<TITLE>911/395/17</TITLE>
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<P class="ps14"><FONT class="fs203"> &nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT class="fs201"><IMG src="herb.gif" height=90 width=68></FONT></P>
<P class="ps9"><FONT class="fs119">ÃÎÑÏÎÄÀÐÑÜÊÈÉ ÑÓÄ ÊÈ¯ÂÑÜÊÎ¯ ÎÁËÀÑÒ²</FONT></P>
<P class="ps10"><FONT class="fs118"> </FONT></P>
<P class="ps10"><FONT class="fs117">Ð²ØÅÍÍß</FONT></P>
<P class="ps10"><FONT class="fs116">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps10">"27" áåðåçíÿ 2017 ð.<FONT class="fs131">           &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                              &nbsp;&nbsp;&nbsp;Ñïðàâà ¹ 911/395/17 &nbsp;</FONT></P>
<P class="ps4"><FONT class="fs130">Ãîñïîäàðñüêèé ñóä Êè¿âñüêî¿ îáëàñò³ ó ñêëàä³ ñóää³ Ùîòê³íà Î.Â., ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè </FONT></P>
<P class="ps1"><FONT class="fs129">çà ïîçîâîì</FONT><FONT class="fs195"> Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà Êîìåðö³éíèé áàíê «Ïðèâàòáàíê» </FONT></P>
<P class="ps1"><FONT class="fs128">äî</FONT><FONT class="fs194"> Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «²íâåñò Ñòàëü»</FONT></P>
<P class="ps1"><FONT class="fs127">ïðî</FONT><FONT class="fs193"> ñòÿãíåííÿ 15&nbsp; 010,48 ãðí. </FONT></P>
<P class="ps6"><FONT class="fs126">çà ó÷àñòþ ïðåäñòàâíèê³â:</FONT></P>
<P class="ps6"><FONT class="fs125">ïîçèâà÷</FONT><FONT class="fs192">  íå çÿâèâñÿ; </FONT></P>
<P class="ps6"><FONT class="fs124">â³äïîâ³äà÷</FONT><FONT class="fs191"> &nbsp; íå çÿâèâñÿ;</FONT></P>
<P class="ps11"><FONT class="fs123">âñòàíîâèâ:</FONT></P>
<P class="ps8"><FONT class="fs189">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 10.02.2017 ó ñïðàâ³ ¹911/395/17 áóëî ïîðóøåíî ïðîâàäæåííÿ òà ïðèçíà÷åíî äî ðîçãëÿäó íà 06.03.2017 ðîêó. </FONT></P>
<P class="ps8"><FONT class="fs188">Óõâàëîþ ãîñïîäàðñüêîãî ñóäó Êè¿âñüêî¿ îáëàñò³ â³ä 06.03.2017 ðîçãëÿä ñïðàâè áóëî â³äêëàäåíî íà 27.03.2017 ðîêó, ó çâÿçêó ç íåÿâêîþ â ñóäîâå çàñ³äàííÿ ïðåäñòàâíèê³â ïîçèâà÷à òà â³äïîâ³äà÷à, à òàêîæ íåïîäàííÿì â³äïîâ³äà÷åì âèòðåáóâàíèõ ñóäîì äîêóìåíò³â.</FONT></P>
<P class="ps8"><FONT class="fs187">Â ñóäîâå çàñ³äàííÿ 27.03.2017 ñòîðîíè ïîâòîðíî íå çàáåçïå÷èëè ÿâêó ñâî¿õ &nbsp;ïîâíîâàæíèõ ïðåäñòàâíèê³â.</FONT></P>
<P class="ps8"><FONT class="fs186">Îäíàê, 27.03.2017 ïîçèâà÷ ÷åðåç êàíöåëÿð³þ ñóäó ïîäàâ äîäàòêîâ³ äîêóìåíòè, çîêðåìà, âèïèñêè ïî ðàõóíêó â³äïîâ³äà÷à. </FONT></P>
