<TITLE>910/2214/17</TITLE>
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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps20"><FONT class="fs267"> &nbsp;</FONT><FONT class="fs265"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps9"><FONT class="fs155">Ð²ØÅÍÍß</FONT></P>
<P class="ps9"><FONT class="fs154">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
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<TR><TD width="50 %" class="tds6"><P class="ps21">07.04.2017</P></TD><TD width="50 %" class="tds6"><P class="ps17"><FONT class="fs172">Ñïðàâà ¹910/2214/17</FONT></P></TD></TR>
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<TR><TD width="13 %" class="tds8"><P><FONT class="fs171">Çà ïîçîâîì</FONT></P></TD><TD width="87 %" class="tds8"><P class="ps0">Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ"</P></TD></TR>
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<TR><TD width="13 %" class="tds10"><P><FONT class="fs170">äî</FONT></P></TD><TD width="87 %" class="tds10"><P class="ps1"><FONT class="fs257">Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "ÊÂÀÐÒÅÒ-ÀÂÒÎÑÅÂ²Ñ"</FONT></P></TD></TR>
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<TR><TD width="13 %" class="tds11"><P class="ps16"><FONT class="fs169">ïðî</FONT></P></TD><TD width="87 %" class="tds11"><P>ñòÿãíåííÿ çàáîðãîâàíîñò³ 40 364, 49 ãðí.</P></TD></TR>
<P class="ps18"><FONT class="fs168">Ñóääÿ Ï³ä÷åíêî Þ.Î.</FONT></P>
<P class="ps4"><FONT class="fs167">Ïðåäñòàâíèêè ñòîð³í:</FONT></P>
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<TR><TD width="21 %" class="tds14"><P><FONT class="fs166">â³ä ïîçèâà÷à:</FONT></P></TD><TD width="79 %" class="tds14"><P class="ps1">íå çÿâèâñÿ;</P></TD></TR>
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<TR><TD width="21 %" class="tds16"><P><FONT class="fs165">â³ä â³äïîâ³äà÷à:</FONT></P></TD><TD width="79 %" class="tds16"><P class="ps16">íå ç'ÿâèâñÿ.</P></TD></TR>
<P class="ps9"><FONT class="fs164">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps5">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî Êîìåðö³éíèé áàíê "ÏÐÈÂÀÒÁÀÍÊ" (äàë³  &nbsp;ïîçèâà÷, ÏÀÒ ÊÁ "ÏÐÈÂÀÒÁÀÍÊ") çâåðíóëîñü äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ³ç ïîçîâîì äî Òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ "<FONT class="fs256"> ÊÂÀÐÒÅÒ-ÀÂÒÎÑÅÂ²Ñ</FONT>" (äàë³  â³äïîâ³äà÷, Òîâàðèñòâî) ïðî ñòÿãíåííÿ çàáîðãîâàíîñò³ çà Äîãîâîðîì ¹ á/í â³ä 28.11.2013 ðîêó â ðîçì³ð³ 40 364, 49 ãðí., ç ÿêèõ:</P>
