³â Ñàâèöüêîãî ß.Ô., Ãëàäèøåâî¿ Ò.ß., ïðèéíÿòî äî ñâîãî ïðîâàäæåííÿ àïåëÿö³éíó ñêàðãó Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ òà ïðîâàäæåííÿ ïî ñïðàâ³ ÿêî¿ áóëî çóïèíåíî 15.04.2015 ðîêó äî âèð³øåííÿ ïîâÿçàíîþ ç íåþ ³íøî¿ ñïðàâè ¹ 915/538/15. </FONT></P>
<P class="ps4"><FONT class="fs275">Ç ºäèíîãî äåðæàâíîãî ðåºñòðó ñóäîâèõ ð³øåíü âáà÷àºòüñÿ, ùî 26.01.2016 ðîêó ãîñïîäàðñüêèì ñóäîì Äí³ïðîïåòðîâñüêî¿ îáëàñò³ áóëî ïðèéíÿòî ð³øåííÿ ïî ñïðàâ³ ¹ 915/538/15, ÿêèì áóëî â³äìîâëåíî ó çàäîâîëåíí³ ïîçîâíèõ âèìîã Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ ïðî âèçíàííÿ äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013 ðîêó íåä³éñíèì ç ìîìåíòó éîãî óêëàäàííÿ, ó ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps0"><FONT class="fs274">          Âðàõîâóþ÷è âèùåâèêëàäåíå òà òå, ùî îáñòàâèíè, ÿê³ çóìîâèëè çóïèíåííÿ àïåëÿö³éíîãî ïðîâàäæåííÿ ïî ñïðàâ³ &nbsp;¹ 915/2027/14 óñóíóò³, óõâàëîþ ñóäó â³ä 26.02.2016 ðîêó ïðîâàäæåííÿ ïî ñïðàâ³ áóëî ïîíîâëåíî òà ïðèçíà÷åíî äî ðîçãëÿäó.</FONT></P>
<P class="ps5"><FONT class="fs273">14.03.2016 ðîêó â³ä ïðåäñòàâíèêà Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ ÷åðåç êàíöåëÿð³þ ñóäó íàä³éøëà çàÿâà, â³äïîâ³äíî äî ÿêî¿ çàçíà÷åíî, ùî ðîçãëÿä ñïðàâè 17.03.2016 íå ìîæå â³äáóòèñÿ ó çâÿçêó ³ç òèì, ùî ïîâÿçàíà ñïðàâà ¹ 915/538/15 íå âèð³øåíà Äí³ïðîïåòðîâñüêèì àïåëÿö³éíèì ãîñïîäàðñüêèì ñóäîì, ÿêèì áóëî â³äíîâëåíî ïðîöåñóàëüíèé ñòðîê äëÿ ïîäàííÿ àïåëÿö³éíî¿ ñêàðãè íà ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 26.01.2016 ðîêó, ÿêå íå íàáðàëî çàêîííî¿ ñèëè ÷åðåç àïåëÿö³éíå îñêàðæåííÿ.</FONT></P>
<P class="ps5"><FONT class="fs272">Êîëåã³ÿ ñóää³â çàÿâó Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ çàëèøàº áåç çàäîâîëåííÿ, òà ââàæàº çà íåîáõ³äíå çàçíà÷èòè íàñòóïíå.</FONT></P>
<P class="ps5"><FONT class="fs271">×àñòèíîþ 1 ñòàòò³ 79 ÃÏÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ãîñïîäàðñüêèé ñóä çóïèíÿº ïðîâàäæåííÿ ó ñïðàâ³ â ðàç³ íåìîæëèâîñò³ ðîçãëÿäó äàíî¿ ñïðàâè äî âèð³øåííÿ ïîâ'ÿçàíî¿ ç íåþ ³íøî¿ ñïðàâè, ùî ðîçãëÿäàºòüñÿ ³íøèì ñóäîì, à òàêîæ ó ðàç³ çâåðíåííÿ ãîñïîäàðñüêîãî ñóäó ³ç ñóäîâèì äîðó÷åííÿì ïðî íàäàííÿ ïðàâîâî¿ äîïîìîãè äî ³íîçåìíîãî ñóäó àáî ³íøîãî êîìïåòåíòíîãî îðãàíó ³íîçåìíî¿ äåðæàâè.</FONT></P>
<P class="ps5"><FONT class="fs270">Òàê, ïîâ'ÿçàí³ñòü ñïðàâ ïîëÿãàº ó òîìó, ùî ð³øåííÿ ³íøîãî ñóäó, ÿêèé ðîçãëÿäàº ñïðàâó, âñòàíîâëþº îáñòàâèíè, ùî âïëèâàþòü íà çáèðàííÿ òà îö³íêó äîêàç³â ó äàí³é ñïðàâ³, çîêðåìà, ôàêòè, ùî ìàþòü ïðåþäèö³àëüíå çíà÷åííÿ. Ö³ îáñòàâèíè ïîâèíí³ áóòè òàêèìè, ùî ìàþòü çíà÷åííÿ äëÿ äàíî¿ ñïðàâè.</FONT></P>
<P class="ps5"><FONT class="fs269">Ïðîâàäæåííÿ ïî äàí³é ñïðàâ³ âæå áóëî çóïèíåíî çà êëîïîòàííÿì Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ äî ðîçãëÿäó ãîñïîäàðñüêèì ñóäîì Äí³ïðîïåòðîâñüêî¿ îáëàñò³ ñïðàâè ¹ 915/538/15 ïðî âèçíàííÿ äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013 ðîêó íåä³éñíèì.</FONT></P>
<P class="ps5"><FONT class="fs268">Òàê, ð³øåííÿì ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 26.01.2016 ðîêó ïî ñïðàâ³ ¹ 915/538/15 ó çàäîâîëåíí³ ïîçîâíèõ âèìîã Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ áóëî â³äìîâëåíî.</FONT></P>
<P class="ps8"><FONT class="fs267">ßê âæå áóëî çàçíà÷åíî âèùå, ïðåäìåòîì ðîçãëÿäó äàíî¿ ñïðàâ³ º âèð³øåííÿ ïèòàííÿ ïðî íàÿâí³ñòü òà ñòÿãíåííÿ çàáîðãîâàíîñò³ çà íàäàí³/îòðèìàí³ êðåäèòí³ êîøòè. </FONT></P>
