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<TABLE cellspacing=0 px class="tslast">
<TR><TD width="100 %" class="tds1"><P class="ps9"><FONT class="fs180"> &nbsp;</FONT><FONT class="fs178"><IMG src="herb.gif" height=70 width=52></FONT></P><BR>
<P class="ps4"><FONT class="fs116">²ÌÅÍÅÌ ÓÊÐÀ¯ÍÈ</FONT></P>
<P class="ps4"><FONT class="fs115">Ð²ØÅÍÍß</FONT></P>
<TABLE cellspacing=0 px class="tslast">
<TR><TD width="50 %" class="tds6"><P class="ps10"><FONT class="fs75">13.06.2017</FONT></P></TD><TD width="50 %" class="tds6"><P class="ps8"><FONT class="fs114">Ñïðàâà ¹910/8357/17</FONT></P></TD></TR>
<P class="ps1"><FONT class="fs113">Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ó ñêëàä³ ñóää³ Êóðäåëü÷óêà ².Ä</FONT><FONT class="fs172">., çà ó÷àñò³ ñåêðåòàðÿ ñóäîâîãî çàñ³äàííÿ Ðîçäîáóäüêî Â.Â., ðîçãëÿíóâ ó â³äêðèòîìó ñóäîâîìó çàñ³äàíí³ </FONT></P>
<P class="ps0"><FONT class="fs112">ñïðàâó ¹ 910/8357/17</FONT></P>
<P class="ps0"><FONT class="fs111">çà ïîçîâîì</FONT><FONT class="fs171"> ïóáë³÷íîãî àêö³îíåðíîãî òîâàðèñòâà êîìåðö³éíîãî áàíêó «Ïðèâàòáàíê», ì.&nbsp; &nbsp;&nbsp;Äí³ïðî,</FONT></P>
<P class="ps0"><FONT class="fs110">äî </FONT><FONT class="fs170">òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÆÅÊÑÎÍ ÌÎÐÃÀÍ», ì. Êè¿â,</FONT></P>
<P class="ps0"><FONT class="fs109">ïðî</FONT><FONT class="fs169"> ñòÿãíåííÿ 33&nbsp; &nbsp;&nbsp;471,04 ãðí.,</FONT></P>
<P class="ps0"><FONT class="fs108">áåç ó÷àñò³ ïðåäñòàâíèê³â ó çâÿçêó ç ¿õ íåÿâêîþ.</FONT></P>
<P class="ps3"><FONT class="fs107">ÎÁÑÒÀÂÈÍÈ ÑÏÐÀÂÈ:</FONT></P>
<P class="ps1"><FONT class="fs168">Ïóáë³÷íå àêö³îíåðíå òîâàðèñòâî êîìåðö³éíèé áàíê «Ïðèâàòáàíê» (äàë³  Áàíê) çâåðíóëîñÿ äî Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà ç ïîçîâîì äî òîâàðèñòâà ç îáìåæåíîþ â³äïîâ³äàëüí³ñòþ «ÆÅÊÑÎÍ ÌÎÐÃÀÍ» (äàë³  Òîâàðèñòâî) ïðî ñòÿãíåííÿ ç â³äïîâ³äà÷à çà äîãîâîðîì áàíê³âñüêîãî îáñëóãîâóâàííÿ â³ä 06.08.2012 ¹&nbsp; &nbsp;&nbsp;á/í (äàë³  Äîãîâ³ð) îñíîâíî¿ çàáîðãîâàíîñò³ çà êðåäèòîì, ùî óòâîðèëàñÿ ó çâÿçêó ç íåíàëåæíèì âèêîíàííÿì Òîâàðèñòâîì óìîâ, â