<P class="ps8"><FONT class="fs185">Â³äïîâ³äíî äî ÷àñòèíè 1 ñòàòò³ 93 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ì³ñöåçíàõîäæåííÿ þðèäè÷íî¿ îñîáè âèçíà÷àºòüñÿ ì³ñöåì ¿¿ äåðæàâíî¿ ðåºñòðàö³¿, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì.</FONT></P>
<P class="ps8"><FONT class="fs184">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. 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="ps8"><FONT class="fs183">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, óõâàëè ñóäó íàäñèëàëèñü â³äïîâ³äà÷ó çà àäðåñîþ âêàçàíîþ â ïîçîâí³é çàÿâ³ òà Ñïåö³àëüíîìó âèòÿãó ç ªÄÐÏÎÓ, ùî ñâ³ä÷èòü ïðî òå, ùî â³í áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè. </FONT></P>
<P class="ps8"><FONT class="fs182">Â³äïîâ³äà÷ íå ñêîðèñòàâñÿ ïðàâîì, íàäàíèì ñò. 59 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, òà â³äçèâ íà ïîçîâíó çàÿâó íå íàäàâ.</FONT></P>
<P class="ps8"><FONT class="fs181">Àíàëîã³÷íà ïðàâîâà ïîçèö³ÿ âèêëàäåíà â ï. 3.9.1. Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹18 â³ä 26.12.2011ð. «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿». </FONT></P>
<P class="ps8"><FONT class="fs180">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, óõâàëè ñóäó íàäñèëàëàñü â³äïîâ³äà÷ó çà àäðåñîþ âêàçàíîþ â ïîçîâí³é çàÿâ³ òà Ñïåö³àëüíîìó âèòÿãó ç ªÄÐÏÎÓ, ùî ñâ³ä÷èòü ïðî òå, ùî â³í áóâ íàëåæíèì ÷èíîì ïîâ³äîìëåíèé ïðî ÷àñ ³ ì³ñöå ðîçãëÿäó ñïðàâè. </FONT></P>
<P class="ps8"><FONT class="fs179">Ç äàíîãî ïðèâîäó ñóä çàçíà÷àº, 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.</FONT></P>
<P class="ps8"><FONT class="fs178">Àíàëîã³÷íà ïðàâîâà ïîçèö³ÿ âèêëàäåíà â ï. 3.9.2 Ïîñòàíîâè Ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó â³ä 26.12.2011 ðîêó ¹18 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿». </FONT></P>
<P class="ps8"><FONT class="fs177">Âðàõîâóþ÷è, ùî íåÿâêà ñòîð³í â ñóäîâå çàñ³äàííÿ íå ïåðåøêîäæàº ðîçãëÿäó ñïîðó ïî ñóò³, à òàêîæ çâàæàþ÷è íà ñòðîêè, ïåðåäáà÷åí³ ñò. 69 ÃÏÊ Óêðà¿íè ùîäî òåðì³íó ðîçãëÿäó ñïðàâè, ñóä ââàæàº çà ìîæëèâå çä³éñíèòè ðîçãëÿä ñïðàâè çà íàÿâíèìè â í³é ìàòåð³àëàìè â³äïîâ³äíî äî ñòàòò³ 75 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps8"><FONT class="fs176">Â³äïîâ³äíî äî ÷àñòèíè 2 ñòàòò³ 82 ÃÏÊ Óêðà¿íè, ð³øåííÿ ïðèéìàºòüñÿ ñóäîì çà ðåçóëüòàòàìè îö³íêè äîêàç³â, ïîäàíèõ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ãîñïîäàðñüêîãî ïðîöåñó, à òàêîæ äîêàç³â, ÿê³ áóëè âèòðåáóâàí³ ãîñïîäàðñüêèì ñóäîì, ó íàðàä÷³é ê³ìíàò³.</FONT></P>