<P class="ps8"><FONT class="fs266">Òàêèì ÷èíîì, êîëåã³ÿ ñóää³â ââàæàº, ùî ïåðåãëÿä ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 26.01.2016 ðîêó ïî ñïðàâ³ ¹ 915/538/15 â àïåëÿö³éíîìó ïîðÿäêó íå ïåðåøêîäæàº ïî äàí³é ñïðàâ³ çä³éñíèòè ðîçãëÿä àïåëÿö³éíî¿ ñêàðãè ïðî ïåðåãëÿä ð³øåííÿ ïðî ñòÿãíåííÿ áîðãó ïî äàí³é ñïðàâ³. </FONT></P>
<P class="ps8"><FONT class="fs265">Òàêîæ, ó âèïàäêó ñêàñóâàííÿ ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Äí³ïðîïåòðîâñüêî¿ îáëàñò³ â³ä 26.01.2016 ðîêó ïî ñïðàâ³ ¹ 915/538/15 òà âèçíàííÿ Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013 ðîêó íåä³éñíèì, Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ íå ïîçáàâëåíî ïðàâà çâåðíóòèñÿ äî ñóäó ïðî ïåðåãëÿä îñêàðæóâàíîãî ð³øåííÿ çà íîâîâèÿâëåíèìè îáñòàâèíàìè.</FONT></P>
<P class="ps8"><FONT class="fs264">Ïîçèâà÷ â³äçèâ íà àïåëÿö³éíó ñêàðãó äî ñóäó íå íàäàâ, òà éîãî ïðåäñòàâíèê â ñóäîâå</FONT><FONT class="fs198"> </FONT><FONT class="fs263">çàñ³äàííÿ 17.03.2016 ðîêó íå çÿâèâñÿ, õî÷à áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ñëóõàííÿ ñïðàâè, ïðî ùî ñâ³ä÷èòü â³äïîâ³äíå ïîøòîâå ïîâ³äîìëåííÿ, à òîìó êîëåã³ÿ ñóää³â ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó çà â³äñóòí³ñòþ ïðåäñòàâíèêà ïîçèâà÷à.</FONT></P>
<P class="ps8"><FONT class="fs262">Ïðåäñòàâíèê â³äïîâ³äà÷à â ñóäîâå çàñ³äàííÿ 17.03.2016 ðîêó òàêîæ íå ç'ÿâèâñÿ áåç ïîâàæíèõ ïðè÷èí, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèâ, áóäü-ÿêèõ êëîïîòàíü íå çàÿâëÿâ, õî÷à áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ òà ì³ñöå ñëóõàííÿ ñïðàâè, ùî ï³äòâåðäæóºòüñÿ â³äïîâ³äíèì ïîøòîâèì, à òîìó ñóäîâà êîëåã³ÿ ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó çà éîãî â³äñóòí³ñòþ.</FONT></P>
<P class="ps5"><FONT class="fs261">Ðîçãëÿíóâøè òà ïåðåâ³ðèâøè ìàòåð³àëè ñïðàâè ³ àïåëÿö³éíó ñêàðãó, ïðîàíàë³çóâàâøè íà ï³äñòàâ³ âñòàíîâëåíèõ ôàêòè÷íèõ îáñòàâèí ñïðàâè ïðàâèëüí³ñòü çàñòîñóâàííÿ ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì íîðì ìàòåð³àëüíîãî òà ïðîöåñóàëüíîãî ïðàâà, ñóäîâà êîëåã³ÿ ä³éøëà äî íàñòóïíîãî.</FONT></P>
<P class="ps5"><FONT class="fs260">Â³äïîâ³äíî äî ïðèïèñ³â ñò.101 ÃÏÊ Óêðà¿íè àïåëÿö³éíà ³íñòàíö³ÿ íå çâÿçàíà äîâîäàìè àïåëÿö³éíî¿ ñêàðãè ³ ïåðåâ³ðÿº çàêîíí³ñòü òà îá´ðóíòîâàí³ñòü ð³øåííÿ ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó â ïîâíîìó îáñÿç³, à çã³äíî äî ïðèïèñ³â ñò.33, 34 ÃÏÊ Óêðà¿íè, êîæíà ñòîðîíà ïîâèííà íàëåæíèìè ³ äîïóñòèìèì äîêàçàìè äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ â îá´ðóíòóâàííÿ ñâî¿õ âèìîã ÷è çàïåðå÷åíü.</FONT></P>
<P class="ps0"><FONT class="fs259">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;          ßê âñòàíîâëåíî ãîñïîäàðñüêèì ñóäîì ïåðøî¿ ³íñòàíö³¿ òà ï³äòâåðäæåíî â õîä³ àïåëÿö³éíîãî ïðîâàäæåííÿ, â³äïîâ³äà÷åì - Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ 29.03.2013 ðîêó áóëî ïîäàíî äî ÏÀÒ ÊÁ "Ïðèâàòáàíê" òà ï³äïèñàíî çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó&nbsp; &nbsp;&nbsp;(à.ñ.14).</FONT></P>
<P class="ps5"><FONT class="fs258">&nbsp; Ó äàí³é Çàÿâ³ çàçíà÷åíî, ùî ï³äïèñàâøè öþ çàÿâó Â³äïîâ³äà÷ çãîäíèé ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, â òîìó ÷èñë³ ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ ïî Ðîçðàõóíêîâèì êàðòêàì, ðîçòàøîâàíèì íà ñàéò³ áàíêó, òàðèôàìè áàíêó, ÿê³ ðàçîì ç ö³ºþ çàÿâîþ òà êàðòî÷êàìè ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêîì ïå÷àòêè ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. </FONT></P>
