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<TR><TD width="100 %" class="tds1"><P class="ps16"><FONT class="fs180"> &nbsp;</FONT><FONT class="fs178"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps7"><FONT class="fs108">Ð²ØÅÍÍß</FONT></P>
<P class="ps7"><FONT class="fs107">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<P class="ps2"><FONT class="fs174"> Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ó ñêëàä³ ãîëîâóþ÷îãî ñóää³ Ãîëîâ³íî¿ Ê.²., ïðè ñåêðåòàð³ ñóäîâîãî çàñ³äàííÿ ²âàø³í³é Í.Â., ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè</FONT></P>
<P class="ps0"><FONT class="fs118">çà ïîçîâíîþ çàÿâîþ </FONT><FONT class="fs173">&nbsp;Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Àêöåíò-Áàíê</FONT></P>
<P class="ps0"><FONT class="fs117">äî </FONT><FONT class="fs172">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðêòèêà-Òðåéä.ÞÀ </FONT></P>
<P><FONT class="fs116">ïðî</FONT><FONT class="fs171"> ñòÿãíåííÿ 331 058, 13 ãðí.</FONT></P>
<P class="ps4"><FONT class="fs115"> &nbsp;çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
<TABLE cellspacing=0 px class="tsfirst">
<TR><TD width="20 %" class="tds13"><P class="ps14"><FONT class="fs170"> &nbsp;â³ä ïîçèâà÷à:</FONT></P></TD><TD width="80 %" class="tds13"><P class="ps14"><FONT class="fs169">íå çÿâèâñÿ</FONT></P></TD></TR>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="20 %" class="tds14"><P class="ps14"><FONT class="fs168"> &nbsp;â³ä â³äïîâ³äà÷à:</FONT></P></TD><TD width="80 %" class="tds14"><P class="ps14"><FONT class="fs167">íå çÿâèâñÿ</FONT></P></TD></TR>
<P class="ps10"><FONT class="fs114">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs166">Äî ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà çâåðíóëîñü Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Àêöåíò-Áàíê (äàë³ - ÏÀÒ Àêöåíò-Áàíê) ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðêòèêà-Òðåéä.ÞÀ (äàë³ - ÒÎÂ Àðêòèêà-Òðåéä.ÞÀ) ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ â ñóì³ 331 058, 13 ãðí. </FONT></P>
<P class="ps1"><FONT class="fs165">Ñâî¿ ïîçîâí³ âèìîãè ïîçèâà÷ îá´ðóíòîâóº òèì, ùî íà ï³äñòàâ³ çàÿâè â³äïîâ³äà÷à â³ä 18.05.2012 ð. ì³æ ÏÀÒ Àêöåíò-Áàíê òà ÒÎÂ Àðêòèêà-Òðåéä.ÞÀ áóâ óêëàäåíèé äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ ç íàäàííÿì êðåäèòó çà ïîñëóãîþ «Ãàðàíòîâàíèé ïëàò³æ». Ó ïîðóøåííÿ óìîâ âêàçàíîãî äîãîâîðó òà íîðì ÷èííîãî çàêîíîäàâñòâà â³äïîâ³äà÷ íå âèêîíàâ âçÿò³ íà ñåáå çîáîâÿçàííÿ ïî ïîâåðíåííþ íàäàíîãî êðåäèòó, ó çâÿçêó ç ÷èì â îñòàííüîãî âèíèêëà çàáîðãîâàí³ñòü.</FONT></P>