<P class="ps8"><FONT class="fs175">Çã³äíî ç ÷. 1 ñòàòò³ 85 ÃÏÊ Óêðà¿íè, ïðèéíÿòå ð³øåííÿ îãîëîøóºòüñÿ ãîñïîäàðñüêèì ñóäîì ó ñóäîâîìó çàñ³äàíí³ ï³ñëÿ çàê³í÷åííÿ ðîçãëÿäó ñïðàâè.</FONT></P>
<P class="ps8"><FONT class="fs174">Âðàõîâóþ÷è äîñòàòí³ñòü â ìàòåð³àëàõ ñïðàâè äîêàç³â äëÿ ïîâíîãî, âñåá³÷íîãî òà îáºêòèâíîãî ðîçãëÿäó ñïîðó ïî ñóò³, â ñóäîâîìó çàñ³äàíí³ 27.03.2017 ðîêó áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíó ð³øåííÿ. </FONT></P>
<P class="ps8"><FONT class="fs173">Ðîçãëÿíóâøè ìàòåð³àëè ñïðàâè, äîñë³äèâøè íàÿâí³ â í³é äîêàçè, îö³íèâøè ¿õ â ñóêóïíîñò³, ñóä</FONT></P>
<P class="ps11"><FONT class="fs122">âñòàíîâèâ:</FONT></P>
<P class="ps8"><FONT class="fs172">07.10.2015 ðîêó Òîâàðèñòâî ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «²íâåñò Ñòàëü» (êë³ºíò) çâåðíóâñÿ ç çàÿâîþ äî Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíèé áàíê «Ïðèâàòáàíê»-ÏÀÒ ÊÁ «Ïðèâàòáàíê» (áàíê) ïðî â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</FONT></P>
<P class="ps8"><FONT class="fs169">Ï³ñëÿ ï³äïèñàííÿ Äîãîâîðó êë³ºíòó íàäàºòüñÿ ïðàâî êîðèñòóâàòèñÿ ïîñëóãàìè Áàíêó, îäí³ºþ ç ÿêèõ º ïîñëóãà Ãàðàíòîâàíèé ïëàò³æ, ÿêà ìîæå áóòè íàäàíà ÿê çà ðàõóíîê âëàñíèõ êîøò³â êë³ºíòà, òàê ³ çà ðàõóíîê êîøò³â Áàíêó, òîáòî â êðåäèò.</FONT></P>
<P class="ps8"><FONT class="fs168">Ðîçä³ëîì 3.2.2 çàçíà÷åíèõ Óìîâ ðåãëàìåíòîâàíèé ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ Ãàðàíòîâàíèé ïëàò³æ. Ïîñëóãó Ãàðàíòîâàíèé ïëàò³æ ÏÀÒ ÊÁ Ïðèâàòáàíê íàäàº äëÿ âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü çà ãîñïîäàðñüêèìè äîãîâîðàìè, ùî óêëàäàþòüñÿ ì³æ Êë³ºíòîì òà éîãî êîíòðàãåíòàìè, à òàêîæ ì³æ Êë³ºíòîì ³ ÏÀÒ ÊÁ Ïðèâàòáàíê (äàë³  ïîñëóãà). Ïîñëóãà íàäàºòüñÿ ó âèãëÿä³ âèêîíàííÿ ÏÀÒ ÊÁ Ïðèâàòáàíê çàÿâîê íà äîãîâ³ðíå ñïèñàííÿ êîøò³â (äàë³ - «ãàðàíòîâàíèé ïëàò³æ» àáî «çàÿâêà»), çã³äíî ÿêî¿ êë³ºò-ïëàòíèê äîðó÷àº ÏÀÒ ÊÁ Ïðèâàòáàíê çàðàõóâàòè êîøòè íà ðàõóíîê îòðèìóâà÷à, â ñóì³ ³ â äàòó, çàçíà÷åí³ ïðè ñòâîðåíí³ çàÿâêè. Ïîñëóãà íàäàºòüñÿ ÏÀÒ ÊÁ Ïðèâàòáàíê ÿê çà ðàõóíîê âëàñíèõ êîøò³â ïëàòíèêà, òàê ³ çà ðàõóíîê êðåäèòíèõ êîøò³â. Ñïîæèâà÷àìè ö³º¿ ïîñëóãè º ïëàòíèê ³ îäåðæóâà÷ ïëàòåæ³â çà ãîñïîäàðñüêèìè äîãîâîðàìè (ï. 3.1.1.73 Óìîâ).</FONT></P>
<P class="ps8"><FONT class="fs167">Â³äïîâ³äíî äî ï.3.2.2.1. Óìîâ, êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â ³ âèíàãîðîäè.</FONT></P>