<P class="ps5"><FONT class="fs257">Áàíê ïðè íàÿâíîñò³ ³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â çä³éñíþº îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, ïðî ðîçì³ð ÿêîãî áàíê ïîâ³äîìëÿº êë³ºíòà íà ñâ³é ðîçñóä àáî ó ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó áàíêó òà êë³ºíòà. Ïîðÿäîê âñòàíîâëåííÿ, çì³íè ë³ì³òó, ïîãàøåííÿ çàáîðãîâàíîñò³ òà ðîçì³ð ïðîöåíòíî¿ ñòàâêè çà âèêîðèñòàííÿ êðåäèòíîãî ë³ì³òó ðåãëàìåíòóºòüñÿ Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà Òàðèôàìè áàíêó, ðîçòàøîâàíèõ â ñåò³ ²íòåðíåò íà ñàéò³ Áàíêó, ÿê³ ðàçîì ç ö³ºþ àíêåòîþ (çàÿâîþ) ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ.</FONT></P>
<P class="ps0"><FONT class="fs256">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ï³äïèñàâøè çàÿâó Áàíê òà êë³ºíò ïðèºäíóþòüñÿ ³ çîáîâ'ÿçóþòüñÿ âèêîíóâàòè óìîâè, âèêëàäåí³ â Óìîâàõ òà Ïðàâèëàõ íàäàííÿ áàíê³âñüêèõ ïîñëóã, òàðèôàõ áàíêó - Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó. Â³äíîñèíè ì³æ áàíêîì òà êë³ºíòîì ìîæóòü âèð³øóâàòèñÿ ÿê øëÿõîì ï³äïèñàííÿ îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä äî öüîãî Äîãîâîðó, òàê ³ øëÿõîì îáì³íó ³íôîðìàö³ºþ/óçãîäæåííÿ ïî ïèòàííÿì áàíê³âñüêîãî îáñëóãîâóâàííÿ ç êë³ºíòîì ÷åðåç web-ñàéò áàíêó.</FONT></P>
<P class="ps0"><FONT class="fs255">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          &nbsp;Óìîâè òà Ïðàâèëà íàäàííÿ áàíê³âñüêèõ ïîñëóã, ðîçì³ùåí³ íà îô³ö³éíîìó ñàéò³ Ïîçèâà÷à ÏÀÒ Êîìåðö³éíèé áàíê "Ïðèâàòáàíê", ùî ä³º íà ï³äñòàâ³ Áàíê³âñüêî¿ Ë³öåíç³¿.</FONT></P>
<P class="ps5"><FONT class="fs254">Òàê, óìîâè íàäàííÿ, âèêîðèñòàííÿ òà îáñëóãîâóâàííÿ êðåäèòíîãî ë³ì³òó, à òàêîæ áóäü-ÿê³ îïåðàö³¿ ç íèì, âèçíà÷åí³ â ðîçä³ë³ 3.2.1 Óìîâ.</FONT></P>
<P class="ps5"><FONT class="fs253">Ïóíêò 3.2.1.1.1 Óìîâ òà Ïðàâèë âèçíà÷àº, ùî êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê (äàë³ - êðåäèò) íàäàºòüñÿ íà ïîïîâíåííÿ îá³ãîâèõ êîøò³â òà çä³éñíåííÿ ïîòî÷íèõ ïëàòåæ³â Êë³ºíòó, â ìåæàõ êðåäèòíîãî ë³ì³òó. Ïðî ðîçì³ð ë³ì³òó Áàíê ïîâ³äîìëÿº Êë³ºíòà íà ñâ³é âèá³ð àáî â ïèñüìîâ³é ôîðì³, àáî ÷åðåç âñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó òà Êë³ºíòà (ñèñòåìè êë³ºíò-áàíê, ³íòåðíåò êë³ºíò áàíê, sms-ïîâ³äîìëåííÿ àáî ³íøèõ). Áàíê çä³éñíþº îáñëóãîâóâàííÿ ë³ì³òó Êë³ºíòó, ùî çä³éñíþºòüñÿ øëÿõîì ïðîâåäåííÿ éîãî ïëàòåæ³â çâåðõ çàëèøêó êîøò³â íà ïîòî÷íîìó ðàõóíêó Êë³ºíòà, ïðè íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ ðåñóðñ³â, çà ðàõóíîê êðåäèòíèõ êîøò³â â ìåæàõ ë³ì³òó, øëÿõîì äåáåòóâàííÿ. Ïðè öüîìó âèíèêàº äåáåòîâå ñàëüäî.</FONT></P>
<P class="ps9"><FONT class="fs252">Ïóíêòîì 3.2.1.1.3. Óìîâ çàçíà÷åíî, ùî êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</FONT></P>
<P class="ps9"><FONT class="fs251">Â³äïîâ³äíî äî ï. 3.2.1.1.16. Óìîâ ïðè óêëàäàíí³ äîãîâîð³â ³ óãîä, ÷è â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà äî Óìîâ (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="ps9"><FONT class="fs250">Â³äïîâ³äíî äî ñò. 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ" åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè). Åëåêòðîííèé ï³äïèñ íå ìîæå áóòè âèçíàíèé íåä³éñíèì ëèøå ÷åðåç òå, ùî â³í ìàº åëåêòðîííó ôîðìó.</FONT></P>