<P class="ps5">- 8 942, 39 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì;</P>
<P class="ps5">- 14 536, 35 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì;</P>
<P class="ps5">- 16 885, 75 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì.</P>
<P class="ps5">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 13.02.2017 ð. ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ ¹ 910/2214/17, ðîçãëÿä ñïðàâè ïðèçíà÷åíî íà 07.04.2017 ð.</P>
<P class="ps8">Ïðåäñòàâíèêè ñòîð³í, ùî íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî ÷àñ òà ì³ñöå ðîçãëÿäó ñïðàâè, â ñóäîâå çàñ³äàííÿ 07.04.2017 ð. íå çÿâèëèñÿ, ïðî ïðè÷èíè íåÿâêè ñóä íå ïîâ³äîìèëè.</P>
<P class="ps7">Â³äïîâ³äíî äî ï. 3.9 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè ¹ 18 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. </P>
<P class="ps7">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.</P>
<P class="ps7">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, ô³çè÷íèõ îñ³á  ï³äïðèºìö³â òà ãðîìàäñüêèõ ôîðìóâàíü), 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.</P>
<P class="ps7">Óõâàëà ñóäó ó äàí³é ñïðàâ³ â³ä 13.02.17 ð. íàä³ñëàíà ñòîðîíàì çà àäðåñàìè, âêàçàíèìè ó ïîçîâí³é çàÿâ³ òà ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á, ô³çè÷íèõ îñ³á  ï³äïðèºìö³â òà ãðîìàäñüêèõ ôîðìóâàíü. </P>
<P class="ps7">Îòæå, çà çì³ñòîì âèùåçàçíà÷åíî¿ íîðìè ñòîðîíè çàâ÷àñíî òà íàëåæíèì ÷èíîì ïîâ³äîìëåí³ ïðî ì³ñöå, äàòó òà ÷àñ ñóäîâîãî çàñ³äàííÿ. Êð³ì òîãî, ¿ì íàäàâàëîñÿ äîñòàòíüî ÷àñó äëÿ ïîäàííÿ çàÿâ, êëîïîòàíü, ïèñüìîâèõ ïîÿñíåíü òà äîäàòêîâèõ äîêóìåíò³â.</P>
<P class="ps7">Çà òàêèõ îáñòàâèí ñóä íå âáà÷àº ï³äñòàâ äëÿ â³äêëàäåííÿ ðîçãëÿäó ñïðàâè òà â³äïîâ³äíî äî ñòàòò³ 75 ÃÏÊ Óêðà¿íè çä³éñíþº ¿¿ ðîçãëÿä çà íàÿâíèìè ìàòåð³àëàìè áåç ó÷àñò³ ïðåäñòàâíèê³â ñòîð³í.</P>
<P class="ps6">Äîñë³äèâøè ìàòåð³àëè ñïðàâè, âñåá³÷íî ³ ïîâíî çÿñóâàâøè âñ³ ôàêòè÷í³ îáñòàâèíè, íà ÿêèõ ´ðóíòóºòüñÿ ïîçîâ, îáºêòèâíî îö³íèâøè äîêàçè, ÿê³ ìàþòü þðèäè÷íå çíà÷åííÿ äëÿ ðîçãëÿäó ñïðàâè ³ âèð³øåííÿ ñïîðó ïî ñóò³, ñóä, -</P>