<P class="ps8"><FONT class="fs166">Îáîâÿçêîâèìè ðåêâ³çèòàìè çàÿâêè íà äîãîâ³ðíå ñïèñàíèÿ êîøò³â º: íîìåð ³ äàòà çàÿâêè (ïðèñâîþþòüñÿ àâòîìàòè÷íî), ðàõóíîê ïëàòíèêà, ðàõóíîê îäåðæóâà÷à, ñóìà ïëàòåæó, ïðèçíà÷åííÿ ïëàòåæó (³ç çàçíà÷åííÿì â³äîìîñòåé ïðî ãîñïîäàðñüêèé äîãîâ³ð, íà âèêîíàííÿ îïëàòè ïî ÿêîìó ïîäàºòüñÿ çàÿâêà), äàòà çàðàõóâàííÿ êîøò³â îäåðæóâà÷ó (äàòà âèêîíàííÿ çàÿâêè), âêàç³âêè çà ðàõóíîê ÿêèõ êîøò³â (âëàñíèõ êîøò³â êë³ºíòà/êðåäèòíèõ / çì³øàíî) íåîáõ³äíî çàðåçåðâóâàòè ãðîø³ äëÿ âèêîíàííÿ ãàðàíòîâàíîãî ïëàòåæó. Âñ³ çàçíà÷åí³ ðåêâ³çèòè âêàçàí³ â âèïèñêàõ ïî ðàõóíêàõ.</FONT></P>
<P class="ps8"><FONT class="fs165">Ï³ñëÿ îòðèìàííÿ ÏÀÒ ÊÁ Ïðèâàòáàíê çà äîïîìîãîþ ñèñòåìè äèñòàíö³éíîãî îáñëóãîâóâàííÿ Çàÿâêè (ñèñòåìà Internet Banking Ïðèâàò-24  îô³ö³éíèé êàíàë çâ'ÿçêó ì³æ Áàíêîì òà êë³ºíòîì), ÏÀÒ ÊÁ Ïðèâàòáàíê ðîçãëÿäàº ¿¿ íà ïðåäìåò íàäàííÿ àáî â³äìîâè ó íàäàíí³ ïîñëóãè, ó ðàç³ â³äñóòíîñò³ ó ïëàòíèêà âëàñíèõ êîøò³â òà/àáî íåêðåäèòîñïðîìîæíîñò³ ïëàòíèêà (ï. 3.1.1.75. Óìîâ).</FONT></P>
<P class="ps8"><FONT class="fs164">ßê âáà÷àºòüñÿ ç ìàòåð³àë³â ñïðàâè, â³äïîâ³äà÷ êîðèñòóâàâñÿ ïîñëóãîþ Ãàðàíòîâàíèé ïëàò³æ øëÿõîì ðåºñòðàö³¿ â³äïîâ³äíèõ çàÿâîê â ñèñòåì³ Internet Banking Ïðèâàò-24.</FONT></P>
<P class="ps8"><FONT class="fs163">Â³äïîâ³äíî äî 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 âèêîíàííÿ çàÿâêè. 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 (àëå íå ìåíø í³æ 5 ãðèâåíü) â³ä ðîçì³ðó êðåäèòó, çàçíà÷åíîãî ó ÷åðãîâ³é çàÿâö³ êë³ºíòà. Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòó ñïëà÷óºòüñÿ Êë³ºíòîì íà äàòó íàäàííÿ â Áàíê ÷åðãîâî¿ çàÿâêè. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016 p.), òà ïî÷èíàþ÷è ç 01.02.2016 Êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº Áàíêó â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016 p.). </FONT></P>
<P class="ps8"><FONT class="fs162">Ó âèïàäêó çì³íè âàðòîñò³ êðåäèòíèõ ðåñóðñ³â íà ðèíêó ãðîøîâèõ ðåñóðñ³â, çì³íè îáë³êîâî¿ ñòàâêè ÍÁÓ, çì³íè êóðñó ãðèâí³ äî ³íîçåìíî¿ âàëþòè 1 ãðóïè êëàñèô³êàòîðà ³íîçåìíèõ âàëþò íà 5 ³ á³ëüøå â³äñîòê³â, ñòîðîíè íà äàòó óêëàäàííÿ äàíîãî Äîãîâîðó ïîãîäèëè çá³ëüøåííÿ ðîçì³ðó ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì. Ïðè öüîìó, òàêå çá³ëüøåííÿ ðîçì³ðó â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì íå ïîâèííå ïåðåâèùóâàòè ïîäâ³éíîãî ðîçì³ðó ïðîöåíòíî¿ ñòàâêè, çàçíà÷åíî¿ â öüîìó ïóíêò³.</FONT></P>