<P class="ps0"><FONT class="fs249">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðàâèëà òà Óìîâè º ïóáë³÷íîþ îôåðòîþ, ùî ì³ñòÿòü óìîâè òà ïðàâèëà íàäàííÿ ïîñëóã áàíêîì éîãî êë³ºíòàì. </FONT></P>
<P class="ps0"><FONT class="fs248">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Îòæå, âðàõîâóþ÷è âèùåâèêëàäåíå, çàÿâà ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó ç³ çðàçêàìè ï³äïèñ³â òà â³äáèòêîì ïå÷àòêè&nbsp; ðàçîì ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, òàðèôàìè, ùî ðîçòàøîâàí³ íà îô³ö³éíîìó ñàéò³ Áàíêó ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä&nbsp; 29.03.2013 ðîêó.</FONT></P>
<P class="ps9"><FONT class="fs245">Â³äïîâ³äíî äî ðîçä³ëó 3.2.1.4 Óìîâ Ïîðÿäîê ðîçðàõóíê³â, 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="ps9"><FONT class="fs244">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóë³ííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò ç íàñòóïíîãî 20-ãî äî 25-ãî ÷èñëà ì³ñÿöÿ (íàäàë³ - "ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ"), ðîçðàõóíîê ïðîöåíò³â çä³éñíþºòüñÿ çà ïðîöåíòíîþ ñòàâêîþ â ðîçì³ð³ 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps9"><FONT class="fs243">Ïðè íå îáíóë³íí³ äåáåòîâîãî ñàëüäî â îäíó ç äàò ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàº îáíóë³ííþ, ïðîòÿãîì 90 äí³â ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³ääÿãàëî îáíóë³ííþ, êë³ºíò âèïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì ïðîöåíòè â ðîçì³ð³ 24% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îäó, â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ.</FONT></P>
<P class="ps9"><FONT class="fs242">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 90 äí³â ç äàòè çàê³í÷åííÿ ïåð³îäó, â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, ïî÷èíàþ÷è ç 91-ãî äíÿ ï³ñëÿ äàòè çàê³í÷åííÿ ïåð³îäó â ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóë³ííþ, 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 48% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</FONT></P>
<P class="ps5"><FONT class="fs241">Ïóíêòîì 3.2.1.1.8 Óìîâ ïåðåäáà÷åíî, ùî 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/²íòåðíåò êë³ºíò-áàíê, àáî ó ôîðì³ îáì³íó ïàïåðîâîþ àáî åëåêòðîííîþ ³íôîðìàö³ºþ, ÷è ó áóäü-ÿê³é ³íø³é ôîðì³ - "Óãîäà").</FONT></P>
<P class="ps5"><FONT class="fs240">Ïóíêòîì 3.2.1.1.6. Óìîâ âèçíà÷åíî, 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.</FONT></P>
<P class="ps5"><FONT class="fs239">Òàêèì ÷èíîì, ó çâ'ÿçêó ç íåñâîº÷àñíèì âèêîíàííÿì óêëàäåíîãî Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013 ðîêó ñòàíîì íà 07.11.2014 ðîêó çà â³äïîâ³äà÷åì îáë³êîâóºòüñÿ çàáîðãîâàí³ñòü&nbsp; &nbsp;&nbsp;íà çàãàëüíó ñóìó 232&nbsp; 429,89 ãðí., ÿêà ñêëàäàºòüñÿ ç çàáîðãîâàíîñò³ çà êðåäèòîì  189&nbsp; 290,32 ãðí., çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì -&nbsp; &nbsp;&nbsp;27&nbsp; 728,35 ãðí., 10&nbsp; 300,39 - &nbsp;ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì  1&nbsp; 807,48 ãðí.,&nbsp; &nbsp;&nbsp;çàáîðãîâàíîñò³ ïî êîì³ñ³¿&nbsp; &nbsp;&nbsp;çà êîðèñòóâàííÿ êðåäèòîì  5&nbsp; 110,83 ãðí., ùî âáà÷àºòüñÿ ç ðîçðàõóíêó (à.ñ.68-71).</FONT></P>
