Решение по делу № 2-318/2015 ~ М-352/2015 от 05.05.2015

                                                                                                         Гражданское дело №2-318/2015

Заочное решение Именем Российской Федерации

17 июня 2015 года                                                                         аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики

в составе:

председательствующего судьи Туаршева Я.А.,

при секретаре Мырзаевой А.С.,

рассмотрев в открытом судебном заседании в помещении суда гражданское дело по исковому заявлению Общества с ограниченной ответственностью «ХКэФБ» в лице Закрытого акционерного общества ЧОП «Специализированное Агентство Аналитики и Безопасности» к Эльбуздукаеву А.Ш-Х. о взыскании долга по договору о предоставлении кредитов,

установил:

Общество с ограниченной ответственностью «ХКэФБ» в лице Закрытого акционерного общества ЧОП «Специализированное Агентство Аналитики и Безопасности» обратился в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Эльбуздукаеву А.Ш-Х. о взыскании долга по договору о предоставлении кредитов. Свои требования обосновал тем, что ДД.ММ.ГГГГ Общество с ограниченной ответственностью «ХКэФБ» и Эльбуздукаев А.Ш-Х. заключили договор о предоставлении кредита и ведении банковского счета __№__ в соответствии с которым истец предоставил денежные средства в размере <данные изъяты> сроком на <данные изъяты>, а ответчик обязался возвратить полученный кредит и уплатить на него проценты в порядке и на условиях, установленных договором. Проставлением своей подписи в договоре Эльбуздукаев А.Ш-Х. подтвердил, что им до заключения договора получена достоверная и полная информация о предоставляемых ему в рамках договора услугах, включая условия получения кредита, тарифы банка, сумму и условия возврата задолженности по договору, а так же то, что он согласен со всеми положениями договора и обязуется их выполнять.

Согласно выписки, справки по расчету, расходному кассовому ордеру, заявлению на перевод денежных средств, кассовому чеку о переводе денежных средств Общество с ограниченной ответственностью «ХКэФБ» надлежащим образом выполнил свои обязательства по предоставлению кредита.

В соответствии с условиями договора Эльбуздукаев А.Ш-Х. принял на себя обязательство по погашению задолженности путем выплаты ежемесячных платежей, включающих в себя сумму процентов за пользование кредитом в течение процентного периода, сумму комиссий за предоставление кредита, за направление извещений, которые согласно договору (дополнительным соглашением к нему погашаются в составе ежемесячных платежей, часть суммы кредита, возвращаемую в каждый процентный период. Кроме того, каждый раз при образовании просроченной задолженности, банк вправе потребовать уплаты штрафа (неустойки, пени) в размере и порядке, установленном тарифами банка. По условиям договора в целях обеспечения исполнения Эльбуздукаевым А.Ш-Х. обязательств по договору, банк имеет право на взыскание неустойки на основании ст.329 и 330 ГК РФ в размерах и порядке, установленных тарифами банка.

В настоящее время Эльбуздукаев А.Ш-Х. не исполняет надлежащим образом, принятые на себя обязательства по договору: ежемесячные платежи по кредиту не вносит, проценты за пользование денежными средствами и иную задолженность по кредиту не уплачивает, это привело к начислению штрафов и выставлению требования о полном погашении задолженности, в соответствии с условиями договора и ст.811 ГК РФ. До настоящего времени данное требование Эльбуздукаевым А.Ш-Х. не выполнено. По состоянию на ДД.ММ.ГГГГ задолженность по договору составляет <данные изъяты>, в том числе: размер задолженности по оплате основного долга - <данные изъяты>, размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>, размер комиссии <данные изъяты> и размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору <данные изъяты>.

Просит суд взыскать с Эльбуздукаева А.Ш-Х. в пользу Общества с ограниченной ответственностью «ХКэФБ» денежные средства в размере задолженности по договору о предоставлении кредитов в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ в сумме <данные изъяты>, в том числе: размер задолженности по оплате основного долга - <данные изъяты>, размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>, размер комиссии 00 (ноль) рублей 00 копеек и размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору <данные изъяты>, а так же взыскать с Эльбуздукаева А.Ш-Х. в пользу Общество с ограниченной ответственностью «ХКэФБ» расходы по уплате государственной пошлины за рассмотрение искового заявления в размере <данные изъяты>.      

Представитель истца - Общества с ограниченной ответственностью «ХКэФБ» в судебное заседание не явился. В своем заявлении представитель Общества с ограниченной ответственностью «ХКэФБ» по доверенности __№__ от ДД.ММ.ГГГГ просил рассмотреть данное гражданское дело в отсутствие их представителя, и в порядке заочного производства в случае отсутствия ответчика. В соответствии с ч.5 ст.167 ГПК РФ, суд считает возможным рассмотреть дело в отсутствии представителя истца.