<P class="ps8"><FONT class="fs161">²íôîðìàö³þ ïðî ðîçì³ð ïîãîäæåíî¿ çì³íåíî¿ ïðîöåíòíî¿ ñòàâêè çà êîðèñòóâàííÿ êðåäèòîì, Áàíê ðîçì³ùàº äëÿ Êë³ºíòà îäíèì ç íàñòóïíèõ ñïîñîá³â: ó ïèñüìîâ³é ôîðì³, ÷åðåç óñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâ'ÿçêó Áàíêó é Êë³ºíòà - ñèñòåìè ²íòåðíåò-êë³ºíò-áàíê "Ïðèâàò24", ïîâ³äîìëåíí³ íà email, sms-ïîâ³äîìëåííÿ íà îñòàíí³ â³äîì³ Áàíêó íîìåðà òåëåôîí³â/àäðåñè email, íàäàí³ Áàíêó ïðè ³äåíòèô³êàö³¿ é àêòóàë³çàö³¿ â³äîìîñòåé ïðî Êë³ºíòà, àáî ³íøèìè çàñîáàìè. Ïîãîäæåíèé Ñòîðîíàìè çì³íåíèé ðîçì³ð â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì íàáóâàº ÷èííîñò³ ç ìîìåíòó éîãî ðîçì³ùåííÿ ñïîñîáîì, âèçíà÷åíèì öèì ïóíêòîì, ÿêùî ³íøà äàòà íå âñòàíîâëåíà â ³íôîðìàö³¿ ïðî çì³íó ðîçì³ðó â³äñîòê³â. </FONT></P>
<P class="ps8"><FONT class="fs160">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 (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016 p.), ³ â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016 p.). Ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ íåãàéíî ïåðåäàòè Áàíêó â çàñòàâó ìàéíîâ³ ïðàâà íà îäåðæàííÿ êîøò³â ïî ãîñïîäàðñüêîìó (-èì) äîãîâîðó (-àì) ³/àáî ìàéíîâ³ ïðàâà íà îäåðæàííÿ òîâàðó ïî ãîñïîäàðñüêîìó (-èì) äîãîâîðó (-àì), ³/àáî òîâàð â îáîðîò³ ÷åðåç óêëàäàííÿ ç Áàíêîì â³äïîâ³äíèõ äîãîâîð³â çàñòàâè. Ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ íå óõèëÿòèñÿ â³ä âèêîíàííÿ äàíîãî îáîâ'ÿçêó ³/àáî íå ïåðåøêîäæàòè â éîãî âèêîíàíí³ òà ïåðåäà÷³ äàíîãî ìàéíà ³ ìàéíîâèõ ïðàâ ó çàñòàâó Áàíêó.</FONT></P>
<P class="ps8"><FONT class="fs159">Çàçíà÷åíèé ó äàíîìó ïóíêò³ ñòðîê ìîæå áóòè çì³íåíèé çã³äíî óìîâ äàíîãî Äîãîâîðó.</FONT></P>
<P class="ps8"><FONT class="fs158">Ó âèïàäêó, ÿêùî â äàòó âèêîíàííÿ çàÿâêè àáî ï³ñëÿ íå¿, ó êë³ºíòà íà ïîòî÷íîìó ðàõóíêó íåäîñòàòíüî âëàñíèõ êîøò³â - Êë³ºíò äîðó÷àº Áàíêó â îäíîñòîðîííüîìó ïîðÿäêó çä³éñíþâàòè ñïèñàííÿ êîøò³â íà ïîãàøåííÿ çàáîðãîâàíîñò³ ÿê çà ðàõóíîê âëàñíèõ êîøò³â Êë³ºíòà, ùî íàäõîäÿòü íà âñ³ ïîòî÷í³ ðàõóíêè, â³äêðèò³ â Áàíêó, òàê ³ çà ðàõóíîê íåâèêîðèñòàíèõ êîøò³â ïî "êðåäèòíîìó ë³ì³òó íà ðîçðàõóíêîâîìó ðàõóíêó, ïîäàëüø³ âçàºìîâ³äíîñèíè ïî ÿêîìó ðåãóëþþòüñÿ ðîçä³ëîì 3.2.1 äàíèõ "Óìîâ ³ Ïðàâèë".</FONT></P>