<P class="ps4"><FONT class="fs238">&nbsp; &nbsp;&nbsp;06.10.2014 ÏÀÒ Êîìåðö³éíèé áàíê "Ïðèâàò Áàíê" çâåðíóâñÿ äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ ç ïðåòåíç³ºþ, çã³äíî ç ÿêî¿ ïðîñèâ ïîãàñèòè çàáîðãîâàí³ñòü, ÿêà âèíèêëà çà Äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ ¹ á/í â³ä 29.03.2013 ðîêó, ó çàãàëüí³é ñóì³ 216&nbsp; 509,63 ãðí. Äàíà ïðåòåíç³ÿ íàä³ñëàíà íà àäðåñó â³äïîâ³äà÷à ïîøòîþ, ö³ííèì ëèñòîì ç îïèñîì âêëàäåííÿ 19.10.2014 ðîêó (à.ñ.31-32).</FONT></P>
<P class="ps4"><FONT class="fs237">Ì³æ òèì, òàêà ïðåòåíç³ÿ çàëèøåíà â³äïîâ³äà÷åì áåç â³äïîâ³ä³ òà çàäîâîëåííÿ, ùî ³ ñòàëî ï³äñòàâîþ äëÿ çâåðíåííÿ ïîçèâà÷à äî ñóäó ç â³äïîâ³äíèì ïîçîâîì. </FONT></P>
<P class="ps5"><FONT class="fs236">Ïåðåâ³ðèâøè ïîâíîòó âñòàíîâëåíèõ ñóäîì ïåðøî¿ ³íñòàíö³¿ îáñòàâèí ñïðàâè òà ïðàâèëüí³ñòü ¿õ þðèäè÷íî¿ îö³íêè, Îäåñüêèé àïåëÿö³éíèé ãîñïîäàðñüêèé ñóä ä³éøîâ âèñíîâêó, ùî àïåëÿö³éíà ñêàðãà Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ çàäîâîëåííþ íå ï³äëÿãàº ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps5"><FONT class="fs235">Â³äïîâ³äíî äî ñò.ñò.1066, 1067 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè óêëàäàºòüñÿ äîãîâ³ð áàíê³âñüêîãî ðàõóíêà, çà ÿêèì 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="ps5"><FONT class="fs234">Áàíê çîáîâ'ÿçàíèé óêëàñòè äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ç êë³ºíòîì, ÿêèé çâåðíóâñÿ ç ïðîïîçèö³ºþ â³äêðèòè ðàõóíîê íà îãîëîøåíèõ áàíêîì óìîâàõ, ùî â³äïîâ³äàþòü çàêîíó òà áàíê³âñüêèì ïðàâèëàì. Áàíê íå ìàº ïðàâà â³äìîâèòè ó â³äêðèòò³ ðàõóíêà, â÷èíåííÿ â³äïîâ³äíèõ îïåðàö³é çà ÿêèì ïåðåäáà÷åíî çàêîíîì, óñòàíîâ÷èìè äîêóìåíòàìè áàíêó òà íàäàíîþ éîìó ë³öåíç³ºþ, êð³ì âèïàäê³â, êîëè áàíê íå ìàº ìîæëèâîñò³ ïðèéíÿòè íà áàíê³âñüêå îáñëóãîâóâàííÿ àáî ÿêùî òàêà â³äìîâà äîïóñêàºòüñÿ çàêîíîì àáî áàíê³âñüêèìè ïðàâèëàìè.</FONT></P>
<P class="ps5"><FONT class="fs233">Â³äïîâ³äíî äî ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, 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. Ïðè öüîìó, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ Ãîñïîäàðñüêèì êîäåêñîì Óêðà¿íè. </FONT></P>
<P class="ps5"><FONT class="fs232">Çà óìîâàìè ñò.ñò. 526, 525 Öèâ³ëüíîãî Êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî 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. Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì</FONT></P>
<P class="ps5"><FONT class="fs231">ßêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíî ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í) ( ñò. 530 ÖÊ Óêðà¿íè). </FONT></P>
<P class="ps5"><FONT class="fs230">Ïîðóøåííÿì çîáîâ'ÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ) (ñò. 610 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps5"><FONT class="fs229">Ñòàòòåþ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps0"><FONT class="fs228">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Ãîñïîäàðñüêèé ñóä Îäåñüêî¿ îáëàñò³ ä³éøîâ äî â³ðíîãî âèñíîâêó, ç ÿêèì ïîãîäæóºòüñÿ àïåëÿö³éíà ³íñòàíö³ÿ, ùî çà ñâîºþ ïðàâîâîþ ïðèðîäîþ äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 29.03.2013 ðîêó â ÷àñòèí³ âñòàíîâëåííÿ òà îáñëóãîâóâàííÿ&nbsp; &nbsp;&nbsp;êðåäèòíîãî ë³ì³òó, º êðåäèòíèì äîãîâîðîì. </FONT></P>
<P class="ps0"><FONT class="fs227">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          Â³äïîâ³äíî äî ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, 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. </FONT></P>
