Решение по делу № 2-631/2013 ~ М-700/2013 от 22.08.2013

Гражданское дело № 2-631/2013

РЕШЕНИЕ

(Заочное)

Именем Российской Федерации

10 октября 2013 года                                 а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

с участием представителя истца - ОАО «Россельхозбанк», в лице Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» Сикалиевой И.М. (доверенность __№__ от 27,05,2013 года),

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль к Эльбуздукаевой Д.Х., Эдиевой Х.Х и Эльбуздукаевой Э.Ш-Х о взыскании задолженности по кредитному договору,

УСТАНОВИЛ:

Открытое Акционерное Общество «Российский Сельскохозяйственный банк» Карачаево-Черкесский филиал обратилось в Адыге -Хабльский районный суд с исковым заявлением к Эльбуздукаевой Д.Х., Эдиевой Х.Х. и Эльбуздукаевой Э.Ш-Х о взыскании задолженности по кредитному договору. Свои требования Общество обосновало тем, что 14,04,2011 года между ОАО «Россельхозбанк» (далее - Кредитор) и гражданкой Эльбуздукаевой Д.Х. (далее - Заемщик) заключен Кредитный договор № __№__.

В силу Кредитного договора Заемщик принял на себя обязательство возвратить ОАО «Россельхозбанк» в лице Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты> % годовых (п.п. 1.2., 1.3. Кредитного договора).

Согласно п. 3.1. Кредитного договора выдача кредита производится перечислением средств на текущий счет Заемщика. Конкретной датой выдачи кредита является дата возникновения задолженности на ссудном счете Заемщика (п. 3.3 Кредитного договора).

Кредитор выполнил свои обязательства, предоставив кредит Заемщику, что подтверждается банковским ордером __№__ от 19,04,2011 года и соответствующей выпиской из лицевого счета за 19,04,2011 года.

Согласно п. 4.1. Кредитного договора проценты за пользование кредитом начисляются по формуле простых процентов на остаток задолженности по кредиту, отражаемый на ссудном счете Заемщика на начало операционного дня в соответствии с расчетной базой, в которой количество дней в году и количество дней в месяце - количество фактических дней.

В соответствии со ст.ст. 309, 310 ГК РФ обязательства должны исполняться в соответствии с условиями договора и требованиями закона. Одностороннее изменение обязательств или отказ от них не допустим, если иное не установлено законом или не вытекает из условий договора.

График погашения кредита установлен Приложением 1 к Кредитному договору и является его неотъемлемой частью (п.4.2.1). По состоянию на ДД.ММ.ГГГГ Должник не погасил часть основного долга и проценты в размере <данные изъяты> руб. 27 коп., что подтверждается выписками по лицевым счетам должника от 10 августа 2012 и 12 августа 2013 год.

Письмом Должнику сообщено о необходимости погашения текущей задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, Кредитором был соблюден досудебный порядок урегулирования спора. В обеспечение Кредитного договора __№__ между ОАО «Россельхозбанк» и гражданами:

Эдиевой Х.Х. (договор поручительства № __№__);

Эльбуздукаевой Э.Ш-Х (договор поручительства № <данные изъяты>);

были заключены договоры поручительства от 14 апреля 2011 года. Поручители также были уведомлены о задолженности. Указанные претензии была оставлены без ответа и исполнения.

В соответствии со ст. 363 ГК РФ поручитель отвечает перед кредитором в том же объеме, как и должник, включая уплату процентов, возмещение судебных издержек по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, если иное не предусмотрено договором поручительства.

В соответствии с п. 1 ст. 323 ГК РФ при солидарной обязанности должников кредитор вправе требовать исполнения как от всех должников совместно, так и от любого из них в отдельности, при том, как полностью, так и в части долга.

В связи с неисполнением обязательства по кредитному договору Кредитор считает правомерным потребовать от Эльбуздукаевой Д.Х., Эдиевой Х.Х. и Эльбуздукаевой Э.Ш-Х солидарной уплаты части задолженности, по состоянию на 13 августа 2013 года в размере <данные изъяты> руб. 27 коп., из которых: просроченный основной долг-     <данные изъяты> руб. 71 коп.., срочные проценты - <данные изъяты> руб. 63 коп просроченные проценты за пользование кредитом - <данные изъяты> руб.

На основании изложенного ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в а. Адыге-Хабль просил суд взыскать солидарно с Эльбуздукаевой Д.Х., проживающей по адресу : КЧР, <адрес>, <адрес> <адрес>; Эдиевой Х.Х, проживающей по адресу : КЧР, <адрес>, <адрес> <адрес>; Эльбуздукаевой Э.Ш-Х, проживающей по адресу : КЧР, <адрес> в пользу ОАО «Россельхозбанк» в лице Карачаево-Черкесского РФ ОАО «Россельхозбанк» текущую задолженность в размере <данные изъяты>) рублей 27 копеек, из которых: просроченный основной долг-     <данные изъяты>) руб. 71 копеек, срочные проценты - <данные изъяты> рублей 63 копеек, просроченные проценты -<данные изъяты>) руб. 93 копеек. А также расходы по оплате государственной пошлины -      <данные изъяты>) руб. 93 копеек..