<P class="ps8"><FONT class="fs157">Çã³äíî ç³ ñò. 212, 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ó âèïàäêó ïîðóøåííÿ Êë³ºíòîì êîæíîãî ³ç çîáîâÿçàíü, ïåðåäáà÷åíèõ äàíèì Äîãîâîðîì, Áàíê íà âëàñíèé ðîçñóä, ïî÷èíàþ÷è ç 91-ãî äíÿ ïîðóøåííÿ êîæíîãî ³ç çîáîâ'ÿçàíü, ìàº ïðàâî çì³íèòè óìîâè äàíèõ Óìîâ, âñòàíîâèâøè ³íøèé òåðì³í ïîâåðíåííÿ êðåäèòó. Ïðè öüîìó, Áàíê íàïðàâëÿº Êë³ºíòó ïîâ³äîìëåííÿ (÷åðåç óñòàíîâëåí³ çàñîáè åëåêòðîííîãî çâÿçêó Áàíêó é Êë³ºíòà - ñèñòåìè ²íòåðíåò- êë³ºíò - áàíê "Ïðèâàò24", ïîâ³äîìëåííÿ íà email) ³ç çàçíà÷åííÿì äàòè òåðì³íó ïîâåðíåííÿ êðåäèòó. Ó âèïàäêó íå ïîãàøåííÿ Êë³ºíòîì çàáîðãîâàíîñò³ çã³äíî ç öèìè Óìîâàìè ó òåðì³í, çàçíà÷åíèé â ïîâ³äîìëåíí³, âñÿ çàáîðãîâàí³ñòü, ïî÷èíàþ÷è ç íàñòóïíîãî äíÿ ï³ñëÿ äàòè, çàçíà÷åíî¿ â ïîâ³äîìëåíí³ ââàæàºòüñÿ ïðîñòðî÷åíîþ. Ó âèïàäêó ïîãàøåííÿ çàáîðãîâàíîñò³ â ïåð³îä äî 90 äí³â (âêëþ÷íî) ç ìîìåíòó âèíèêíåííÿ êîæíîãî ³ç çîáîâ'ÿçàíü, ê³íöåâèì òåðì³íîì ïîâåðíåííÿ êðåäèòó º äàòà, çàçíà÷åíà â çàÿâö³.</FONT></P>
<P class="ps8"><FONT class="fs156">ßê ñòâåðäæóº ïîçèâà÷, â³í ñâî¿ çîáîâ'ÿçàííÿ çà Äîãîâîðîì âèêîíàâ â ïîâíîìó îáñÿç³, íàäàâøè â³äïîâ³äà÷ó êðåäèòíèé ë³ì³ò, îäíàê, â³äïîâ³äà÷ ñâîº÷àñíî òà â ïîâíîìó îáñÿç³ ñâî¿ çîáîâÿçàííÿ ïî ïîâåðíåííþ êðåäèòó íå âèêîíàâ, ó çâÿçêó ç ÷èì, íà ìîìåíò çâåðíåííÿ ïîçèâà÷à ç ïîçîâîì äî ñóäó çà íèì ðàõóºòüñÿ çàáîðãîâàí³ñòü, ÿêà ñêëàäàºòüñÿ ç: 10&nbsp; 000,00 &nbsp;ãðí. çàáîðãîâàíîñò³ çà êðåäèòîì, 3&nbsp; 591,11 ãðí. çàáîðãîâàíîñò³ çà ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì, ÿêà âèíèêëà 27.06.2016 ³ íå áóëà ïîãàøåíà â ìîìåíò, êîëè â³äïîâ³äà÷ íå çä³éñíèâ âíåñåííÿ ÷åðãîâîãî ïëàòåæó íà ðàõóíîê ïîãàøåííÿ çàáîðãîâàíîñò³, ÷èì ïîðóøèâ óìîâè äîãîâîðó.</FONT></P>
<P class="ps8"><FONT class="fs154">Âêàçàíà ïðåòåíç³ÿ áóëà çàëèøåíà â³äïîâ³äà÷åì áåç â³äïîâ³ä³ òà çàäîâîëåííÿ, ó çâÿçêó ç ÷èì ïîçèâà÷ áóâ çìóøåíèé çâåðíóòèñü ç ïîçîâîì äî ñóäó.</FONT></P>
<P class="ps8"><FONT class="fs153">Â³äïîâ³äíî äî àáç. 2 ÷. 1 ñò. 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, äî âèêîíàííÿ ãîñïîäàðñüêèõ äîãîâîð³â çàñòîñîâóþòüñÿ â³äïîâ³äí³ ïîëîæåííÿ Öèâ³ëüíîãî êîäåêñó Óêðà¿íè &nbsp;ç óðàõóâàííÿì îñîáëèâîñòåé, ïåðåäáà÷åíèõ öèì êîäåêñîì.</FONT></P>
<P class="ps8"><FONT class="fs152">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî çîáîâ'ÿçàííÿ ìàº âèêîíóâàòèñÿ íàëåæíèì ÷èíîì â³äïîâ³äíî äî óìîâ äîãîâîðó òà âèìîã öüîãî Êîäåêñó, ³íøèõ àêò³â öèâ³ëüíîãî çàêîíîäàâñòâà.</FONT></P>