<P class="ps0"><FONT class="fs226">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïîçèêîäàâåöü&nbsp; &nbsp;&nbsp;ìàº&nbsp; &nbsp;&nbsp;ïðàâî&nbsp; &nbsp;&nbsp;íà&nbsp; &nbsp;&nbsp;îäåðæàííÿ&nbsp; &nbsp;&nbsp;â³ä&nbsp; &nbsp;&nbsp;ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþþòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî&nbsp; &nbsp;&nbsp;áàíêó Óêðà¿íè. Ó ðàç³ â³äñóòíîñò³ ³íøî¿ äîìîâëåíîñò³ ñòîð³í ïðîöåíòè âèïëà÷óþòüñÿ ùîì³ñÿöÿ äî äíÿ ïîâåðíåííÿ ïîçèêè (ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps5"><FONT class="fs225">Ïîçèêà ââàæàºòüñÿ ïîâåðíóòîþ â ìîìåíò çàðàõóâàííÿ ãðîøîâî¿ ñóìè, ùî ïîçè÷àëàñÿ, íà áàíê³âñüêèé ðàõóíîê ïîçèêîäàâöÿ (÷. 3 ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè). </FONT></P>
<P class="ps0"><FONT class="fs224">&nbsp; &nbsp;&nbsp;          Çã³äíî ç ÷. 1 ñò. 1050 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè&nbsp; &nbsp;&nbsp;ÿêùî ïîçè÷àëüíèê ñâîº÷àñíî íå ïîâåðíóâ ñóìó ïîçèêè, â³í çîáîâ'ÿçàíèé ñïëàòèòè ãðîøîâó ñóìó â³äïîâ³äíî äî ñòàòò³ 625 öüîãî&nbsp; &nbsp;&nbsp;Êîäåêñó. </FONT></P>
<P class="ps5"><FONT class="fs223">Çà óìîâàìè ñò. 599 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, çîáîâ'ÿçàííÿ ïðèïèíÿºòüñÿ âèêîíàííÿì, ïðîâåäåíèì íàëåæíèì ÷èíîì.</FONT></P>
<P class="ps0"><FONT class="fs182">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          </FONT><FONT class="fs222">Â³äïîâ³äà÷ íàëåæíèì ÷èíîì&nbsp; &nbsp;&nbsp;òà ó ïîâíîìó îáñÿç³ çîáîâ'ÿçàííÿ çà äîãîâîðîì, â òåðì³í, ïåðåäáà÷åíèé äîãîâîðîì íå âèêîíàâ. Äîêàç³â ïîãàøåííÿ ñóìè çàáîðãîâàíîñò³ ó ïîâíîìó îáñÿç³ äî ìàòåð³àë³â ñïðàâè íå íàäàíî, òàêèì ÷èíîì çà â³äïîâ³äà÷åì íàÿâíà çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 189&nbsp; 290,32 ãðí.,</FONT></P>
<P class="ps0"><FONT class="fs221">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Êð³ì òîãî ïîçèâà÷åì ïðàâîì³ðíî â³äïîâ³äíî äî óìîâ äîãîâîðó íàðàõîâàí³ ïðîöåíòè çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 27&nbsp; 728,35 ãðí. â³äïîâ³äíî äî óìîâ ï.3.2.1.5.1 Óìîâ çà êîðèñòóâàííÿ êðåäèòîì.</FONT></P>
<P class="ps0"><FONT class="fs220">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Òàêîæ âðàõîâóþ÷è íåâèêîíàííÿ â³äïîâ³äà÷åì ïðèéíÿòèõ íà ñåáå çîáîâ'ÿçàíü ç ïîâåðíåííÿ êðåäèòó òà ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ïîçèâà÷åì â³äïîâ³äíî äî ï.ï.3.18.5.1, 3.18.5.4 Óìîâ çà êîðèñòóâàííÿ êðåäèòîì íàðàõîâàíî ïåíþ ó ðîçì³ð³ 10&nbsp; 300,39 ãðí.</FONT></P>
<P class="ps0"><FONT class="fs219">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Â³äïîâ³äíî äî ñò.ñò.610-611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâ'ÿçàííÿ (íåíàëåæíå âèêîíàííÿ), º éîãî ïîðóøåííÿì, ó ðàç³ ÿêîãî íàñòàþòü ïðàâîâ³ íàñë³äêè, çîêðåìà, ñïëàòà íåóñòîéêè. </FONT></P>
<P class="ps0"><FONT class="fs218">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Çã³äíî ç³ ñò.549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ïîâèíåí ïåðåäàòè&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;êðåäèòîðîâ³&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ó&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. </FONT></P>