ñóì³ 7&nbsp; &nbsp;&nbsp;789,20&nbsp; &nbsp;&nbsp;ãðí.; çàáîðãîâàíîñò³ ïî ïðîöåíòàì çà êîðèñòóâàííÿ êðåäèòîì â ñóì³ 11&nbsp; &nbsp;&nbsp;976,19&nbsp; &nbsp;&nbsp;ãðí. òà ïåí³ çà íåñâîº÷àñíå âèêîíàííÿ çîáîâÿçàíü â ñóì³ 13&nbsp; &nbsp;&nbsp;705,65&nbsp; &nbsp;&nbsp;ãðí., à ðàçîì 33&nbsp; &nbsp;&nbsp;471,04&nbsp; &nbsp;&nbsp;ãðí.</FONT></P>
<P class="ps1"><FONT class="fs167">Óõâàëîþ Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà â³ä 25.05.2017 ïîðóøåíî ïðîâàäæåííÿ ó ñïðàâ³ òà ïðèçíà÷åíî ñóäîâèé ðîçãëÿä íà 13.06.2017.</FONT></P>
<P class="ps1"><FONT class="fs166">Óõâàëà Ãîñïîäàðñüêîãî ñóäó ì³ñòà Êèºâà áóëà íàä³ñëàíà ñòîðîíàì íà àäðåñè, çàçíà÷åí³ ó ïîçîâí³é çàÿâ³ òà ó ªäèíîìó äåðæàâíîìó ðåºñòð³ þðèäè÷íèõ îñ³á, ô³çè÷íèõ îñ³á-ï³äïðèºìö³â òà ãðîìàäñüêèõ ôîðìóâàíü, ùî òàêîæ ï³äòâåðäæóºòüñÿ â³äì³òêàìè êàíöåëÿð³¿ íà çâîðîò³ òàêî¿ óõâàëè òà ðåêîìåíäîâàíèì ïîâ³äîìëåííÿì.</FONT></P>
<P class="ps1"><FONT class="fs165">Êð³ì òîãî, äî ìàòåð³àë³â ñïðàâè äîëó÷åíî êîíâåðò ç êîï³ºþ óõâàëè ñóäó, ÿê³ ïîâåðíóò³ ç àäðåñè â³äïîâ³äà÷à ç â³äì³òêîþ ïîøòè «çà çàê³í÷åííÿì âñòàíîâëåíîãî ñòðîêó çáåð³ãàííÿ».</FONT></P>
<P class="ps1"><FONT class="fs164">Ó ï³äïóíêò³ 3.9.2 ïóíêòó 3.9 ïîñòàíîâè ïëåíóìó Âèùîãî ãîñïîäàðñüêîãî ñóäó Óêðà¿íè â³ä 26.12.2011 ¹ 18 «Ïðî äåÿê³ ïèòàííÿ ïðàêòèêè çàñòîñóâàííÿ Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè ñóäàìè ïåðøî¿ ³íñòàíö³¿» (äàë³  Ïîñòàíîâà ¹ 18) çàçíà÷åíî, ùî, 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. Îñîáè, ÿê³ áåðóòü ó÷àñòü ó ñïðàâ³, ââàæàþòüñÿ ïîâ³äîìëåíèìè ïðî ÷àñ ³ ì³ñöå ¿¿ ðîçãëÿäó ñóäîì, ÿêùî óõâàëó ïðî ïîðóøåííÿ ïðîâàäæåííÿ ó ñïðàâ³ íàä³ñëàíî çà ïîøòîâîþ àäðåñîþ, çàçíà÷åíîþ ó ïîçîâí³é çàÿâ³. Ó âèïàäêó íåçÿâëåííÿ â çàñ³äàííÿ 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="ps1"><FONT class="fs163">Ãîñïîäàðñüêèé ñóä âèçíàâ íàÿâí³ â ìàòåð³àëàõ ñïðàâè äîêóìåíòè äîñòàòí³ìè äëÿ âèð³øåííÿ ñïîðó òà â³äïîâ³äíî äî ñòàòò³ 75 Ãîñïîäàðñüêîãî ïðîöåñóàëüíîãî êîäåêñó Óêðà¿íè (äàë³ - ÃÏÊ Óêðà¿íè) ðîçãëÿíóâ ñïðàâó çà íàÿâíèìè â í³é ìàòåð³àëàìè.</FONT></P>