<P class="ps6"><FONT class="fs164">Ó ïîçîâ³ ÏÀÒ Àêöåíò-Áàíê ïðîñèòü ñóä ñòÿãíóòè ç ÒÎÂ Àðêòèêà-Òðåéä.ÞÀ çàáîðãîâàí³ñòü çà íåïîâåðíóòèì êðåäèòîì â ñóì³ 86 000,00 ãðí., çàáîðãîâàí³ñòü ïî ïðîöåíòàõ â ñóì³ 114 582,18 ãðí. çà ïåð³îä ç 23.12.2013 ð. ïî 09.08.2016 ð., ïåíþ â ñóì³ 130 475,95 ãðí. çà ïåð³îä ç 17.11.2014 ð. ïî 09.08.2016 &nbsp;ð., à âñüîãî  331 058, 13 ãðí.</FONT></P>
<P class="ps6"><FONT class="fs163">Ïðåäñòàâíèêè ñòîð³í â ñóäîâå çàñ³äàííÿ íå çÿâèëèñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèëè, íàëåæíèì ÷èíîì áóëè ïîâ³äîìëåí³ ïðî äàòó, ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè. Çàÿâ ÷è êëîïîòàíü ïðî â³äêëàäåííÿ ðîçãëÿäó ñïðàâè àáî ïðî ðîçãëÿä áåç ¿õ ó÷àñò³ äî ñóäó íå ïîäàëè. Ó ìèíóëîìó ñóäîâîìó çàñ³äàíí³ ïðåäñòàâíèê ïîçèâà÷à ïîçîâí³ âèìîãè ï³äòðèìàâ, ïðîñèâ ¿õ çàäîâîëüíèòè.</FONT></P>
<P class="ps6"><FONT class="fs162">Ïîçèö³ÿ â³äïîâ³äà÷à ñòîñîâíî äàíîãî ïîçîâó ñóäó íåâ³äîìà. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P class="ps6"><FONT class="fs161">Â³äïîâ³äíî äî ñò. 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóä ââàæàº çà ìîæëèâå ðîçãëÿíóòè ñïðàâó áåç ó÷àñò³ ïðåäñòàâíèê³â ñòîð³í çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps6"><FONT class="fs160">Äîñë³äèâøè íàÿâí³ â ìàòåð³àëàõ ñïðàâè äîêàçè, ñóä ââàæàº, ùî ïîçîâ ï³äëÿãàº çàäîâîëåííþ ç íàñòóïíèõ ï³äñòàâ.</FONT></P>
<P class="ps6"><FONT class="fs158">ßê âáà÷àºòüñÿ ç çàÿâè ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó â³ä 18.05.2012 ð., ï³äïèñàâøè öþ çàÿâó, êë³ºíò ïîãîäæóºòüñÿ ³ç Óìîâàìè òà Ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, ó òîìó ÷èñë³ ç Óìîâàìè òà Ïðàâèëàìè îáñëóãîâóâàííÿ çà ðîçðàõóíêîâèìè êàðòêàìè, ùî ðîçì³ùåí³ íà ñàéò³ áàíêó: www.a-bank.ua, client-bank.privatbank.ua, Òàðèôàìè áàíêó, ÿê³ ðàçîì ³ç ö³ºþ çàÿâîþ ñêëàäàþòü äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ. Â³äíîñèíè ì³æ áàíêîì ³ êë³ºíòîì ìîæóòü âèð³øóâàòèñü ÿê øëÿõîì ï³äïèñàííÿ îêðåìèõ äîãîâîð³â àáî äîäàòêîâèõ óãîä äî öüîãî äîãîâîðó, òàê ³ øëÿõîì îáì³íó ³íôîðìàö³ºþ/óçãîäæåííÿ ùîäî áàíê³âñüêîãî îáñëóãîâóâàííÿ ç êë³ºíòîì ÷åðåç âåá-ñàéò áàíêó, ñìñ-ðåñóðñ çàçíà÷åíèé áàíêîì.</FONT></P>
<P class="ps6"><FONT class="fs157">Â³äïîâ³äíî äî íîðì ñòàòò³ 639 Öèâ³ëüíîãî êîäåêñó 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. </FONT></P>
<P class="ps6"><FONT class="fs156">Òàêèì ÷èíîì, ñóäîì âñòàíîâëåíî, ùî ì³æ ñòîðîíàìè áóâ óêëàäåíèé äîãîâ³ð áàíê³âñüêîãî îáñëóãîâóâàííÿ òà, îäíî÷àñíî, êðåäèòíèé äîãîâ³ð.</FONT></P>
