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<P class="ps8"><FONT class="fs172"> &nbsp;&nbsp;</FONT><FONT class="fs170"><IMG src="herb.gif" height=72 width=54></FONT></P>
<P class="ps5"><FONT class="fs91">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÏÎËÒÀÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps5"><FONT class="fs90">Ð ² Ø Å Í Í ß</FONT></P>
<P class="ps5"><FONT class="fs89">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps7">24.03.2016<FONT class="fs99"> ð.                                                                                Ñïðàâà ¹917/236/16</FONT></P>
<P class="ps4">                    Ãîñïîäàðñüêèé ñóä Ïîëòàâñüêî¿ îáëàñò³</P>
<P class="ps3">â ñêëàä³ ãîëîâóþ÷îãî ñóää³ Êóëüáàêî Ì.Ì.,</P>
<P class="ps3">çà ó÷àñòþ ïðåäñòàâíèê³â:</P>
<P class="ps3">ïîçèâà÷à: íå ç'ÿâèâñÿ,</P>
<P class="ps3">â³äïîâ³äà÷à: íå ç'ÿâèâñÿ,</P>
<P class="ps3">ðîçãëÿíóâøè ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ ñïðàâó</P>
<P class="ps1"><FONT class="fs98">çà ïîçîâîì</FONT> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà &nbsp;êîìåðö³éíèé áàíê "Ïðèâàòáàíê", </P>
<P class="ps1"><FONT class="fs97">äî</FONT> Ïðèâàòíîãî ï³äïðèºìñòâà "Ñèñòåìè àâòîìàòèêè", </P>
<P class="ps0"><FONT class="fs96">ïðî</FONT> ñòÿãíåííÿ 36 357,59 ãðí., - </P>
<P class="ps3"><FONT class="fs95">                                                            ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps2">22.03.2016 ð. ïîçèâà÷ íàä³ñëàâ ñóäó âèïèñêè ïî ðàõóíêàõ îáë³êó êðåäèòó, â³äñîòê³â, êîì³ñ³¿ òà ïåí³ äëÿ ïðèºäíàííÿ äî ìàòåð³àë³â ñïðàâè.</P>
<P class="ps3">Ïîçèâà÷ â ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ, ïðè÷èí ùîäî òîãî ñóäó íå ïîâ³äîìèâ.</P>
<P class="ps2">Â³äïîâ³äà÷ â ñóäîâå çàñ³äàííÿ íå ç'ÿâèâñÿ, áóäó÷è íàëåæíèì ÷èíîì ïîâ³äîìëåíèì ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ùî ï³äòâåðäæóºòüñÿ ïîâ³äîìëåííÿì ïðî âðó÷åííÿ ïîøòîâîãî â³äïðàâëåííÿ, âèìîã ñóäó, âèêëàäåíèõ â óõâàë³ ñóäó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ òà óõâàëàõ ñóäó ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè íå âèêîíàâ.</P>
<P class="ps2">Ñóäîì âðàõîâàíî ðåêîìåíäàö³¿, âèêëàäåí³ ó ï. 3.9.1 ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26 ãðóäíÿ 2011 ðîêó ¹18 "Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿", â³äïîâ³äíî äî ÿêèõ ó ðàç³, ÿêùî óõâàëó áóëî íàä³ñëàíî çà íàëåæíîþ àäðåñîþ 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. Êð³ì òîãî, ï. 3.9.2 Ïîñòàíîâè ì³ñòèòü ðåêîìåíäàö³þ, ùî 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.</P>