<P class="ps1"><FONT class="fs162">Ó ñóäîâîìó çàñ³äàíí³ 13.06.2017 áóëî îãîëîøåíî âñòóïíó òà ðåçîëþòèâíó ÷àñòèíè ð³øåííÿ, â³äïîâ³äíî äî ñòàòò³ 85 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps1"><FONT class="fs161">Ñóäîì, ó â³äïîâ³äíîñò³ äî âèìîã ñòàòò³ 81</FONT><FONT class="fs174">1</FONT><FONT class="fs160"> ÃÏÊ Óêðà¿íè, ñêëàäàâñÿ ïðîòîêîë ñóäîâîãî çàñ³äàííÿ, ÿêèé äîëó÷åíî äî ìàòåð³àë³â ñïðàâè.</FONT></P>
<P class="ps1"><FONT class="fs159">Ðîçãëÿíóâøè ïîäàí³ ïîçèâà÷åì äîêóìåíòè ³ ìàòåð³àëè, âñåá³÷íî ³ ïîâíî ç'ÿñóâàâøè 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, Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà</FONT></P>
<P class="ps3"><FONT class="fs106">ÂÑÒÀÍÎÂÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs158">Òîâàðèñòâî, ï³äïèñàâøè çàÿâó â³ä 06.08.2012 íà â³äêðèòòÿ ðàõóíêó â Áàíêó, ïðèºäíàëîñÿ ³ ïîãîäèëîñÿ ³ç óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, òàðèôàìè Áàíêó, ðîçì³ùåíèìè íà îô³ö³éíîìó ñàéò³ Áàíêó www.privatbank.ua (êîï³ÿ çàÿâè íàÿâíà â ìàòåð³àëàõ ñïðàâè).</FONT></P>
<P class="ps1"><FONT class="fs157">Òàêèì ÷èíîì, â³äïîâ³äíî äî Äîãîâîðó â³äïîâ³äà÷ó áóëî íàäàíî ïðàâî êîðèñòóâàòèñÿ ïîñëóãàìè Áàíêó, îäí³ºþ ç ÿêèõ º ïîñëóãà «Ãàðàíòîâàíèé ïëàò³æ», ÿêà ìîæå áóòè íàäàíà ÿê çà ðàõóíîê âëàñíèõ êîøò³â, òàê ³ çà ðàõóíîê êîøò³â Áàíêó, òîáòî â êðåäèò. </FONT></P>
<P class="ps1"><FONT class="fs155">Óìîâàìè Äîãîâîðó âñòàíîâëåíî:</FONT></P>
<P class="ps1"><FONT class="fs154">- êðåäèò íàäàºòüñÿ â îáì³í íà çîáîâ'ÿçàííÿ êë³ºíòà ùîäî éîãî ïîâåðíåííÿ, ñïëàòè ïðîöåíò³â ³ âèíàãîðîäè. Îáîâ'ÿçêîâèìè ðåêâ³çèòàìè çàÿâêè íà äîãîâ³ðíå ñïèñàííÿ 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 (ï³äïóíêò 3.2.2.1 ïóíêòó 3.2 Äîãîâîðó);</FONT></P>
<P class="ps1"><FONT class="fs153">- 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÷åíîãî â çàÿâö³ êë³ºíòà (ðîçì³ð âèíàãîðîäè ìîæå áóòè çìåíøåíî íà ðîçñóä Áàíêó â îäíîñòîðîííüîìó ïîðÿäêó). Âèíàãîðîäà çà íàäàííÿ ô³íàíñîâîãî ³íñòðóìåíòà ñïëà÷óºòüñÿ êë³ºíòîì ó äàòó íàäàííÿ â Áàíê 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&nbsp; &nbsp;&nbsp;(çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016), 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).