<P class="ps11"><FONT class="fs163">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps5">Ó â³äïîâ³äíîñò³ äî ñò. 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè, ñò. 173 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿì º ïðàâîâ³äíîøåííÿ, â ÿêîìó îäíà ñòîðîíà (áîðæíèê) çîáîâ'ÿçàíà â÷èíèòè íà êîðèñòü äðóãî¿ ñòîðîíè (êðåäèòîðà) ïåâíó ä³þ (ïåðåäàòè ìàéíî, âèêîíàòè ðîáîòó, íàäàòè ïîñëóãó, ñïëàòèòè ãðîø³ òîùî) àáî óòðèìàòèñÿ â³ä ïåâíî¿ ä³¿, à êðåäèòîð ìàº ïðàâî âèìàãàòè â³ä áîðæíèêà âèêîíàííÿ éîãî îáîâ'ÿçêó.</P>
<P class="ps5">Çà ïðèïèñàìè ñò.ñò. 11, 509 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè çîáîâ'ÿçàííÿ âèíèêàþòü, çîêðåìà, ç äîãîâîðó.</P>
<P class="ps5">Äîãîâîðîì º äîìîâëåí³ñòü äâîõ àáî á³ëüøå ñòîð³í, ñïðÿìîâàíà íà âñòàíîâëåííÿ, çì³íó àáî ïðèïèíåííÿ öèâ³ëüíèõ ïðàâ òà îáîâ'ÿçê³â (ñò. 626 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps5">Çã³äíî ³ç ñò.ñò. 6, 627 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè 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.</P>
<P class="ps5">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 (÷. 1 ñò. 1054 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps5">Ñòàòòåþ 639 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð ìîæå áóòè óêëàäåíèé ó áóäü-ÿê³é ôîðì³, ÿêùî âèìîãè ùîäî ôîðìè äîãîâîðó íå âñòàíîâëåí³ çàêîíîì. </P>
<P class="ps5">Çà çì³ñòîì ñò. 205 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ìîæå â÷èíÿòèñÿ óñíî àáî â ïèñüìîâ³é ôîðì³. Ñòîðîíè ìàþòü ïðàâî îáèðàòè ôîðìó ïðàâî÷èíó, ÿêùî ³íøå íå âñòàíîâëåíî çàêîíîì. Ïðàâî÷èí, äëÿ ÿêîãî çàêîíîì íå âñòàíîâëåíà îáîâ'ÿçêîâà ïèñüìîâà ôîðìà, ââàæàºòüñÿ â÷èíåíèì, ÿêùî ïîâåä³íêà ñòîð³í çàñâ³ä÷óº ¿õíþ âîëþ äî íàñòàííÿ â³äïîâ³äíèõ ïðàâîâèõ íàñë³äê³â. </P>
<P class="ps5">Ïðè öüîìó, çà ïðèïèñàìè ñò. 207 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî éîãî çì³ñò çàô³êñîâàíèé â îäíîìó àáî ê³ëüêîõ äîêóìåíòàõ, ó ëèñòàõ, òåëåãðàìàõ, ÿêèìè îáì³íÿëèñÿ ñòîðîíè. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî âîëÿ ñòîð³í âèðàæåíà çà äîïîìîãîþ òåëåòàéïíîãî, åëåêòðîííîãî àáî ³íøîãî òåõí³÷íîãî çàñîáó çâ'ÿçêó. Ïðàâî÷èí ââàæàºòüñÿ òàêèì, ùî â÷èíåíèé ó ïèñüìîâ³é ôîðì³, ÿêùî â³í ï³äïèñàíèé éîãî ñòîðîíîþ (ñòîðîíàìè). </P>