         В судебном заседании, представитель истца - ОАО «Росселхозбанк» (далее Банк») Сикалиева И.М. требования, изложенные в исковом заявлении подержала в полном объеме и просила суд удовлетворить их в полном объеме.

        Ответчики Эльбуздукаева Д.Х., Эдиева Х.Х. и Эльбуздукаева Э.Ш-Х. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещения с личными подписями о получении от 18 сентября 2013 года Эдиевой Х.Х., от 17 сентября 2013 Эльбуздукаевой Э.Ш-Х., от 4 октября 2013 года Эльбуздукаевой Э.Ш-Х и Эдиевой Х.Х. А также вернувшиеся с отметкой об истечении срока хранения почтовые отправления №__№__ и __№__ для Эльбуздукаевой Д.Х. Согласно положениям статьи 113 ГПК РФ лица, участвующие в деле, извещаются или вызываются в суд заказным письмом с уведомлением о вручении или судебной повесткой с уведомлением о вручении либо с использованием иных средств связи и доставки, обеспечивающих фиксирование судебного извещения или вызова и его вручение адресату.

В соответствии с ч. 4 ст. 116 ГПК РФ в случае, если неизвестно место пребывания адресата, об этом делается отметка на подлежащей вручению судебной повестке с указанием даты и времени совершенного действия, а также источника информации.

Согласно ст. 119 ГПК РФ при неизвестности места пребывания ответчика суд приступает к рассмотрению дела после поступления сведений об этом с последнего известного места жительства ответчика. Между тем, ответчики о причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, что в силу ст. 233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. При этом представитель истца не возражал против рассмотрения дела в отсутствие ответчиков.         В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

        Выслушав представителя истца, изучив материалы дела, суд считает иск подлежащим удовлетворению по следующим основаниям:

         В соответствии с пунктом 1 статьи 819 ГК РФ по кредитному договору банк или иная кредитная организация (кредитор) обязуются предоставить денежные средства (кредит) заемщику в размере и на условиях, предусмотренных договором, а заемщик обязуется возвратить полученную денежную сумму и уплатить проценты на нее.

Как установлено в судебном заседании, ДД.ММ.ГГГГ между Открытым Акционерным Обществом «Российский сельскохозяйственный банк» и гражданкой Эльбуздукаевой Д.Х. заключен Кредитный договор №__№__, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица № __№__ 14,04,2011 года, заключенного между ОАО «Россельхозбанк» (представительство в а. Адыге-Хабль) (Кредитор) и Эдиевой Х.Х. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Эльбуздукаевой Д.Х. своих обязательств по кредитному договору № __№__;

Договором поручительства физического лица __№__ от 14,04,2011 года, заключенного между ОАО «Россельхозбанк» (представительство в а. Адыге-Хабль) (Кредитор) и Эльбуздукаевой Э.Ш-Х (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Эльбуздукаевой Д.Х. своих обязательств по кредитному договору № __№__.

Банковским ордером __№__ от 19,04,2011 года., согласно которому на лицевой счет __№__ Эльбуздукаевой Д.Х. переведено по кредитному договору __№__ от 14,04,2011 г. под <данные изъяты> % годовых <данные изъяты>) рублей.

Сделка по заключению между сторонами кредитного договора в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

В соответствии с пунктом 1 ст. 160 ГК РФ двухсторонняя сделка может совершаться способами, установленными пунктами 2 и 3 статьи 434 ГК РФ.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

В соответствии с пунктами 2 и 3 статьи 434 ГК РФ договор в письменной форме может быть заключен путем составления одного документа, подписанного сторонами, а также путем обмена документами посредством почтовой, телеграфной, телетайпной, телефонной, электронной или иной связи, позволяющей достоверно установить, что документ исходит от стороны по договору. Письменная форма договора считается соблюденной, если письменное предложение заключить договор принято в порядке, предусмотренном пунктом 3 статьи 438 настоящего Кодекса.

В соответствии с вышеуказанным кредитным договором и договорами поручительства, ответчики Эльбуздукаева Д.Х., Эдиева Х.Х. и Эльбуздукаева Э.Ш-Х. подписав указанные документы ДД.ММ.ГГГГ, согласились с тем, что приняли на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты> рублей, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты> % годовых (п.п. 1.2., 1.3. Кредитного договора). В соответствии с п. 4.2.1 Кредитного договора Ответчик (Эльбуздукаева Д.Х..) обязались осуществлять погашение Кредита (основного долга) равными долями одновременно с уплатой процентов за пользование Кредитом в соответствии с Графиком погашения Кредита (основного долга). Однако свои обязательства Ответчиками не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету от 10 августа 2012 года и 12 августа 2013 года. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчиками несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на ДД.ММ.ГГГГ у Эльбуздукаевой Д.Х. образовалась задолженность в сумме <данные изъяты>) рублей 27 копеек.