<P class="ps6"><FONT class="fs155">Ðîçä³ëîì 3.2.2 Óìîâ ðåãëàìåíòîâàíî ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ".</FONT></P>
<P class="ps6"><FONT class="fs154">Â³äïîâ³äíî äî ï. 3.2.2.1 Óìîâ áàíê çà íàÿâíîñò³ â³ëüíèõ ãðîøîâèõ êîøò³â çîáîâ'ÿçóºòüñÿ íàäàòè êë³ºíòó êðåäèò ó âèãëÿä³ â³äíîâëþâàëüíî¿ êðåäèòíî¿ ë³í³¿, ç ë³ì³òîì òà íà ö³ë³, çàçíà÷åí³, â çàÿâö³ íà äîãîâ³ðíå ñïèñàííÿ êîøò³â, â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ïî ïîâåðíåííþ êðåäèòó, ñïëàò³ â³äñîòê³â, âèíàãîðîäè â îáóìîâëåí³ öèì äîãîâîðîì ñòðîêè.</FONT></P>
<P class="ps6"><FONT class="fs153">Çã³äíî ï. 3.2.2.2 Óìîâ êë³ºíò ïîãàøàº çàáîðãîâàí³ñòü ïî êðåäèòó â ðîçì³ð³, çàçíà÷åíîìó â çàÿâö³ êë³ºíòà, â ñòðîê äî 30 äí³â ç äàòè çä³éñíåííÿ ïëàòåæà. Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè ³í³ö³þâàííÿ êë³ºíòîì çàÿâêè äî äàòè âèêîíàííÿ çàÿâêè Êë³ºíò ñïëà÷óº âèíàãîðîäó çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó â ðîçì³ð³ 4% ð³÷íèõ â³ä ðîçì³ðó çàáîðãîâàíîñò³. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â äî 30.06.2014 ð. êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³ 28 % ð³÷íèõ, à ïî÷èíàþ÷è ç 01.07.2014 ð. êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³ 36 % ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³. Ó ðàç³ íå ïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 30 äí³â, âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì êë³ºíò ïëàòèòü â³äñîòêè â ðîçì³ð³ 56 % ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³.</FONT></P>
<P class="ps6"><FONT class="fs152">Â³äïîâ³äíî äî ï. 3.2.2.7.8 Óìîâ áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, ìàº ïðàâî âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³.</FONT></P>
<P class="ps6"><FONT class="fs151">Çã³äíî ç ï. 3.2.2.9.11 Óìîâ íàðàõóâàííÿ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì çä³éñíþºòüñÿ íà äåíü ñïëàòè ïðîöåíò³â, ïðè öüîìó ïðîöåíòè ðîçðàõîâóþòüñÿ íà íåïîãàøåíó ÷àñòèíó êðåäèòó çà ôàêòè÷íó ê³ëüê³ñòü äí³â êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè, âèõîäÿ÷è ç 360 äí³â ó ðîö³.</FONT></P>
<P class="ps6"><FONT class="fs150">Ñóäîì âñòàíîâëåíî, ùî íà âèêîíàííÿ óìîâ êðåäèòíîãî äîãîâîðó òà íà ï³äñòàâ³ ïîäàíèõ â³äïîâ³äà÷åì äî áàíêó çàÿâîê íà ãàðàíòîâàíèé ïëàò³æ ¹ 83 â³ä 29.11.2013 ð., ¹ 90 â³ä 26.12.2013 ð., ¹ 94 â³ä 27.01.2014 ð. òà ¹ 102 â³ä 14.03.2014 ð., áàíê íàäàâ êë³ºíòó êðåäèòíèé ë³ì³ò ó çàãàëüí³é ñóì³ 363 000,00 ãðí., ùî ï³äòâåðäæóºòüñÿ íàÿâíîþ â ìàòåð³àëàõ ñïðàâè áàíê³âñüêîþ âèïèñêîþ ç ðàõóíêó â³äïîâ³äà÷à. </FONT></P>