<P class="ps5">×àñòèíîþ 1 ñò. 181 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òàêîæ âñòàíîâëåíî, ùî ãîñïîäàðñüêèé äîãîâ³ð çà çàãàëüíèì ïðàâèëîì âèêëàäàºòüñÿ ó ôîðì³ ºäèíîãî äîêóìåíòà, ï³äïèñàíîãî ñòîðîíàìè òà ñêð³ïëåíîãî ïå÷àòêàìè. Äîïóñêàºòüñÿ óêëàäåííÿ ãîñïîäàðñüêèõ äîãîâîð³â ó ñïðîùåíèé ñïîñ³á, òîáòî øëÿõîì îáì³íó ëèñòàìè, ôàêñîãðàìàìè, òåëåãðàìàìè, òåëåôîíîãðàìàìè òîùî, à òàêîæ øëÿõîì ï³äòâåðäæåííÿ ïðèéíÿòòÿ äî âèêîíàííÿ çàìîâëåíü, ÿêùî çàêîíîì íå âñòàíîâëåíî ñïåö³àëüí³ âèìîãè äî ôîðìè òà ïîðÿäêó óêëàäåííÿ äàíîãî âèäó äîãîâîð³â.</P>
<P class="ps5">Ó ïóíêò³ 3.2.2.12.2 Óìîâ òà ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã çàçíà÷åíî, ùî äîãîâ³ð ï³äïèñàíèé ç âèêîðèñòàííÿì åëåêòðîííîãî àáî åëåêòðîííîãî öèôðîâîãî ï³äïèñó ó ïîðÿäêó, ïåðåäáà÷åíîìó Çàêîíàìè Óêðà¿íè "Ïðî åëåêòðîíí³ äîêóìåíòè òà åëåêòðîííèé äîêóìåíòîîá³ã" òà "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ". </P>
<P class="ps5">Â³äïîâ³äíî äî <FONT class="fs176">ñòàòò³ 3 Çàêîíó Óêðà¿íè "Ïðî åëåêòðîííèé öèôðîâèé ï³äïèñ"</FONT> åëåêòðîííèé öèôðîâèé ï³äïèñ çà ïðàâîâèì ñòàòóñîì ïðèð³âíþºòüñÿ äî âëàñíîðó÷íîãî ï³äïèñó (ïå÷àòêè) ó ðàç³, ÿêùî: åëåêòðîííèé öèôðîâèé ï³äïèñ ï³äòâåðäæåíî ç âèêîðèñòàííÿì ïîñèëåíîãî ñåðòèô³êàòà êëþ÷à çà äîïîìîãîþ íàä³éíèõ çàñîá³â öèôðîâîãî ï³äïèñó; ï³ä ÷àñ ïåðåâ³ðêè âèêîðèñòîâóâàâñÿ ïîñèëåíèé ñåðòèô³êàò êëþ÷à, ÷èííèé íà ìîìåíò íàêëàäåííÿ åëåêòðîííîãî öèôðîâîãî ï³äïèñó; îñîáèñòèé êëþ÷ ï³äïèñóâà÷à â³äïîâ³äàº â³äêðèòîìó êëþ÷ó, çàçíà÷åíîìó ó ñåðòèô³êàò³.</P>
<P class="ps5">28.11.2013 ð. Òîâàðèñòâî çâåðíóëîñÿ äî ÏÀÒ ÊÁ "ÏÐÈÂÀÒÁÀÍÊ" ç çàÿâîþ ïðî ïðèºäíàííÿ äî Óìîâ ³ ïðàâèë íàäàííÿ áàíê³âñüêèõ ïîñëóã òà â³äêðèòòÿ ïîòî÷íîãî ðàõóíêó.</P>
<P class="ps5">Ðîçä³ëîì 3.2.2. çàçíà÷åíèõ Óìîâ ðåãëàìåíòîâàíèé ïîðÿäîê íàäàííÿ êðåäèòó çà ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ".</P>
<P class="ps5">Ïîñëóãó "Ãàðàíòîâàíèé ïëàò³æ" ÏÀÒ ÊÁ "ÏÐÈÂÀÒÁÀÍÊ" íàäàº, äëÿ âèêîíàííÿ ãðîøîâèõ çîáîâÿçàíü çà ãîñïîäàðñüêèìè äîãîâîðàìè, ùî óêëàäàþòüñÿ ì³æ Êë³ºíòàìè òà éîãî êîíòðàãåíòàìè, à òàêîæ ì³æ Êë³ºíòàìè ³ ÏÀÒ ÊÁ " ÏÐÈÂÀÒÁÀÍÊ". Ïîñëóãà íàäàºòüñÿ ó âèãëÿä³ âèêîíàííÿ ÏÀÒ ÊÁ " ÏÐÈÂÀÒÁÀÍÊ" çàÿâîê íà äîãîâ³ðíå ñïèñàííÿ êîøò³â (äàë³  ãàðàíòîâàíèé ïëàò³æ, çàÿâêà), çã³äíî ÿêî¿ êë³ºíò-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 (ï 3.1.1.73 Óìîâ).</P>
<P class="ps5">Â³äïîâ³äíî äî ï. 3.2.2.1. Óìîâ  êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâÿçàííÿ Êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â ³ âèíàãîðîäè.</P>