&nbsp; &nbsp;&nbsp;&nbsp;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. 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 ema³l, sms -ïîâ³äîìëåííÿ íà îñòàíí³ â³äîì³ Áàíêó íîìåðà òåëåôîí³â/àäðåñè ema³l, 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. Ó âèïàäêó íå ïîãàøåííÿ çàáîðãîâàíîñò³ êë³ºíòîì ïî êðåäèòó â òåðì³í äî 30 äí³â âêëþ÷íî, íà 31-é äåíü - çàáîðãîâàí³ñòü çà êðåäèòîì ñòàº ïðîñòðî÷åíîþ. Ïðè öüîìó çà êîðèñòóâàííÿ êðåäèòîì êë³ºíò ñïëà÷óº â³äñîòêè â ðîçì³ð³ 56% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè äî 01.02.2016), ³ â³äñîòêè â ðîçì³ð³ 64% ð³÷íèõ â³ä ñóìè çàáîðãîâàíîñò³ (çà çàÿâêàìè, ³í³ö³éîâàíèìè ç 01.02.2016). Ïîçè÷àëüíèê çîáîâ'ÿçóºòüñÿ íåãàéíî ïåðåäàòè Áàíêó â çàñòàâó ìàéíîâ³ ïðàâà íà îäåðæàííÿ êîøò³â&nbsp; &nbsp;&nbsp;&nbsp;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. Çàçíà÷åíèé ó äàíîìó ïóíêò³ ñòðîê ìîæå áóòè çì³íåíèé çã³äíî óìîâ äàíîãî Äîãîâîðó. 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». Çã³äíî ç³ ñòàòòÿìè 212, 651 Öèâ³ëüíîãî êîäåêñó Óêðà¿íè (äàë³  ÖÊ 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 ema³l) 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. ²íø³ ³ñòîòí³ óìîâè êðåäèòóâàííÿ íàâåäåí³ â çàÿâö³. Â ðàç³ íåâèêîíàííÿ àáî íåíàëåæíîãî âèêîíàííÿ êë³ºíòîì, íà ÿêîãî ïîøèðþþòüñÿ ä³¿ ïóíêòó 3.2.2.13 (Ïðîãðàìà Êðåäèòí³ Êàí³êóëè) çîáîâ'ÿçàíü ïî ïîãàøåííþ çàáîðãîâàíîñò³ çà êðåäèòîì òà ïðè ðåàë³çàö³¿ ïðàâà Áàíêó íà âñòàíîâëåííÿ ³íøîãî ñòðîêó ïîâåðíåííÿ êîøò³â, ïåðåäáà÷åíîãî Óìîâàìè ³ ïðàâèëàìè íàäàííÿ áàíê³âñüêèõ ïîñëóã, êë³ºíò ïðîòÿãîì 3 äí³â ç äàòè âèíèêíåííÿ áóäü-ÿêî¿ çàáîðãîâàíîñò³ çà êðåäèòîì çîáîâ'ÿçóºòüñÿ íàäàòè Áàíêó çàáåçïå÷åííÿ øëÿõîì ïåðåðàõóâàííÿ ãðîøîâèõ êîøò³â â ðîçì³ð³ ïîòî÷íî¿ çàáîðãîâàíîñò³ íà ñâ³é ïîòî÷íèé ðàõóíîê, â³äêðèòèé â Áàíêó, äàë³ çàáåçïå÷åííÿ. Çà íåâèêîíàííÿ êë³ºíòîì çîáîâ'ÿçàíü ïî ïåðåðàõóâàííþ çàáåçïå÷åííÿ íà ïîòî÷íèé ðàõóíîê, êë³ºíò ñïëà÷óº Áàíêó çà êîæíèé ì³ñÿöü ïîðóøåííÿ øòðàô â ðîçì³ð³ çã³äíî òàðèô³â Áàíêó, ùî ä³ÿëè íà ìîìåíò ñïëàòè. Ïðè öüîìó â³äñîòêè çà êîðèñòóâàííÿ êðåäèòîì ³ êîì³ñ³ÿ íå íàðàõîâóþòüñÿ òà íå ñïëà÷óþòüñÿ (ï³äïóíêò 3.2.2.2 ïóíêòó 3.2 Äîãîâîðó);</FONT></P>