<P class="ps8"><FONT class="fs151">Çã³äíî ñò. 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="ps8"><FONT class="fs150">Â³äïîâ³äíî äî ÷.1 ñò. 1049 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ïîçè÷àëüíèê çîáîâ'ÿçàíèé ïîâåðíóòè ïîçèêîäàâöåâ³ ïîçèêó (ãðîøîâ³ êîøòè ó òàê³é ñàì³é ñóì³ àáî ðå÷³, âèçíà÷åí³ ðîäîâèìè îçíàêàìè, ó òàê³é ñàì³é ê³ëüêîñò³, òàêîãî ñàìîãî ðîäó òà òàêî¿ ñàìî¿ ÿêîñò³, ùî áóëè ïåðåäàí³ éîìó ïîçèêîäàâöåì) ó ñòðîê òà â ïîðÿäêó, ùî âñòàíîâëåí³ äîãîâîðîì.</FONT></P>
<P class="ps8"><FONT class="fs149">×àñòèíîþ 1 ñò. 1048 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ïîçèêîäàâåöü ìàº ïðàâî íà îäåðæàííÿ â³ä ïîçè÷àëüíèêà ïðîöåíò³â â³ä ñóìè ïîçèêè, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. Ðîçì³ð ³ ïîðÿäîê îäåðæàííÿ ïðîöåíò³â âñòàíîâëþºòüñÿ äîãîâîðîì. ßêùî äîãîâîðîì íå âñòàíîâëåíèé ðîçì³ð ïðîöåíò³â, ¿õ ðîçì³ð âèçíà÷àºòüñÿ íà ð³âí³ îáë³êîâî¿ ñòàâêè Íàö³îíàëüíîãî áàíêó Óêðà¿íè.</FONT></P>
<P class="ps8"><FONT class="fs148">Ñóä óõâàëàìè â³ä 10.02.2017 òà â³ä 06.03.2017 âèòðåáîâóâàâ ó â³äïîâ³äà÷à äîêàçè, ùî ï³äòâåðäæóþòü ïîãàøåííÿ çàáîðãîâàíîñò³ çà Äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 07.10.2015, îäíàê â³äïîâ³äà÷ â³äçèâ íà ïîçîâ íå ïîäàâ, äîêàç³â íàëåæíîãî âèêîíàííÿ ñâî¿õ çîáîâÿçàíü çà Äîãîâîðîì íå íàäàâ òà äîâîäè ïîçèâà÷à íå ñïðîñòóâàâ.</FONT></P>
<P class="ps8"><FONT class="fs147">Âðàõîâóþ÷è òå, ùî ñòàíîì íà äåíü ïðèéíÿòòÿ ð³øåííÿ ó ñïðàâ³, çàáîðãîâàí³ñòü çà êðåäèòîì â ðîçì³ð³ 10&nbsp; 000,00 ãðí. òà 3&nbsp; 591, 11 ãðí. çàáîðãîâàíîñò³ çà ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì (ç 31.05.2016 ïî 15.12.2016) çàëèøèëèñü íåïîãàøåíèìè, ðîçì³ð çàáîðãîâàíîñò³ â³äïîâ³äàº ôàêòè÷íèì îáñòàâèíàì ñïðàâè, ïîçîâí³ âèìîãè â ö³é ÷àñòèí³ ï³äëÿãàþòü çàäîâîëåííþ.</FONT></P>
<P class="ps8"><FONT class="fs146">Òàêîæ ïîçèâà÷ ïðîñèòü ñòÿãíóòè ç â³äïîâ³äà÷à 1&nbsp; 419,37 ãðí. ïåí³ (ç 30.06.2016 ïî 15.12.2016).</FONT></P>
<P class="ps8"><FONT class="fs145">Ïóíêòîì 3.2.2.10.1 Óìîâ, ïåðåäáà÷åíî, ùî ïðè ïîðóøåíí³ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü ïî ñïëàò³ â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, òåðì³í³â ïîâåðíåííÿ êðåäèòó, âèíàãîðîäè, 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 Çàÿâö³ â³ä ñóìè çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ çä³éñíþºòüñÿ ó ãðèâí³.</FONT></P>
<P class="ps8"><FONT class="fs144">Â³äïîâ³äíî äî ï.6 ñòàòò³ 232 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè, 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="ps8"><FONT class="fs143">Â³äïîâ³äíî äî 3.2.2.10.4 Óìîâ - íàðàõóâàííÿ íåóñòîéêè çà êîæíèé âèïàäîê ïîðóøåííÿ çîáîâ'ÿçàíü, ïåðåäáà÷åíî¿ ï. 3.2.2.10.1-3.2.2.10.3, çä³éñíþºòüñÿ ïðîòÿãîì 15 ðîê³â ç äíÿ, êîëè â³äïîâ³äíå çîáîâ'ÿçàííÿ ìàëî áóòè âèêîíàíî Êë³ºíòîì.</FONT></P>