<P class="ps2">Çâàæàþ÷è íà òå, ùî ñóäîì ñòâîðåíî âñ³ íåîáõ³äí³ óìîâè äëÿ âñòàíîâëåííÿ ôàêòè÷íèõ îáñòàâèí ñïðàâè ³ ïðàâèëüíîãî çàñòîñóâàííÿ çàêîíîäàâñòâà, âæèòî çàõîäè äëÿ íàëåæíîãî ïîâ³äîìëåííÿ ó÷àñíèê³â ïðîöåñó ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, ïðîòå â³äïîâ³äà÷ íå ñêîðèñòàâñÿ ñâî¿ìè ïðàâàìè, ïåðåäáà÷åíèìè ñòàòòåþ 22 ÃÏÊ Óêðà¿íè òà âèõîäÿ÷è ç òîãî, ùî ÿâêà â³äïîâ³äà÷à íå âèçíàâàëàñÿ îáîâ'ÿçêîâîþ, à ó÷àñòü â çàñ³äàíí³ ñóäó º ïðàâîì, à íå îáîâ'ÿçêîì, ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó áåç ó÷àñò³ ïðåäñòàâíèê³â ñòîð³í, çà íàÿâíèìè ó í³é ìàòåð³àëàìè, ó â³äïîâ³äíîñò³ äî ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps2">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, ñóä âñòàíîâèâ, ùî 05.04.2012 ð. Ïðèâàòíèì ï³äïðèºìñòâîì "Ñèñòåìè àâòîìàòèêè", (íàäàë³ â³äïîâ³äà÷) áóëî ï³äïèñàíî çàÿâó á/í ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps2">Ïóíêòîì 3.2.1.1.16. Óìîâ âèçíà÷åíî, ùî ïðè óêëàäàíí³ äîãîâîð³â òà óãîä, àáî â÷èíåíí³ ³íøèõ ä³é, ùî ñâ³ä÷àòü ïðî ïðèºäíàííÿ êë³ºíòà äî "Óìîâ òà 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 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.</P>
<P class="ps2">ßê âáà÷àºòüñÿ ç ï. 3.2.1.1.1. Óìîâ, êðåäèòíèé ë³ì³ò íà ïîòî÷íèé ðàõóíîê íàäàºòüñÿ íà ïîïîâíåííÿ îáîðîòíèõ 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.</P>
<P class="ps2">Ó â³äïîâ³äíîñò³ äî ï. 3.2.1.1.3. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàò³ ïðîöåíò³â òà âèíàãîðîäè.</P>
<P class="ps2">Â³äïîâ³äíî äî ï. 3.2.1.1.6. Óìîâ, 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.</P>
<P class="ps2">Çã³äíî ç ï. 3.2.1.1.8. 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").</P>
<P class="ps2">05.04.2012 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 1 000,00 ãðí.;</P>
<P class="ps2">04.03.2013 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 3 000,00 ãðí.;</P>
<P class="ps2">19.06.2013 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 6 500,00 ãðí.;</P>
<P class="ps2">21.06.2013 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 12 000,00 ãðí.;</P>
<P class="ps2">01.03.2014 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 12 000,00 ãðí.;</P>
<P class="ps2">02.03.2014 ð. âñòàíîâëåíî êðåäèòíèé ë³ì³ò ó ðîçì³ð³ 3 857,40 ãðí.;</P>
<P class="ps2">Ïóíêòîì 3.2.1.4 Óìîâ çàòâåðäæåíî ïîðÿäîê ðîçðàõóíê³â.</P>
<P class="ps2">Âèçíà÷åíî, ùî çà êîðèñòóâàííÿ êðåäèòîì â ïåð³îä ç äàòè âèíèêíåííÿ äåáåòîâîãî ñàëüäî íà ïîòî÷íîìó ðàõóíêó êë³ºíòà ïðè çàêðèòò³ áàíê³âñüêîãî äíÿ êë³ºíò ñïëà÷óº ïðîöåíòè, âèõîäÿ÷è ç ïðîöåíòíî¿ ñòàâêè, ðîçì³ð ÿêî¿ çàëåæèòü â³ä ñòðîêó êîðèñòóâàííÿ êðåäèòîì (äèôåðåíö³éîâàíà ïðîöåíòíà ñòàâêà).</P>
<P class="ps2">Çà ïåð³îä êîðèñòóâàííÿ êðåäèòîì ç ìîìåíòó âèíèêíåííÿ äåáåòîâîãî ñàëüäî äî äàòè îáíóëåííÿ äåáåòîâîãî ñàëüäî â îäíó ç äàò äî 25-ãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñü ç 1-ãî äî 20-ãî (âêëþ÷íî) ÷èñëà ïîòî÷íîãî ì³ñÿöÿ àáî äî 25-ãî ÷èñëà íàñòóïíîãî ì³ñÿöÿ, ÿêùî äåáåòîâå ñàëüäî íà ïîòî÷íîìó ðàõóíêó óòâîðèëîñÿ ç 21-ãî äî ê³íöåâîãî ÷èñëà ïîòî÷íîãî ì³ñÿöÿ (äàë³ - "ïåð³îä, â ÿêèé äåáåòîâå ñàëüäî ï³äëÿãàº îáíóëåííþ"), ðîçðàõóíîê â³äñîòê³â ïðîâîäèòüñÿ çà ïðîöåíòíîþ ñòàâêîþ ó ðîçì³ð³, 0% ð³÷íèõ â³ä ñóìè çàëèøêó íåïîãàøåíî¿ çàáîðãîâàíîñò³.</P>