<P class="ps5">ßê âáà÷àºòüñÿ ç ïîçîâíî¿ çàÿâè, ï³ñëÿ óêëàäåííÿ äîãîâîðó â³äïîâ³äà÷ àêòèâíî ïî÷àâ êîðèñòóâàòèñÿ ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ", ÿêèé íàäàâàâñÿ ÏÀÒ ÊÁ " ÏÐÈÂÀÒÁÀÍÊ" øëÿõîì ðåºñòðàö³¿ â³äïîâ³äíèõ çàÿâîê â ñèñòåì³ Internet banking Ïðèâàò-24 (çàÿâêè äîäàþòüñÿ äî ïîçîâíî¿ çàÿâè).</P>
<P class="ps5">Ñòàòòåþ 526 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî 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="ps5">Çà çì³ñòîì 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.</P>
<P class="ps5">Äîãîâ³ð º îáîâ'ÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè (ñò. 629 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè).</P>
<P class="ps5">Ñâî¿ çîáîâÿçàííÿ ïîçèâà÷ âèêîíàâ íàëåæíèì ÷èíîì, ñâîº÷àñíèì ïðîâåäåííÿì Ãàðàíòîâàíèõ ïëàòåæ³â ³í³ö³éîâàíèõ êë³ºíòîì, ùî ï³äòâåðäæóºòüñÿ ðîçðàõóíêîì çàáîðãîâàíîñò³ òà âèïèñêàìè ïî ðàõóíêàõ â³äêðèòèõ äëÿ îáñëóãîâóâàííÿ ðàõóíêó â³äïîâ³äà÷à.</P>
<P class="ps5">Ïîçèâà÷ çàóâàæóº, ùî ïðîñòðî÷åíà çàáîðãîâàí³ñòü íà ðàõóíêó â³äïîâ³äà÷à ç'ÿâèëàñÿ 03.03.2014 ðîêó ³ íå áóëà ïîãàøåíà â ìîìåíò, êîëè â³äïîâ³äà÷ íå çä³éñíèâ âíåñåííÿ ÷åðãîâîãî ïëàòåæó íà ðàõóíîê ïîãàøåííÿ çàáîðãîâàíîñò³, òîáòî ïîðóøèâ óìîâè äîãîâîðó.</P>
<P class="ps5">Â³äïîâ³äíî äî ï. 3.2.2.2. Óìîâ, ó ðàç³ íåïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòîì çà êðåäèòîì ó ñòðîê äî 30 äí³â, âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü ïî êðåäèòó ñòàº ïðîñòðî÷åíîþ.</P>
<P class="ps5">Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì Êë³ºíò ïëàòèòü â³äñîòêè â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³.</P>
<P class="ps5">Çã³äíî ïóíêòó 3.2.2.7.5. Óìîâ - áàíê ìàº ïðàâî ïðè ïîðóøåííÿ Êë³ºíòîì áóäü-ÿêîãî ³ç çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî "Óìîâàìè", çì³íèòè óìîâè êðåäèòóâàííÿ òà âèìàãàòè â³ä êë³ºíòà äîñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòó â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâ'ÿçàíü çà êðåäèòîì ó ïîâíîìó îáñÿç³.</P>
<P class="ps5">Çàãàëüíà çàáîðãîâàí³ñòü çà ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ" ñêëàëà ñóìó çàáîðãîâàíîñò³ çà âèêîíàíèìè ïëàòåæàìè, ùî â³äîáðàæåíî â ðîçðàõóíêó çàáîðãîâàíîñò³ òà âèïèñêàìè ïî ðàõóíêàõ ³ ñòàíîì íà 04.01.2017 çàáîðãîâàí³ñòü â³äïîâ³äà÷à ïåðåä &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ÏÀÒ ÊÁ "ÏÐÈÂÀÒÁÀÍÊ" ñòàíîâèòü 40 364, 49 ãðí. òà ñêëàäàºòüñÿ ç íàñòóïíîãî:</P>