<P class="ps8"><FONT class="fs142">Çã³äíî ç³ ñò. 549 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê &nbsp;ïîâèíåí &nbsp;ïåðåäàòè &nbsp;êðåäèòîðîâ³ &nbsp;ó &nbsp;ðàç³ &nbsp;ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ. Ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî &nbsp;âèêîíàíîãî &nbsp;ãðîøîâîãî &nbsp;çîáîâ'ÿçàííÿ &nbsp;çà &nbsp;êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ. </FONT></P>
<P class="ps8"><FONT class="fs141">Ïåðåâ³ðèâøè ïðàâèëüí³ñòü çàçíà÷åíèõ ïîçèâà÷åì ïåð³îä³â òà ðîçðàõóíê³â, çà äîïîìîãîþ êàëüêóëÿòîðà øòðàô³â ñèñòåìè «Ë³ãà-Çàêîí», ñóä âñòàíîâèâ, ùî ðîçì³ð ïåí³ çà ïåð³îä ç 30.06.2016 ïî 15.12.2016 ñòàíîâèòü 1&nbsp; 395,63 ãðí., òàêèì ÷èíîì çàÿâëåí³ äî ñòÿãíåííÿ 1&nbsp; 419,37 ãðí. ïåíÿ ï³äëÿãàº ÷àñòêîâîìó çàäîâîëåííþ â ñóì³ 1&nbsp; 395,63 ãðí.</FONT></P>
<P class="ps8"><FONT class="fs140">Ç óðàõóâàííÿì âèêëàäåíîãî, ïîçîâí³ âèìîãè ï³äëÿãàþòü çàäîâîëåííþ ÷àñòêîâî òà ç â³äïîâ³äà÷à ï³äëÿãàº ñòÿãíåííþ 10&nbsp; 000 (äåñÿòü òèñÿ÷) ãðí. 00 êîï. çàáîðãîâàíîñò³ çà êðåäèòîì, 3&nbsp; 591 (òðè òèñÿ÷³ ïÿòñîò äåâÿíîñòî îäíó) ãðí. 11 êîï. çàáîðãîâàíîñò³ çà ïðîöåíòàìè çà êîðèñòóâàííÿ êðåäèòîì, 1&nbsp; 395 (îäíó òèñÿ÷ó òðèñòà äåâÿíîñòî ïÿòü) ãðí. 63 êîï. ïåí³. Â ³íø³é ÷àñòèí³ ñóä â³äìîâëÿº.</FONT></P>
<P class="ps8"><FONT class="fs139">Âèòðàòè ïî ñïëàò³ ñóäîâîãî çáîðó â³äïîâ³äíî äî ñò. 49 ÃÏÊ Óêðà¿íè ïîêëàäàþòüñÿ ñóäîì íà ñòîð³í ïðîïîðö³éíî ðîçì³ðó çàäîâîëåíèõ âèìîã. </FONT></P>
<P class="ps2"><FONT class="fs138">Êåðóþ÷èñü ñò.ñò. 49, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä - &nbsp;</FONT></P>
<P class="ps11"><FONT class="fs121">âèð³øèâ:</FONT></P>
<P class="ps3"><FONT class="fs137">1. &nbsp;Ïîçîâí³ âèìîãè çàäîâîëüíèòè ÷àñòêîâî.</FONT></P>
<P class="ps3"><FONT class="fs135">3. &nbsp;Â ³íø³é ÷àñòèí³ ïîçîâó â³äìîâèòè. </FONT></P>
<P class="ps3"><FONT class="fs134">4. &nbsp;Íàêàç âèäàòè ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè.</FONT></P>
<P><FONT class="fs199">Äàòà ï³äïèñàííÿ ïîâíîãî òåêñòó ð³øåííÿ: 05.04.2017.</FONT></P>
<P class="ps5"><FONT class="fs133"> &nbsp;</FONT></P>
<P class="ps10"><FONT class="fs115">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;Î.Â. Ùîòê³í</FONT></P>
<P><FONT class="fs101"> </FONT></P>