<P class="ps2">Ïðè íåîáíóëåíí³ 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 ñïëà÷óº áàíêó çà êîðèñòóâàííÿ êðåäèòîì â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ, ïî÷èíàþ÷è ç îñòàííüî¿ äàòè ïåð³îä, ó â ÿêó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ.</P>
<P class="ps2">Ó âèïàäêó íåïîãàøåííÿ êðåäèòó ïðîòÿãîì 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 ÿêîìó äåáåòîâå ñàëüäî ï³äëÿãàëî îáíóëåííþ, êðåäèò ââàæàºòüñÿ ïðîñòðî÷åíèì, à ãðîøîâ³ çîáîâ'ÿçàííÿ êë³ºíòà ç 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 òåðì³íó 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, âèõîäÿ÷è ç 360 äí³â ó ðîö³. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ç äíÿ, íàñòóïíîãî çà äàòîþ ïîðóøåííÿ çîáîâ'ÿçàííÿ.</P>
<P class="ps2">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.</P>
<P class="ps2">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.</P>
<P class="ps2">Â³äïîâ³äíî äî ï. 3.2.1.2.3.4. Óìîâ, áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ - âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</P>
<P class="ps2">Ó â³äïîâ³äíîñò³ äî 3.2.1.5.1. Óìîâ, ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.1.2.2.2, 3.2.1.4.1, 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 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 ï. 3.2.1.4.1.3. â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</P>
<P class="ps2">Ïðè ïðèéíÿòò³ ð³øåííÿ ïî ñïðàâ³ ñóä âèõîäèòü ç íàñòóïíîãî.</P>
<P class="ps2">Â³äïîâ³äíî äî ñòàòò³ 626 ÖÊ Óêðà¿íè, äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â.</P>
<P class="ps2">Çã³äíî ç ÷. 1, ÷. 2 ñòàòò³ 639 ÖÊ Óêðà¿íè, äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. ßêùî ñòîðîíè äîìîâèëèñÿ óêëàñòè äîãîâ³ð ó ïåâí³é ôîðì³, â³í ââàæàºòüñÿ óêëàäåíèì ç ìîìåíòó íàäàííÿ éîìó ö³º¿ ôîðìè, íàâ³òü ÿêùî çàêîíîì öÿ ôîðìà äëÿ äàíîãî âèäó äîãîâîð³â íå âèìàãàëàñÿ.</P>
<P class="ps2">Òîáòî, óêëàäåíèé ì³æ ñòîðîíàìè ó ñïðàâ³ êðåäèòíèé äîãîâ³ð íå ñóïåðå÷èòü ÷èííîìó çàêîíîäàâñòâó, óêëàäåíèé ó ïèñüìîâ³é ôîðì³, à ñâî¿ì ï³äïèñîì â ãðàô³ "Ï³äïèñ" íà çàÿâ³, ùî ðàçîì ç Óìîâàìè ñêëàäàº êðåäèòíèé äîãîâ³ð, â³äïîâ³äà÷ ï³äòâåðäèâ ñâîþ çãîäó ç óìîâàìè äàíîãî êðåäèòíîãî äîãîâîðó.</P>
<P class="ps2">Â³äïîâ³äíî äî ÷. 1 ñòàòò³ 193 ÃÏÊ 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. Äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ ÖÊ Óêðà¿íè ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ ÃÊ Óêðà¿íè.</P>
<P class="ps2">Çã³äíî ñòàòò³ 526 ÖÊ 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.</P>
<P class="ps2">Çã³äíî ñòàòò³ 530 ÖÊ Óêðà¿íè ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</P>
<P class="ps2">Îäíîñòîðîííÿ â³äìîâà â³ä çîáîâ'ÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì (ñò. 525 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps2">Â³äïîâ³äà÷ âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ çà äîãîâîðîì íå âèêîíàâ, äîêàç³â íà ñïðîñòóâàííÿ âèêëàäåíîãî íå íàäàâ, âíàñë³äîê ÷îãî ó ÏÏ "Ñèñòåìè àâòîìàòèêè" ñòàíîì íà 03.02.2016 ð. óòâîðèëàñü çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 11 113,14 ãðí.</P>