<P class="ps1"><FONT class="fs152">- Áàíê ìàº ïðàâî ïðè ïîðóøåíí³ êë³ºíòîì áóäü-ÿêîãî ³ çîáîâ'ÿçàíü, ïåðåäáà÷åíîãî Óìîâàìè, çì³íèòè óìîâè êðåäèòóâàííÿ-âèìàãàòè â³ä êë³ºíòà ñòðîêîâîãî ïîâåðíåííÿ êðåäèòó, ñïëàòè â³äñîòê³â çà éîãî êîðèñòóâàííÿ, âèêîíàííÿ ³íøèõ çîáîâÿçàíü çà êðåäèòîì â ïîâíîìó îáñÿç³ (ï³äïóíêò 3.2.2.7.5 ïóíêòó 3.2 Äîãîâîðó);</FONT></P>
<P class="ps1"><FONT class="fs151">- ñòðîêè ïîçîâíî¿ äàâíîñò³ çà âèìîãàìè ïðî ñòÿãíåííÿ êðåäèòó, â³äñîòê³â çà êîðèñòóâàííÿ êðåäèòîì, âèíàãîðîäè, íåóñòîéêè - ïåí³, øòðàô³â çà Äîãîâîðîì âñòàíîâëþþòüñÿ ñòîðîíàìè òðèâàë³ñòþ 15 ðîê³â (ï³äïóíêò 3.2.2.10.7 ïóíêòó 3.2 Äîãîâîðó).</FONT></P>
<P class="ps1"><FONT class="fs150">×àñòèíîþ ïåðøîþ ñòàòò³ 1054 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî 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="ps1"><FONT class="fs149">Çã³äíî ç³ ñòàòòåþ 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.</FONT></P>
<P class="ps1"><FONT class="fs148">Çà ïðèïèñàìè ñòàòò³ 525 ÖÊ Óêðà¿íè îäíîñòîðîííÿ â³äìîâà â³ä çîáîâÿçàííÿ àáî îäíîñòîðîííÿ çì³íà éîãî óìîâ íå äîïóñêàºòüñÿ, ÿêùî ³íøå íå âñòàíîâëåíî äîãîâîðîì àáî çàêîíîì. </FONT></P>
<P class="ps1"><FONT class="fs147">Ñòàòòåþ 629 ÖÊ Óêðà¿íè âñòàíîâëåíî, ùî äîãîâ³ð º îáîâÿçêîâèì äëÿ âèêîíàííÿ ñòîðîíàìè.</FONT></P>
<P class="ps1"><FONT class="fs146">×àñòèíîþ ïåðøîþ ñòàòò³ 530 ÖÊ Óêðà¿íè ïåðåäáà÷åíî, ùî ÿêùî ó çîáîâ'ÿçàíí³ âñòàíîâëåíèé ñòðîê (òåðì³í) éîãî âèêîíàííÿ, òî âîíî ï³äëÿãàº âèêîíàííþ ó öåé ñòðîê (òåðì³í).</FONT></P>
<P class="ps1"><FONT class="fs145">Ïîçèâà÷ âèêîíàâ ñâî¿ äîãîâ³ðí³ çîáîâÿçàííÿ, íàäàâøè â³äïîâ³äà÷ó êðåäèò, ùî ï³äòâåðäæóºòüñÿ âèïèñêîþ ç ðàõóíêó çà ïåð³îä ç 06.08.2012 ïî 16.11.2016 òà ìåìîð³àëüíèìè îðäåðàìè, êîï³¿ ÿêèõ ì³ñòÿòüñÿ â ìàòåð³àëàõ ñïðàâè.</FONT></P>