Внутренними почтовыми отправлениями № 135 от 06,08,2013 года ответчики уведомлены об образовавшейся у них задолженности по погашению Кредита. Указанные требования оставлены без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «Россельхозбанк» был соблюден досудебный порядок урегулирования спора.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный, считается заключенным с момента передачи денег или других вещей и данный факт сторонами подтвержден.

Согласно пункту 1 ст. 810 ГК РФ заемщик обязан возвратить займодавцу полученную сумму займа в срок и порядке, которые предусмотрены договором займа. В силу статьи 309 ГК РФ обязательства должны исполняться надлежащим образом в соответствии с условиями обязательства и требованиями закона, иных правовых актов, а при отсутствии таких условий и требований - в соответствии с обычаями делового оборота или иными обычно предъявляемыми требованиями. При этом в соответствии со ст. 314 ГК РФ, если обязательство предусматривает или позволяет определить день его исполнения или период времени, в течение которого оно должно быть исполнено, обязательство подлежит исполнению в этот день или, соответственно в любой момент в пределах такого периода.

Однако, ответчик Эльбуздукаева Д.Х. свое обязательство по погашению кредита не выполнила. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст. 361 Гражданского кодекса РФ, по договору поручительства поручитель обязывается перед кредитором другого лица отвечать за исполнение последним его обязательств полностью или в части.

В соответствии с ч. 2 ст. 363 Гражданского процессуального кодекса РФ, поручитель отвечает перед кредитором в том же объеме, как и должник, в том числе возмещает судебные издержки по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, что также предусмотрено п.п. 2.1, 2.2 договоров поручительства __№__ и __№__ от ДД.ММ.ГГГГ.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать солидарно с Эльбуздукаевой Д.Х., Эдиевой Х.Х. и Эльбуздукаевой Э.Ш-Х. в пользу ОАО «Россельхозбанк» <данные изъяты>) рублей 27 копеек, из которых: просроченный основной долг-     <данные изъяты>) руб. 71 копеек, срочные проценты - 21 <данные изъяты> рублей 63 копеек, просроченные проценты -<данные изъяты>) руб. 93 копеек.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» расходов по уплате государственной пошлины в размере -      <данные изъяты> руб. 93 копеек, оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст. 98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

На основании изложенного, руководствуясь ст. ст. 98, 194-199, 233-235, 237 ГПК РФ, 807,809,810,819 ГК РФ, суд

РЕШИЛ:

Исковые требования Открытого Акционерного Общества «Российский Сельскохозяйственный банк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в а. Адыге-Хабль к Эльбуздукаевой Д.Х., Эдиевой Х.Х и Эльбуздукаевой Э.Ш-Х о взыскании задолженности по кредитному договору - удовлетворить.

Взыскать СОЛИДАРНО с Эльбуздукаевой Д.Х., ДД.ММ.ГГГГ года рождения, уроженки села <адрес> ЧИАССР, зарегистрированной по адресу: КЧР, <адрес>, Эдиевой Х.Х, ДД.ММ.ГГГГ года рождения, уроженки села <адрес> ЧИАССР, зарегистрированной по адресу: КЧР, <адрес>, <адрес>, Эльбуздукаевой Э.Ш-Х, ДД.ММ.ГГГГ года рождения, уроженки <адрес>, <адрес>, зарегистрированной по адресу: КЧР, <адрес>, <адрес> в пользу ОАО «Россельхозбанк» в лице Карачаево-Черкесского РФ ОАО «Россельхозбанк» текущую задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ, в размере <данные изъяты> рублей 27 копеек, из которых: просроченный основной долг-     <данные изъяты>) руб. 71 копеек, срочные проценты - <данные изъяты>) рублей 63 копеек, просроченные проценты -<данные изъяты>) руб. 93 копеек.

Взыскать СОЛИДАРНО с Эльбуздукаевой Д.Х., ДД.ММ.ГГГГ года рождения, уроженки села <адрес> ЧИАССР, зарегистрированной по адресу: КЧР, <адрес>, <адрес>, Эдиевой Х.Х, ДД.ММ.ГГГГ года рождения, уроженки села <адрес> ЧИАССР, зарегистрированной по адресу: КЧР, <адрес>, Эльбуздукаевой Э.Ш-Х, ДД.ММ.ГГГГ года рождения, уроженки <адрес>, <адрес>, зарегистрированной по адресу: КЧР, <адрес> в пользу Открытого Акционерного Общества «Российский Сельскохозяйственный банк» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) руб. 93 копеек.

Ответчики вправе подать в Адыге-Хабльский районный суд заявление об отмене настоящего решения в течение семи дней со дня получения копии этого решения.

Решение может быть обжаловано сторонами в апелляционном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в течение месяца по истечении срока подачи ответчиком заявления об отмене настоящего решения, а в случае, если такое заявление ответчиком будет подано, в течение месяца, со дня вынесения определения суда об отказе в удовлетворении этого заявления.

Председательствующий по делу     

Судья Адыге-Хабльского районного суда Косов Ю.А.