<P class="ps6"><FONT class="fs149">Ðàçîì ç öèì, â³äïîâ³äà÷ êðåäèòí³ êîøòè çà çàÿâêàìè ¹ 83 â³ä 29.11.2013 ð., ¹ 90 â³ä 26.12.2013 ð., ¹ 94 â³ä 27.01.2014 ð. ïîâåðíóâ ç ïîðóøåííÿì ñòðîêó, à çà çàÿâêîþ ¹ 102 â³ä 14.03.2014 ð. íà ñóìó 86 000,00 ãðí. - íå ïîâåðíóâ. Âêàçàí³ îáñòàâèíè ï³äòâåðäæóþòüñÿ áàíê³âñüêîþ âèïèñêîþ ç ðàõóíêó ïîçèâà÷à òà ðîçðàõóíêîì çàáîðãîâàíîñò³.</FONT></P>
<P class="ps6"><FONT class="fs148">Çã³äíî ç ÷àñòèíîþ 1 ñòàòò³ 1066 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çà äîãîâîðîì áàíê³âñüêîãî &nbsp;ðàõóíêà áàíê çîáîâ'ÿçóºòüñÿ ïðèéìàòè ³ çàðàõîâóâàòè íà ðàõóíîê, â³äêðèòèé êë³ºíòîâ³ (âîëîä³ëüöåâ³ ðàõóíêà), ãðîøîâ³ êîøòè, ùî éîìó íàäõîäÿòü, âèêîíóâàòè ðîçïîðÿäæåííÿ êë³ºíòà ïðî ïåðåðàõóâàííÿ ³ âèäà÷ó â³äïîâ³äíèõ ñóì ç ðàõóíêà òà ïðîâåäåííÿ ³íøèõ îïåðàö³é çà ðàõóíêîì.</FONT></P>
<P class="ps6"><FONT class="fs147">Äîãîâ³ð áàíê³âñüêîãî ðàõóíêà óêëàäàºòüñÿ äëÿ â³äêðèòòÿ êë³ºíòîâ³ àáî âèçíà÷åí³é íèì îñîá³ ðàõóíêà ó áàíêó íà óìîâàõ, ïîãîäæåíèõ ñòîðîíàìè. Áàíê çîáîâ'ÿçàíèé óêëàñòè äîãîâ³ð áàíê³âñüêîãî ðàõóíêà ç êë³ºíòîì, ÿêèé çâåðíóâñÿ ç &nbsp;ïðîïîçèö³ºþ â³äêðèòè ðàõóíîê íà îãîëîøåíèõ áàíêîì óìîâàõ, ùî â³äïîâ³äàþòü çàêîíó òà áàíê³âñüêèì ïðàâèëàì (÷àñòèíè 1 òà 2 ñòàòòÿ 1067 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</FONT></P>
<P class="ps6"><FONT class="fs146">Ó â³äïîâ³äíîñò³ äî íîðì ÷àñòèíè 1 òà 2 ñòàòò³ 1069 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ÿêùî â³äïîâ³äíî äî äîãîâîðó áàíê³âñüêîãî ðàõóíêà áàíê çä³éñíþº ïëàòåæ³ ç ðàõóíêà êë³ºíòà, íåçâàæàþ÷è íà â³äñóòí³ñòü íà íüîìó ãðîøîâèõ êîøò³â (êðåäèòóâàííÿ ðàõóíêà), áàíê ââàæàºòüñÿ òàêèì, ùî íàäàâ êë³ºíòîâ³ êðåäèò íà â³äïîâ³äíó ñóìó â³ä äíÿ çä³éñíåííÿ öüîãî ïëàòåæó. Ïðàâà òà îáîâ'ÿçêè ñòîð³í, ïîâ'ÿçàí³ ç êðåäèòóâàííÿì ðàõóíêà, âèçíà÷àþòüñÿ ïîëîæåííÿìè ïðî ïîçèêó òà êðåäèò (ïàðàãðàôè 1 ³ 2 ãëàâè 71 öüîãî Êîäåêñó), ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps6"><FONT class="fs145">Â³äïîâ³äíî äî ñòàòò³ 1054 Öèâ³ëüíîãî êîäåêñó 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="ps6"><FONT class="fs144">Â³äïîâ³äíî äî ñòàòò³ 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.</FONT></P>
<P class="ps6"><FONT class="fs143">Çàçíà÷åíå òàêîæ êîðåñïîíäóºòüñÿ ç³ ñòàòòÿìè 525, 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, â³äïîâ³äíî äî ÿêèõ 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="ps6"><FONT class="fs142">Ñòàòòÿ 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷àº, ùî äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè. </FONT></P>