<P class="ps1"><FONT class="fs143">Â³äïîâ³äà÷ â³äïîâ³ä³ íà âêàçàíó ïðåòåíç³þ íå íàäàâ, ñóìó çàáîðãîâàíîñò³ â äîáðîâ³ëüíîìó ïîðÿäêó íå ñïëàòèâ, âíàñë³äîê ÷îãî ñòàíîì íà 20.02.2017 Òîâàðèñòâî ìàº çàáîðãîâàí³ñòü çà êðåäèòîì â ñóì³ 7&nbsp; &nbsp;&nbsp;789,20&nbsp; &nbsp;&nbsp;ãðí. (çà ïåð³îä ç 20.02.2014 ïî 20.02.2017).</FONT></P>
<P class="ps1"><FONT class="fs142">Â³äïîâ³äíî äî ñòàòò³ 610 ÖÊ Óêðà¿íè ïîðóøåííÿì çîáîâÿçàííÿ º éîãî íåâèêîíàííÿ àáî âèêîíàííÿ ç ïîðóøåííÿì óìîâ, âèçíà÷åíèõ çì³ñòîì çîáîâÿçàííÿ (íåíàëåæíå âèêîíàííÿ).</FONT></P>
<P class="ps1"><FONT class="fs141">Çã³äíî ç ÷àñòèíîþ äðóãîþ ñòàòò³ 193 Ãîñïîäàðñüêîãî êîäåêñó Óêðà¿íè (äàë³  ÃÊ Óêðà¿íè) êîæíà ñòîðîíà ïîâèííà âæèòè óñ³õ çàõîä³â, íåîáõ³äíèõ äëÿ íàëåæíîãî âèêîíàííÿ íåþ çîáîâ'ÿçàííÿ, âðàõîâóþ÷è ³íòåðåñè äðóãî¿ ñòîðîíè òà çàáåçïå÷åííÿ çàãàëüíîãîñïîäàðñüêîãî ³íòåðåñó. Ïîðóøåííÿ çîáîâ'ÿçàíü º ï³äñòàâîþ äëÿ çàñòîñóâàííÿ ãîñïîäàðñüêèõ ñàíêö³é, ïåðåäáà÷åíèõ öèì Êîäåêñîì, ³íøèìè çàêîíàìè àáî äîãîâîðîì.</FONT></P>
<P class="ps1"><FONT class="fs140">Ïåðåâ³ðèâøè çä³éñíåíèé ïîçèâà÷åì ðîçðàõóíîê çàáîðãîâàíîñò³ ç³ ñïëàòè ïðîöåíò³â çà êîðèñòóâàííÿì êðåäèòîì ó ñóì³ 11&nbsp; &nbsp;&nbsp;976,19 ãðí., Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ä³éøîâ âèñíîâêó ïðî òå, ùî ðîçðàõóíîê ïðàâèëüíèé òà ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs139">Ùî æ äî ñòÿãíåííÿ ïåí³, òî Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ââàæàº çà íåîáõ³äíå çàçíà÷èòè òàêå. </FONT></P>
<P class="ps1"><FONT class="fs138">Ó ÷àñòèí³ ïåðø³é ñòàòò³ 546 ÖÊ Óêðà¿íè çàçíà÷åíî, ùî âèêîíàííÿ çîáîâ'ÿçàííÿ ìîæå çàáåçïå÷óâàòèñÿ, çîêðåìà, íåóñòîéêîþ.</FONT></P>
<P class="ps1"><FONT class="fs137">Íåóñòîéêîþ (øòðàôîì, ïåíåþ) º ãðîøîâà ñóìà àáî ³íøå ìàéíî, ÿê³ áîðæíèê ïîâèíåí ïåðåäàòè êðåäèòîðîâ³ ó ðàç³ ïîðóøåííÿ áîðæíèêîì çîáîâ'ÿçàííÿ; øòðàôîì º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåâèêîíàíîãî àáî íåíàëåæíî âèêîíàíîãî çîáîâ'ÿçàííÿ; ïåíåþ º íåóñòîéêà, ùî îá÷èñëþºòüñÿ ó â³äñîòêàõ â³ä ñóìè íåñâîº÷àñíî âèêîíàíîãî ãðîøîâîãî çîáîâ'ÿçàííÿ çà êîæåí äåíü ïðîñòðî÷åííÿ âèêîíàííÿ (ñòàòòÿ 549 ÖÊ Óêðà¿íè).</FONT></P>