<P class="ps5">- 8 942, 39 ãðí.  çàáîðãîâàí³ñòü çà êðåäèòîì (çà ïåð³îä ç 03.03.2014 ð. ïî 04.01.2017 ð.);</P>
<P class="ps5">- 14 536, 35 ãðí.  çàáîðãîâàí³ñòü ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì (çà ïåð³îä ç 03.03.2014 ð. ïî 04.01.2017 ð.);</P>
<P class="ps5">- 16 885, 75 ãðí.  ïåíÿ çà íåñâîº÷àñí³ñòü âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì (çà ïåð³îä ç 17.11.2014 ðîêó ïî 04.01.2017 ðîêó).</P>
<P class="ps5">Òàêèì ÷èíîì, ïðèéìàþ÷è äî óâàãè âèçíà÷åíèé Óìîâàìè òà ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã ïîðÿäîê òà ñòðîêè ïîâåðíåííÿ êðåäèòíèõ êîøò³â, à òàêîæ çì³ñò íàä³ñëàíî¿ áàíêîì íà àäðåñó êë³ºíòà ïðåòåíç³¿, ñóäîì âñòàíîâëåíî, ùî ñòðîê âèêîíàííÿ Òîâàðèñòâîì îáîâ'ÿçêó ç ïîâåðíåííÿ îòðèìàíèõ êîøò³â íàñòàâ.</P>
<P class="ps5">Ïðîòå, êë³ºíò ñâî¿õ çîáîâ'ÿçàíü ç ïîâåðíåííÿ íàäàíîãî êðåäèòó â ïîâíîìó îáñÿç³ íå âèêîíàâ.</P>
<P class="ps5">Ç óðàõóâàííÿì âèùåâèêëàäåíîãî, âðàõîâóþ÷è, ùî ôàêò êîðèñòóâàííÿ ïîñëóãîþ "Ãàðàíòîâàíèé ïëàò³æ" òà ôàêò ïîðóøåííÿ â³äïîâ³äà÷åì ñâî¿õ äîãîâ³ðíèõ çîáîâ`ÿçàíü â ÷àñòèí³ ñâîº÷àñíîãî ïîâåðíåííÿ êðåäèòó ï³äòâåðäæåíèé ìàòåð³àëàìè ñïðàâè ³ íå ñïðîñòîâàíèé â³äïîâ³äà÷åì, ñóä ïðèéøîâ äî âèñíîâêó ïðî îá´ðóíòîâàí³ñòü ïîçîâíèõ âèìîã â ÷àñòèí³ ñòÿãíåííÿ çàáîðãîâàíîñò³ çà êðåäèòîì â ñóì³ 8 942, 39 ãðí.</P>
<P class="ps5">Ñòàòòåþ 1056-1 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè ïåðåäáà÷åíî, ùî ïðîöåíòíà ñòàâêà çà êðåäèòîì ìîæå áóòè ô³êñîâàíîþ àáî çì³íþâàíîþ. Òèï ïðîöåíòíî¿ ñòàâêè âèçíà÷àºòüñÿ êðåäèòíèì äîãîâîðîì. Ðîçì³ð ïðîöåíò³â, òèï ïðîöåíòíî¿ ñòàâêè (ô³êñîâàíà àáî çì³íþâàíà) òà ïîðÿäîê ¿õ ñïëàòè çà êðåäèòíèì äîãîâîðîì âèçíà÷àþòüñÿ â äîãîâîð³ çàëåæíî â³ä êðåäèòíîãî ðèçèêó, íàäàíîãî çàáåçïå÷åííÿ, ïîïèòó ³ ïðîïîçèö³é, ÿê³ ñêëàëèñÿ íà êðåäèòíîìó ðèíêó, ñòðîêó êîðèñòóâàííÿ êðåäèòîì, ðîçì³ðó îáë³êîâî¿ ñòàâêè òà ³íøèõ ôàêòîð³â.</P>