<P class="ps0"><FONT class="fs217">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðàâî íà íåóñòîéêó âèíèêàº íåçàëåæíî â³ä íàÿâíîñò³ ó êðåäèòîðà çáèòê³â, çàâäàíèõ íåâèêîíàííÿì àáî íåíàëåæíèì âèêîíàííÿì çîáîâ'ÿçàííÿ (÷. 1 ñò.550 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè). Ñïëàòà íåóñòîéêè íå çâ³ëüíÿº áîðæíèêà â³ä âèêîíàííÿ ñâîãî îáîâ'ÿçêó â íàòóð³&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(÷. 1 ñò.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;552 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps0"><FONT class="fs216">Â³äïîâ³äíî äî ï. 3.18.5.4 Óìîâ, íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü çä³éñíþºòüñÿ ïðîòÿãîì 3 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ïîâèííî áóòè âèêîíàíî êë³ºíòîì. </FONT></P>
<P class="ps5"><FONT class="fs215">Çà òàêèõ îáñòàâèí, ñóäîâà êîëåã³ÿ äîõîäèòü äî âèñíîâêó, ùî óñ³ Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ â àïåëÿö³éí³é ñêàðç³ îáñòàâèíè, à ñàìå íå óêëàäàííÿ ì³æ ñòîðîíàìè êðåäèòíîãî äîãîâîðó, ñïðîñòîâóþòüñÿ âèùåâèêëàäåíèì, òà òèì, ùî â³äïîâ³äà÷ ïðè ï³äïèñàííÿ çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, ôàêòè÷íî ïîãîäèâñÿ ç óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã òà òàðèôàìè áàíêó.</FONT></P>
<P class="ps5"><FONT class="fs214">Êð³ì òîãî ñë³ä çàçíà÷èòè, Â³äïîâ³äíî äî ñòàòò³ 6 öüîãî Êîäåêñó ñòîðîíè º â³ëüíèìè â óêëàäåíí³ äîãîâîðó, âèáîð³ êîíòðàãåíòà òà âèçíà÷åíí³ óìîâ äîãîâîðó ç óðàõóâàííÿì âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà, çâè÷à¿â ä³ëîâîãî îáîðîòó, âèìîã ðîçóìíîñò³ òà ñïðàâåäëèâîñò³ (÷. 1 ñò. 627 ÖÊ Óêðà¿íè). </FONT></P>
<P class="ps5"><FONT class="fs213">Ñòàòòåþ 628 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî 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="ps5"><FONT class="fs212">Â³äïîâ³äíî äî ÷. 1 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.</FONT></P>
<P class="ps5"><FONT class="fs211">Ó ÷. 1 ñò. 1067 ÖÊ Óêðà¿íè çàêð³ïëåíî, ùî äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè.</FONT></P>
<P class="ps5"><FONT class="fs210">Òàêèì ÷èíîì, êîëåã³ÿ ñóää³â àïåëÿö³éíî¿ ³íñòàíö³¿ ââàæàº, ùî ì³ñöåâèé ãîñïîäàðñüêèé ñóä ä³éøîâ â³ðíîãî âèñíîâêó ïðî íàÿâí³ñòü ï³äñòàâ äëÿ çàäîâîëåííÿ ïîçîâó, òà â³äïîâ³äíî äî ïðèïèñ³â ñò. 43 ÃÏÊ Óêðà¿íè áóëè äîñë³äæåí³ òà ïåðåâ³ðåí³ &nbsp;ïåðâèíí³ äîêóìåíòàìè, ÿêèìè ï³äòâåðäæóºòüñÿ ôàêò íàäàííÿ ïîçèâà÷åì â³äïîâ³äà÷åâ³ êðåäèòó, â³äïîâ³äíî äàòó ³ éîãî ðîçì³ð, ïåð³îä êîðèñòóâàííÿ.</FONT></P>
<P class="ps5"><FONT class="fs209">Ïîñèëàííÿ ñêàðæíèêà íà òå, ùî çà çàÿâêîþ ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó â³äïîâ³äíî äî «Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã», íå ìîæå áóòè ñòÿãíóòà çàáîðãîâàí³ñòü çà êðåäèòîì, îñê³ëüêè &nbsp;êðåäèòíèé äîãîâ³ð &nbsp;ñòîðîíàìè íå áóâ ï³äïèñàíèé ó â³äïîâ³äíîñò³ äî íîðì ÷èííîãî çàêîíîäàâñòâà, ñïðîñòîâóºòüñÿ íàñòóïíèì.</FONT></P>
<P class="ps0"><FONT class="fs208">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ïðèïèñè ñò.634 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîëîæåííÿ ï. 3.2.1.1.16 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã, âñòàíîâëåíî, ùî ï³äïèñàâøè 29.03.2013 ðîêó Çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó òà êàðòêè ç³ çðàçêàìè ï³äïèñ³â ³ â³äáèòêó ïå÷àòêè, ÿêà ðàçîì ç Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã (ùî ðîçì³ùåí³ íà ñàéò³ áàíêó), â òîìó ÷èñë³ ç Óìîâàìè òà ïðàâèëàìè îáñëóãîâóâàííÿ ïî ðîçðàõóíêîâèì êàðòàì, Òàðèôàìè áàíêó, ñêëàäàþòü Äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ, â³äïîâ³äà÷ ïðèºäíàâñÿ äî Äîãîâîðó áàíê³âñüêîãî îáñëóãîâóâàííÿ â ö³ëîìó òà çîáîâ'ÿçàâñÿ âèêîíóâàòè óìîâè äîãîâîðó.</FONT></P>