Ответчик Эльбуздукаев А.Ш-Х. в судебное заседание не явился, хотя был надлежащим образом извещен о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещения. О причинах неявки суд не уведомил, доказательств уважительности неявки не представил, об отложении судебного разбирательства не просил. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчика, что в силу ст.233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. При этом, представитель истца Нефедова Л.Ю. в заявлении просит в случае неявки в судебное заседание ответчика, извещенного о времени и месте судебного заседания, не сообщившего об уважительных причинах неявки и не просившего о рассмотрении дела в его отсутствие, рассмотреть указанное дело в порядке заочного производства. В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

Исследовав материалы дела, суд приходит к выводу о необходимости удовлетворения исковых требований.

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 Общество с ограниченной ответственностью «ХКэФБ» и Эльбуздукаев А.Ш-Х. заключили договор о предоставлении кредита и ведении банковского счета __№__ в соответствии с которым истец предоставил денежные средства в размере <данные изъяты> сроком на <данные изъяты>, а ответчик обязался возвратить полученный кредит и уплатить на него проценты в порядке и на условиях, установленных договором. Проставлением своей подписи в договоре Эльбуздукаев А.Ш-Х. подтвердил, что им до заключения договора получена достоверная и полная информация о предоставляемых ему в рамках договора услугах, включая условия получения кредита, тарифы банка, сумму и условия возврата задолженности по договору, а так же то, что он согласен со всеми положениями договора и обязуется их выполнять.

Согласно выписки, справки по расчету, расходному кассовому ордеру, заявлению на перевод денежных средств, кассовому чеку о переводе денежных средств Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» надлежащим образом выполнил свои обязательства по предоставлению кредита. Данная сделка 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 данном случае, на основании договора о предоставлении кредита и ведении банковского счета __№__ Общество с ограниченной ответственностью «ХКэФБ» предоставило ответчику Эльбуздукаеву А.Ш-Х. денежные средства в размере <данные изъяты> сроком на <данные изъяты> с зачислением на текущий счет.

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

Условия кредита следующие: сумма предоставленного кредита - <данные изъяты>; сумма ежемесячной выплаты - <данные изъяты>; дата перечисления суммы кредита на текущий счет - ДД.ММ.ГГГГ; дата осуществления первого платежа в погашение кредита - ДД.ММ.ГГГГ; дата осуществления ежемесячного платежа в погашение кредита - <данные изъяты> каждого месяца; срок кредита - <данные изъяты>; процентная ставка - <данные изъяты> годовых. Ответчик Эльбуздукаев А.Ш-Х. принял на себя вышеуказанные обязательства.

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 Эльбуздукаев А.Ш-Х. свое обязательство по погашению кредита не выполнил. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

По состоянию на ДД.ММ.ГГГГ задолженность ответчика Эльбуздукаева А.Ш-Х. перед Обществом с ограниченной ответственностью «ХКэФБ» составляет <данные изъяты>, в том числе: размер задолженности по оплате основного долга - <данные изъяты>, размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>, размер комиссии <данные изъяты> и размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору <данные изъяты>. Суд соглашается с представленным истцом расчетом по взысканию задолженности по данному кредитному договору.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать с ответчика вышеуказанную сумму в полном объеме.

В части взыскания с ответчика Эльбуздукаева А.Ш-Х. в пользу Обществом с ограниченной ответственностью «ХКэФБ» расходов по уплате государственной пошлины за рассмотрение искового заявления в размере <данные изъяты>, 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 Общества с ограниченной ответственностью «ХКэФБ» в лице Закрытого акционерного общества ЧОП «Специализированное Агентство Аналитики и Безопасности» к Эльбуздукаеву А.Ш-Х. о взыскании долга по договору о предоставлении кредитов удовлетворить.

Взыскать с Эльбуздукаева А.Ш-Х., ДД.ММ.ГГГГ рождения, уроженца <адрес>, проживающего по адресу: <адрес> в пользу Общества с ограниченной ответственностью «ХКэФБ» денежные средства в размере задолженности по договору о предоставлении кредитов в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ в сумме <данные изъяты>, в том числе: размер задолженности по оплате основного долга - <данные изъяты>, размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>, размер комиссии <данные изъяты> и размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору <данные изъяты>

Взыскать с Эльбуздукаева А.Ш-Х., ДД.ММ.ГГГГ рождения, уроженца <адрес>, проживающего по адресу: <адрес> в пользу Общества с ограниченной ответственностью «ХКэФБ» расходы по уплате государственной пошлины за рассмотрение искового заявления в размере <данные изъяты>

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

Заочное 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.

Федеральный судья

Адыге-Хабльского районного суда КЧР      Туаршев Я.А.