<P class="ps6"><FONT class="fs141">Â³äïîâ³äíî äî 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="ps6"><FONT class="fs140">Â³äïîâ³äà÷ äîêàç³â ïîâåðíåííÿ êðåäèòó çà çàÿâêîþ ¹ 102 â³ä 14.03.2014 ð. ó ñóì³ 86 000,00 ãðí. íå íàäàâ, ó çâÿçêó ç ÷èì ñóä ä³éøîâ âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâíèõ âèìîã â ÷àñòèí³ &nbsp;ñòÿãíåííÿ ç â³äïîâ³äà÷à çàáîðãîâàíîñò³ çà íåïîâåðíóòèì êðåäèòîì â ñóì³ 86 000,00 ãðí. òà çàáîðãîâàíîñò³ ïî ïðîöåíòàõ â ñóì³ 114 582,18 ãðí. çà ïåð³îä ç 23.12.2013 ð. ïî 09.08.2016 ð.</FONT></P>
<P class="ps6"><FONT class="fs139">Çà âêàçàíå ïîðóøåííÿ äîãîâîðó òà çà ïîðóøåííÿ ñòðîê³â ïîâåðíåííÿ êðåäèòíèõ êîøò³â ïîçèâà÷ ïðîñèâ ñòÿãíóòè ç â³äïîâ³äà÷à ïåíþ â ñóì³ 130 475,95 ãðí., íàðàõîâàíó çà ïåð³îä ç 17.11.2014 ð. ïî 09.08.2016 &nbsp;ð.</FONT></P>
<P class="ps6"><FONT class="fs138">Çã³äíî ç ÷àñòèíîþ 1 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. </FONT></P>
<P class="ps6"><FONT class="fs137">×àñòèíà 6 ñòàòò³ 232 Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè ïåðåäáà÷àº, ùî íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps6"><FONT class="fs136">Çã³äíî ñòàòò³ 1 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü ïëàòíèêè ãðîøîâèõ êîøò³â ñïëà÷óþòü íà êîðèñòü îäåðæóâà÷³â öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í.</FONT></P>
<P class="ps6"><FONT class="fs135">Ñòàòòÿ 3 Çàêîíó Óêðà¿íè Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü ïåðåäáà÷àº, ùî ðîçì³ð ïåí³, ïåðåäáà÷åíèé ñòàòòåþ 1 öüîãî Çàêîíó, îá÷èñëþºòüñÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó òà íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps6"><FONT class="fs134">Çã³äíî ç ï. 3.2.2.10.1 Óìîâ ó âèïàäêó ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ç³ ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿ êðåäèòîì, ïåðåäáà÷åíèõ ï.ï. 3.2.2.6.2, 3.2.2.9.1 - 3.2.2.9.3 äîãîâîðó, ñòðîê³â ïîâåðíåííÿ êðåäèòó, ïåðåäáà÷åíèõ ï.ï. 3.2.22, 3.2.2.6.3, 3.2.2.6.16, 3.2.2.7.2 äîãîâîðó, âèíàãîðîäè, ïåðåäáà÷åíîãî ï.ï. 3.2.2.6.5, 3.2.2.9.4 - 3.2.2.9.6 äîãîâîðó, êë³ºíò ñïëà÷óº áàíêó çà êîæíèé âèïàäîê ïîðóøåííÿ ïåíþ â ðîçì³ð³ ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ÿêà ä³ÿëà â ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ â³ä ñóìè ïðîñòðî÷åíîãî ïëàòåæó çà êîæíèé äåíü ïðîñòðî÷åííÿ ïëàòåæó.</FONT></P>
<P class="ps3"><FONT class="fs133">×àñòèíà 6 ñòàòò³ 232 Ãîñïîäàðñüêîìó êîäåêñ³ Óêðà¿íè ïåðåäáà÷àº, ùî íàðàõóâàííÿ øòðàôíèõ ñàíêö³é çà ïðîñòðî÷åííÿ âèêîíàííÿ çîáîâ'ÿçàííÿ, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì àáî äîãîâîðîì, ïðèïèíÿºòüñÿ ÷åðåç ø³ñòü ì³ñÿö³â â³ä äíÿ, êîëè çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî.</FONT></P>