<P class="ps5">Çà êîðèñòóâàííÿ êðåäèòîì ó ïåð³îä ç äàòè ³í³ö³þâàííÿ Êë³ºíòîì çàÿâêè äî äàòè âèêîíàííÿ çàÿâêè Êë³ºíò ñïëà÷óº âèíàãîðîäó çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòà â ðîçì³ð³ 4% ð³÷íèõ (àëå íå ìåíøå 5 ãðèâåíü) â³ä ðîçì³ðó êðåäèòó, çàçíà÷åíî â çàÿâö³ Êë³ºíòà. Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòà ñïëà÷óºòüñÿ Êë³ºíòîì ó äàòó íàäàííÿ â Áàíê çàÿâêè. Ó ïåð³îä ç äàòè âèêîíàííÿ çàÿâêè çà ðàõóíîê êðåäèòíèõ êîøò³â êë³ºíòà çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³ 36% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016 ðîêó) òà ïî÷èíàþ÷è ç 01.02.2016 ðîêó êë³ºíò çà êîðèñòóâàííÿ êðåäèòîì ñïëà÷óº áàíêó â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016 ðîêó).</P>
<P class="ps5">Ç îãëÿäó íà âèùåâèêëàäåíå, áàíêîì çà êîðèñòóâàííÿ êðåäèòíèìè êîøòàìè çà ïåð³îä ç 03.03.2014 ð. ïî 04.01.2017 ð. íàðàõîâàíî ïðîöåíòè íà çàãàëüíó ñóìó 14 536, 35 ãðí., äîêàç³â ïîãàøåííÿ ÿêèõ ìàòåð³àëè ñïðàâè íå ì³ñòÿòü. </P>
<P class="ps5">Ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì ðîçðàõóíîê ñóä ä³éøîâ âèñíîâêó ïðî éîãî îá´ðóíòîâàí³ñòü, â³ðí³ñòü òà â³äïîâ³äí³ñòü ôàêòè÷íèì îáñòàâèíàì ñïðàâè ³ íîðìàì ÷èííîãî çàêîíîäàâñòâà, òîìó âèìîãè ïîçèâà÷à â ö³é ÷àñòèí³ òàêîæ ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps5">Ñòàòòåþ 611 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè âñòàíîâëåíî, ùî ó ðàç³ ïîðóøåííÿ çîáîâ'ÿçàííÿ, íàñòàþòü íàñë³äêè, ïåðåäáà÷åí³ äîãîâîðîì àáî çàêîíîì, â òîìó ÷èñë³, ñïëàòà íåóñòîéêè. Ïðèïèñàìè ñòàòò³ 230 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè òàêîæ âñòàíîâëåíî, ùî ó ðàç³ ïîðóøåííÿ ó÷àñíèêîì ãîñïîäàðñüêèõ â³äíîñèí ïðàâèë çä³éñíåííÿ ãîñïîäàðñüêî¿ ä³ÿëüíîñò³, íåâèêîíàííÿ àáî íåíàëåæíå âèêîíàííÿ ãîñïîäàðñüêîãî çîáîâ'ÿçàííÿ, â³í çîáîâ'ÿçàíèé ñïëàòèòè øòðàôí³ ñàíêö³¿ ó âèãëÿä³ ãðîøîâî¿ ñóìè (íåóñòîéêà, ïåíÿ, øòðàô).</P>
<P class="ps5">Îòæå, ïîðóøåííÿ áîðæíèêîì ïðèéíÿòèõ íà ñåáå çîáîâ'ÿçàíü òÿãíå çà ñîáîþ â³äïîâ³äí³ ïðàâîâ³ íàñë³äêè, ÿê³ ïîëÿãàþòü ó ìîæëèâîñò³ çàñòîñóâàííÿ êðåäèòîðîì äî áîðæíèêà âñòàíîâëåíî¿ çàêîíîì àáî äîãîâîðîì â³äïîâ³äàëüíîñò³, çîêðåìà, ñïëàòè ïåí³.</P>
<P class="ps5">Ïóíêòîì 3.2.2.2 Óìîâ ïåðåäáà÷åíî, ùî ó âèïàäêó ïîðóøåííÿ êë³ºíòîì áóäü-ÿêîãî ç ãðîøîâèõ çîáîâ'ÿçàíü òà ïðè ðåàë³çàö³¿ ïðàâà áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êîøò³â, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ñïëà÷óº áàíêó ïåíþ ó ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè íåïîãàøåíî¿ çàáîðãîâàíîñò³ çà êîæåí äåíü ïðîñòðî÷åííÿ. Ñïëàòà ïåí³ ïî÷èíàºòüñÿ ç äíÿ, ùî éäå çà äíåì ïîðóøåííÿ çîáîâ'ÿçàíü. </P>