<P class="ps5"><FONT class="fs207">Âðàõîâóþ÷è âèùåâèêëàäåíå, ñóäîâà êîëåã³ÿ ââàæàº, ùî óñ³ äîâîäè, çàïåðå÷åííÿ òà âèìîãè Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ, âèêëàäåí³ â àïåëÿö³éí³é ñêàðç³, º íåîá´ðóíòîâàíèìè, áåçï³äñòàâíèìè òà ï³äëÿãàþòü â³äõèëåííþ ç ï³äñòàâ, âèêëàäåíèõ â ìîòèâóâàëüí³é ÷àñòèí³ ïîñòàíîâè.</FONT></P>
<P class="ps5"><FONT class="fs206">Òîâàðèñòâîì ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ í³ÿêèõ äîäàòêîâèõ ïîÿñíåíü òà â³äïîâ³äíèõ äîêàç³â äî ñóäó àïåëÿö³éíî¿ ³íñòàíö³¿ íå íàäàíî, à òîìó çàçíà÷åí³ âèùå ôàêòè ñêàðæíèêîì ï³ä ÷àñ ðîçãëÿäó àïåëÿö³éíî¿ ñêàðãè â ñóä³ àïåëÿö³éíî¿ ³íñòàíö³¿ í³÷èì ñïðîñòîâàí³ íå áóëè, à â³äïîâ³äíî, â ïîðóøåííÿ ñòàòò³ 33 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó ³ íå áóëè äîâåäåí³ ò³ îáñòàâèíè, íà ÿê³ ñêàðæíèê ïîñèëàâñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã, äîâîä³â ³ çàïåðå÷åíü. &nbsp;</FONT></P>
<P class="ps5"><FONT class="fs205">Âèùåçàçíà÷åíå ïîâí³ñòþ ñïðîñòîâóº äîâîäè ñêàðæíèêà, âèêëàäåí³ â àïåëÿö³éí³é ñêàðç³, íà ï³äñòàâ³ ÷îãî ñóäîâà êîëåã³ÿ ä³éøëà äî âèñíîâêó ïðî ïðàâîì³ðí³ñòü òà îá´ðóíòîâàí³ñòü âèíåñåíîãî ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì ð³øåííÿ ïðî çàäîâîëåííÿ ïîçîâíèõ âèìîã Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê Ïðèâàò Áàíê.</FONT></P>
<P class="ps5"><FONT class="fs204">Çà âèêëàäåíèõ îáñòàâèí, êîëåã³ÿ ñóää³â ââàæàº, ùî ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ â³ä 05.02.2015 ðîêó ïî ñïðàâ³ ¹ 915/2027/14 â³äïîâ³äàº âèìîãàì ÷èííîãî çàêîíîäàâñòâà òà ìàòåð³àëàì ñïðàâè, ï³äñòàâè äëÿ éîãî ñêàñóâàííÿ àáî çì³íè â³äñóòí³, à òîìó âîíî ï³äëÿãàº çàëèøåííþ áåç çì³í, à àïåëÿö³éíà ñêàðãà Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ  áåç çàäîâîëåííÿ.</FONT></P>
<P class="ps10"><FONT class="fs171">Êåðóþ÷èñü ñòàòòÿìè 99, 101-105 &nbsp;Ãîñïîäàðñüêîãî &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, êîëåã³ÿ ñóää³â, -</FONT></P>
<P class="ps13"><FONT class="fs161">Ï Î Ñ Ò À Í Î Â È Ë À:</FONT></P>
<P class="ps7"><FONT class="fs203">1. Àïåëÿö³éíó ñêàðãó Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Ï³âäåííèé Åäåëüâåéñ çàëèøèòè áåç çàäîâîëåííÿ.</FONT></P>
<P class="ps7"><FONT class="fs202">2. Ð³øåííÿ ãîñïîäàðñüêîãî ñóäó Ìèêîëà¿âñüêî¿ îáëàñò³ â³ä 05 ëþòîãî 2015 ðîêó ïî ñïðàâ³ ¹ 915/2027/14 çàëèøèòè áåç çì³í.</FONT></P>
<P class="ps7"><FONT class="fs201">Ïîñòàíîâà â ïîðÿäêó ñòàòò³ 105 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè íàáèðàº çàêîííî¿ ñèëè ç äíÿ ¿¿ ïðèéíÿòòÿ.</FONT></P>
<P class="ps7"><FONT class="fs200">Ïîñòàíîâó àïåëÿö³éíî¿ ³íñòàíö³¿ ìîæå áóòè îñêàðæåíî ó êàñàö³éíîìó ïîðÿäêó äî Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ïðîòÿãîì äâàäöÿòè äí³â ç äíÿ íàáðàííÿ ïîñòàíîâè çàêîííî¿ ñèëè.</FONT></P>
<P class="ps5"><FONT class="fs300">Ïîâíèé òåêñò ïîñòàíîâè</FONT></P>
<P class="ps6"><FONT class="fs299">ñêëàäåíî 21 áåðåçíÿ 2016 ðîêó</FONT></P>
<P class="ps3"><FONT class="fs181">Ãîëîâóþ÷èé 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;Ñ.². Êîëîêîëîâ</FONT></P>
<P class="ps3"><FONT class="fs180">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;Ò.ß. Ãëàäèøåâà</FONT></P>
<P class="ps3"><FONT class="fs179">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>
<P><FONT class="fs178"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P>