<P class="ps6"><FONT class="fs132">Îäíàê, ïóíêòîì 3.2.2.10.4 Óìîâ ñòîðîíè äîìîâèëèñü, ùî íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíèõ ï.ï. 3.2.2.10.1 - 3.2.2.10.3 äîãîâîðó, çä³éñíþºòüñÿ ïðîòÿãîì 15 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ïîâèííî áóòè âèêîíàíî êë³ºíòîì.</FONT></P>
<P class="ps6"><FONT class="fs131">Çâàæàþ÷è íà âèùåíàâåäåí³ íîðìè çàêîíîäàâñòâà òà óìîâè óêëàäåíîãî ñòîðîíàìè ïðàâî÷èíó, âèìîãè ïðî ñòÿãíåííÿ ïåí³ çà âêàçàíèé ïåð³îä º òàêèìè, ùî çàÿâëåí³ ïðàâîì³ðíî.</FONT></P>
<P class="ps6"><FONT class="fs130">Ïðîâ³âøè ðîçðàõóíîê çàÿâëåíî¿ äî ñòÿãíåííÿ ñóìè ïåí³, ñóä ä³éøîâ âèñíîâêó, ùî ç ÒÎÂ Àðêòèêà-Òðåéä.ÞÀ ï³äëÿãàº ñòÿãíåííþ ïåíÿ â ñóì³ 130 475,95 ãðí. çà ïåð³îä ç 17.11.2014 ð. ïî 09.08.2016 &nbsp;ð., òîáòî ó ñóì³, çàÿâëåí³é ïîçèâà÷åì.</FONT></P>
<P class="ps6"><FONT class="fs129">Îòæå, ç óðàõóâàííÿì íîðì ÷èííîãî çàêîíîäàâñòâà òà âñòàíîâëåíèõ îáñòàâèí ó ñïðàâ³, ñóä ââàæàº, ùî ïîçîâ ï³äëÿãàº çàäîâîëåííþ. </FONT></P>
<P class="ps6"><FONT class="fs128">Çã³äíî ç³ ñòàòòåþ 49 ÃÏÊ Óêðà¿íè âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó ïîêëàäàþòüñÿ íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps6"><FONT class="fs127">Íà ï³äñòàâ³ âèêëàäåíîãî, êåðóþ÷èñü ñò.ñò. 32-35, 49, 75, 82 - 85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä</FONT></P>
<P class="ps9"><FONT class="fs113">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs126">Ïîçîâ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Àêöåíò-Áàíê äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ Àðêòèêà-Òðåéä.ÞÀ ïðî ñòÿãíåííÿ 331 058, 13 ãðí. çàäîâîëüíèòè. </FONT></P>
<P class="ps6"><FONT class="fs124">Ð³øåííÿ óõâàëåíî â íàðàä÷³é ê³ìíàò³ òà ïðîãîëîøåíî éîãî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè â ñóäîâîìó çàñ³äàíí³ 16 ñ³÷íÿ 2017 ðîêó.</FONT></P>
<P class="ps6"><FONT class="fs123">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíèé 23 ñ³÷íÿ 2017 ðîêó.</FONT></P>
<P class="ps6"><FONT class="fs122">Ð³øåííÿ ìîæå áóòè îñêàðæåíî â àïåëÿö³éíîìó ïîðÿäêó äî Êè¿âñüêîãî àïåëÿö³éíîãî ãîñïîäàðñüêîãî ñóäó ÷åðåç ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà øëÿõîì ïîäà÷³ àïåëÿö³éíî¿ ñêàðãè â 10-äåííèé ñòðîê ç äíÿ ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ.</FONT></P>
<P class="ps6"><FONT class="fs121"> </FONT></P>
<P><FONT class="fs112">Ñóääÿ                                                                                 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ãîëîâ³íà Ê.². </FONT></P>