<P class="ps5">Ïåðåâ³ðèâøè íàäàíèé ïîçèâà÷åì ðîçðàõóíîê ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâ'ÿçàíü çà äîãîâîðîì ñóä ä³éøîâ âèñíîâêó ïðî éîãî îá´ðóíòîâàí³ñòü, â³ðí³ñòü òà â³äïîâ³äí³ñòü ôàêòè÷íèì îáñòàâèíàì ñïðàâè ³ íîðìàì ÷èííîãî çàêîíîäàâñòâà, òîìó âèìîãè ïîçèâà÷à â ö³é ÷àñòèí³ òàêîæ ï³äëÿãàþòü çàäîâîëåííþ.</P>
<P class="ps5">Çã³äíî ñò. 43 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäî÷èíñòâî ó ãîñïîäàðñüêèõ ñóäàõ çä³éñíþºòüñÿ íà çàñàäàõ çìàãàëüíîñò³. Ñòîðîíè òà ³íø³ îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, îá´ðóíòîâóþòü ñâî¿ âèìîãè ³ çàïåðå÷åííÿ ïîäàíèìè ñóäó äîêàçàìè.</P>
<P class="ps5">Çîêðåìà, â ñèëó âèìîã ñò. ñò. 33, 34 öüîãî Êîäåêñó êîæíà ñòîðîíà ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâó ñâî¿õ âèìîã òà çàïåðå÷åíü. Äîêàçè ïîäàþòüñÿ ñòîðîíàìè òà ³íøèìè ó÷àñíèêàìè ñóäîâîãî ïðîöåñó. Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñÿ ³íøèìè çàñîáàìè äîêàçóâàííÿ.</P>
<P class="ps5">Â³äïîâ³äà÷ ï³ä ÷àñ ðîçãëÿäó ñïðàâè íå íàäàâ ñóäó íàëåæíèõ òà äîïóñòèìèõ äîêàç³â, ÿê³ á ñïðîñòîâóâàëè çàÿâëåí³ ïîçîâí³ âèìîãè òà ñâ³ä÷èëè ïðî â³äñóòí³ñòü ó íüîãî îáîâ'ÿçêó ñïëàòèòè çàÿâëåíó äî ñòÿãíåííÿ çàáîðãîâàí³ñòü.</P>
<P class="ps5">Çà òàêèõ îáñòàâèí, îö³íèâøè ïîäàí³ äîêàçè çà ñâî¿ì âíóòð³øí³ì ïåðåêîíàííÿì, ùî ´ðóíòóºòüñÿ íà ïîâíîìó, âñåá³÷íîìó ³ îá'ºêòèâíîìó ðîçãëÿä³ â ñóäîâîìó çàñ³äàíí³ âñ³õ îáñòàâèí ñïðàâè â ¿õ ñóêóïíîñò³, âðàõîâóþ÷è, ùî ïîçèâà÷ âçÿò³ íà ñåáå çîáîâ'ÿçàííÿ âèêîíàâ íàëåæíèì ÷èíîì, ñóä ä³éøîâ äî âèñíîâêó ïðî çàäîâîëåííÿ ïîçîâíèõ âèìîã â ïîâíîìó îáñÿç³ ç ïîêëàäåííÿì ñóäîâîãî çáîðó íà â³äïîâ³äà÷à â ïîðÿäêó ñò. 49 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè.</P>
<P class="ps5">Êåðóþ÷èñü ñò.ñò. 32, 33, 34, 43, 44, 49, 75, 82-85 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè, ñóä, -</P>
<P class="ps11"><FONT class="fs162">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps8">1.<FONT class="fs161"> </FONT>Ïîçîâ Ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà "Êîìåðö³éíèé áàíê "Ïðèâàòáàíê" çàäîâîëüíèòè.</P>
<P class="ps7"><FONT class="fs261">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="ps15"><FONT class="fs259">Ïîâíèé òåêñò ð³øåííÿ ï³äïèñàíî 12.04.2017 ð.</FONT></P>
<P><FONT class="fs159">Ñóääÿ                                                                                                     Þ.Î. Ï³ä÷åíêî </FONT></P>