<P class="ps2">Âðàõîâóþ÷è òå, ùî â³äïîâ³äà÷, ï³äïèñàâøè çàÿâó ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó, ïîãîäèâñÿ ³ç Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, äîêàç³â ïîâåðíåííÿ ïîçèâà÷ó îòðèìàíèõ êîøò³â ñóäó íå íàäàâ òà íå ñïðîñòóâàâ îáñòàâèíè, íà ÿê³ ïîñèëàºòüñÿ ïîçèâà÷, ïîçîâí³ âèìîãè â ÷àñòèí³ ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì ó ðîçì³ð³ 11 113,14 ãðí. ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps2">Êð³ì âèìîãè ïðî ñòÿãíåííÿ îñíîâíîãî áîðãó, ïîçèâà÷åì òàêîæ çàÿâëåíî âèìîãè ïðî ñòÿãíåííÿ 10 478,52 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì; 12 564,36 ãðí. ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàííÿ çà äîãîâîðîì; 2 201,57 ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps2">ßê çàçíà÷èâ ïîçèâà÷, íàäàí³ ðàçîì ç ïîçîâîì Óìîâè, Òàðèôè áàíêó º òàêèìè, ÿê³ áóëè çàòâåðäæåí³ (àêòóàë³çîâàí³) áàíêîì íà ìîìåíò îçíàéîìëåííÿ ç íèìè â³äïîâ³äà÷åì òà ï³äïèñàííÿ äîãîâîðó, îñê³ëüêè â³äïîâ³äí³ Óìîâè º ºäèíèìè äëÿ âñ³õ êë³ºíò³â áàíêó.</P>
<P class="ps2">Ïîçèâà÷åì íàäàíî ðîçðàõóíêè çàáîðãîâàíîñò³ çà äîãîâîðîì á/í â³ä 05.04.2012 ð. ñòàíîì íà 03.02.2016 ð. (à.ñ. 12-14), à ñàìå, ðîçðàõóíîê íàðàõîâàíèõ ïðîöåíò³â, ñóìè ïåí³ òà êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì.</P>
<P class="ps2">Ï³ñëÿ ïåðåâ³ðêè ïðàâèëüíîñò³ íàðàõóâàííÿ ïîçèâà÷åì â³äïîâ³äà÷ó 10 478,52 ãðí. çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì; 12 564,36 ãðí. ïåí³ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàííÿ çà äîãîâîðîì; 2 201,57 ãðí. çàáîðãîâàíîñò³ ïî êîì³ñ³¿ çà êîðèñòóâàííÿ êðåäèòîì, ñóä ä³éøîâ âèñíîâêó ïðî ¿õ ïðàâîì³ðí³ñòü.</P>
<P class="ps2">Ç îãëÿäó íà âèêëàäåíå, ñóä ïðèõîäèòü äî âèñíîâêó ïðî îá´ðóíòîâàí³ñòü ïîçîâíèõ âèìîã òà çàäîâîëüíÿº ¿õ â ïîâíîìó îáñÿç³.</P>
<P class="ps2">Ó â³äïîâ³äíîñò³ äî ñòàòò³ 49 ÃÏÊ Óêðà¿íè, ñóäîâ³ âèòðàòè â ÷àñòèí³ ñïëàòè ñóäîâîãî çáîðó, ïîíåñåí³ ïîçèâà÷åì, ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</P>
<P class="ps2">Êåðóþ÷èñü ñòàòòÿìè 33, 34, 43, 49, 75, 82-85 ÃÏÊ Óêðà¿íè, ñóä -</P>
<P class="ps3">                                        <FONT class="fs94">                     Â È Ð ² Ø È Â :</FONT></P>
<P class="ps3">1. Ïîçîâ çàäîâîëüíèòè.</P>
<P class="ps3">Âèäàòè íàêàç ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</P>
<P class="ps3">3. Ð³øåííÿ ìîæå áóòè îñêàðæåíî äî Õàðê³âñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä Ïîëòàâñüêî¿ îáëàñò³ íà ïðîòÿç³ 10 äí³â.</P>
<P class="ps3">Ïîâíå ð³øåííÿ ñêëàäåíî 28.03.2016 ð.</P>
<P><FONT class="fs93">Ñóääÿ                                                                                                    Êóëüáàêî Ì.Ì. </FONT></P>