<P class="ps1"><FONT class="fs136">Çã³äíî ç ÷àñòèíîþ äðóãîþ ñòàòò³ 343 ÃÊ Óêðà¿íè ³ ñòàòòåþ 1 Çàêîíó Óêðà¿íè «Ïðî â³äïîâ³äàëüí³ñòü çà íåñâîº÷àñíå âèêîíàííÿ ãðîøîâèõ çîáîâ'ÿçàíü» ïëàòíèê ãðîøîâèõ êîøò³â ñïëà÷óº íà êîðèñòü îäåðæóâà÷à öèõ êîøò³â çà ïðîñòðî÷êó ïëàòåæó ïåíþ â ðîçì³ð³, ùî âñòàíîâëþºòüñÿ çà çãîäîþ ñòîð³í, àëå íå ìîæå ïåðåâèùóâàòè ïîäâ³éíî¿ îáë³êîâî¿ ñòàâêè ÍÁÓ, ùî ä³ÿëà ó ïåð³îä, çà ÿêèé ñïëà÷óºòüñÿ ïåíÿ.</FONT></P>
<P class="ps1"><FONT class="fs135">Íà ï³äñòàâ³ óìîâ Äîãîâîðó ïîçèâà÷åì íàðàõîâàíî ïåíþ ó ñóì³ 13&nbsp; &nbsp;&nbsp;705,65 ãðí. (ïåð³îä ç 17.11.2014 ïî 20.02.2017).</FONT></P>
<P class="ps1"><FONT class="fs134">Çà ïðèïèñîì ÷àñòèíè øîñòî¿ ñòàòò³ 232 ÃÊ 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="ps1"><FONT class="fs133">Òàê, ïåðåâ³ðèâøè çä³éñíåí³ ïîçèâà÷åì ðîçðàõóíêè ïåí³ Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà ä³éøîâ âèñíîâêó, ùî âîíè ïðàâèëüí³.</FONT></P>
<P class="ps1"><FONT class="fs132">Â³äïîâ³äíî äî ÷àñòèíè ïåðøî¿ ñòàòò³ 33 ÃÏÊ Óêðà¿íè êîæíà ³ç ñòîð³í ïîâèííà äîâåñòè ò³ îáñòàâèíè, íà ÿê³ âîíà ïîñèëàºòüñÿ ÿê íà ï³äñòàâè ñâî¿õ âèìîã ÷è çàïåðå÷åíü.</FONT></P>
<P class="ps1"><FONT class="fs131">Çã³äíî ç ñòàòòåþ 34 ÃÏÊ Óêðà¿íè ãîñïîäàðñüêèé ñóä ïðèéìàº ò³ëüêè ò³ äîêàçè, ÿê³ ìàþòü çíà÷åííÿ äëÿ ñïðàâè.</FONT></P>
<P class="ps1"><FONT class="fs130">Îáñòàâèíè ñïðàâè, ÿê³ â³äïîâ³äíî äî çàêîíîäàâñòâà ïîâèíí³ áóòè ï³äòâåðäæåí³ ïåâíèìè çàñîáàìè äîêàçóâàííÿ, íå ìîæóòü ï³äòâåðäæóâàòèñü ³íøèìè çàñîáàìè äîêàçóâàííÿ.</FONT></P>
<P class="ps1"><FONT class="fs129">Â³äïîâ³äíî äî ïóíêòó 2.3 Ïîñòàíîâè ¹ 18 ÿêùî ñòîðîíîþ (àáî ³íøèì ó÷àñíèêîì ñóäîâîãî ïðîöåñó) ó âèð³øåíí³ ñïîðó íå ïîäàíî ñóäó â îá´ðóíòóâàííÿ ¿¿ âèìîã àáî çàïåðå÷åíü íàëåæí³ ³ äîïóñòèì³ äîêàçè, â òîìó ÷èñë³ íà âèìîãó ñóäó, àáî ÿêùî â ðàç³ íåìîæëèâîñò³ ñàìîñò³éíî íàäàòè äîêàçè íåþ íå ïîäàâàëîñÿ êëîïîòàííÿ ïðî âèòðåáóâàííÿ ¿õ ñóäîì (÷àñòèíà ïåðøà ñòàòò³ 38 ÃÏÊ Óêðà¿íè), òî ðîçãëÿä ñïðàâè ãîñïîäàðñüêèì ñóäîì ìîæå çä³éñíþâàòèñÿ âèêëþ÷íî çà íàÿâíèìè ó ñïðàâ³ äîêàçàìè, ³ â òàêîìó ðàç³ ó ñóäó âèùî¿ ³íñòàíö³¿ â³äñóòí³ ï³äñòàâè äëÿ ñêàñóâàííÿ ñóäîâîãî ð³øåííÿ ç ìîòèâ³â íåïîâíîãî ç'ÿñóâàííÿ ì³ñöåâèì ãîñïîäàðñüêèì ñóäîì îáñòàâèí ñïðàâè; êð³ì òîãî, íåïîäàííÿ ïîçèâà÷åì âèòðåáóâàíèõ ãîñïîäàðñüêèì ñóäîì ìàòåð³àë³â, íåîáõ³äíèõ äëÿ âèð³øåííÿ ñïîðó, òÿãíå çà ñîáîþ ïðàâîâ³ íàñë³äêè ó âèãëÿä³ çàëèøåííÿ ïîçîâó áåç ðîçãëÿäó íà ï³äñòàâ³ ïóíêòó 5 ÷àñòèíè ïåðøî¿ ñòàòò³ 81 ÃÏÊ Óêðà¿íè.</FONT></P>
<P class="ps1"><FONT class="fs128">Â³äïîâ³äà÷ íå ïîäàâ ñóäó íàëåæíèõ òà äîïóñòèìèõ äîêàç³â, ÿê³ á ñïðîñòîâóâàëè äîâîäè ïîçèâà÷à òà ï³äòâåðäæóâàëè çàïåðå÷åííÿ ïðîòè çàäîâîëåííÿ ïîçîâíèõ âèìîã.</FONT></P>
<P class="ps1"><FONT class="fs127">Çà òàêèõ îáñòàâèí, ïîçîâ âèçíàºòüñÿ ñóäîì äîâåäåíèì, îá´ðóíòîâàíèì, òà òàêèì, ùî ï³äëÿãàº çàäîâîëåííþ.</FONT></P>
<P class="ps1"><FONT class="fs126">Çà ïðèïèñàìè ñòàòò³ 49 ÃÏÊ Óêðà¿íè ñóäîâ³ âèòðàòè ç³ ñïðàâè ñë³ä ïîêëàñòè íà â³äïîâ³äà÷à.</FONT></P>
<P class="ps1"><FONT class="fs125">Êåðóþ÷èñü ñòàòòÿìè 43, 49, 75, 82  85 ÃÏÊ Óêðà¿íè, Ãîñïîäàðñüêèé ñóä ì³ñòà Êèºâà</FONT></P>
<P class="ps3"><FONT class="fs105">ÂÈÐ²ØÈÂ:</FONT></P>
<P class="ps1"><FONT class="fs124">1. Ïîçîâ çàäîâîëüíèòè ïîâí³ñòþ.</FONT></P>
<P class="ps1"><FONT class="fs122">3. Ï³ñëÿ íàáðàííÿ ð³øåííÿì çàêîííî¿ ñèëè âèäàòè â³äïîâ³äíèé íàêàç.</FONT></P>
<P class="ps1"><FONT class="fs121">Â³äïîâ³äíî äî ÷àñòèíè ïÿòî¿ ñòàòò³ 85 ÃÏÊ Óêðà¿íè 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="ps1"><FONT class="fs120">Ð³øåííÿ ìîæå áóòè îñêàðæåíî ïðîòÿãîì äåñÿòè äí³â ç äíÿ ï³äïèñàííÿ ïîâíîãî ð³øåííÿ øëÿõîì ïîäà÷³ àïåëÿö³éíî¿ ñêàðãè äî ì³ñöåâîãî ãîñïîäàðñüêîãî ñóäó.</FONT></P>
<P class="ps1"><FONT class="fs119">Â³äïîâ³äíî äî ñòàòò³ 87 ÃÏÊ Óêðà¿íè ïîâíå ð³øåííÿ òà óõâàëè íàäñèëàþòüñÿ ñòîðîíàì, ïðîêóðîðó, òðåò³ì îñîáàì, ÿê³ áðàëè ó÷àñòü â ñóäîâîìó ïðîöåñ³, àëå íå áóëè ïðèñóòí³ ó ñóäîâîìó çàñ³äàíí³, ðåêîìåíäîâàíèì ëèñòîì ç ïîâ³äîìëåííÿì ïðî âðó÷åííÿ íå ï³çí³øå òðüîõ äí³â ç äíÿ ¿õ ïðèéíÿòòÿ àáî çà ¿õ çâåðíåííÿì âðó÷àþòüñÿ ¿ì ï³ä ðîçïèñêó áåçïîñåðåäíüî ó ñóä³.</FONT></P>
<P class="ps1"><FONT class="fs118">Ïîâíå ð³øåííÿ ñêëàäåíî 15.06.2017.</FONT></P>
<P><FONT class="fs104">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;².Ä. Êóðäåëü÷óê </FONT></P>