Решение по делу № 2-151/2014 ~ М-99/2014 от 20.01.2014

Гражданское дело № 2-151/2014

РЕШЕНИЕ

(Заочное)

Именем Российской Федерации

10 марта 2014 года                                 а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» к Абдулкадырову Р.С. о взыскании денежных средств,

УСТАНОВИЛ:

Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Абдулкадырову Р.С. о взыскании денежных средств. Свои требования обосновало тем, что ДД.ММ.ГГГГ Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» и Абдулкадыров р.С. заключили Договор о предоставлении кредита в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ, в соответствии с которым истец предоставил денежные средства в размере <данные изъяты> руб. сроком на 24 месяца, а ответчик обязался возвратить полученный кредит и уплатить на него проценты в порядке и на условиях, установленных договором. Согласно выписке, справке по счету, расходному кассовому ордеру, заявлению на перевод денежных средств, кассовому чеку о переводе денежных средств истец надлежащим образом выполнил свои обязательства по предоставлению кредита. В соответствии с условиями договора ответчик принял на себя обязательство по погашению задолженности, путем выплаты ежемесячных платежей, включающих в себя сумму процентов за пользование кредитом в течении процентного периода, сумму комиссий за предоставление кредита, которые согласно договора погашаются в составе ежемесячных платежей. Кроме того, каждый раз при образовании просроченной задолженности Банк вправе потребовать уплаты штрафа в размере и порядке, установленном тарифами Банка. В настоящее время Абдулкадыров Р.С. не исполняет надлежащим образом, принятые на себя обязательства по договору: ежемесячные платежи по кредиту не уплачивает, это привело к начислению штрафов и выставлению требования о полном погашении задолженности. До настоящего времени данное требование ответчиком не исполнено. По состоянию на ДД.ММ.ГГГГ задолженность по договору составляет <данные изъяты> руб. <данные изъяты> ), в том числе : - размер задолженности по оплате основного долга - <данные изъяты>) руб. 36 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты> <данные изъяты>) руб. 79 коп.; - размер комиссий за направление извещений с информацией по кредиту - <данные изъяты>) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб.; - размер убытков банка (неуплаченных процентов) - <данные изъяты> тридцать один) руб. 78 коп. До подачи искового заявления банк обратился к мировому судье с заявлением о выдаче судебного приказа, при этом за подачу заявления Банком была уплачена государственная пошлина в размере <данные изъяты> рублей. По мнению банка убытки в виде уплаченной государственной пошлины за выдачу судебного приказа подлежат взысканию с ответчика. На основании изложенного Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» просило суд взыскать с Абдулкадырова Р.С. в свою пользу денежные средства в размере задолженности по договору о предоставлении кредита 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>) руб. 36 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>) руб. 79 коп.; - размер комиссий за направление извещений с информацией по кредиту - <данные изъяты>) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб.; - размер убытков банка (неуплаченных процентов) - <данные изъяты>) руб. 78 коп. Взыскать с Абдулкадырова Р.С. в пользу ООО «Хоум Крелдит энд Финанс Банк» убытки в размере произведенных расходов по уплате государственной пошлины при подаче заявления о выдаче судебного приказа в сумме <данные изъяты>) руб. 23 копейки. Взыскать с Абдулкадырова Р.С. в пользу ООО «Хоум Крелдит энд Финанс Банк» убытки в размере произведенных расходов по уплате государственной пошлины за рассмотрение искового заявления в размере <данные изъяты>) руб. 48 копеек. Рассмотреть данное гражданское дело без участия представителя истца, в случае отсутствия ответчика в порядке заочного производства с высылкой копий решения и исполнительный лист в адрес истца.     

Представитель истца - Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» Федоров А.Д. (по доверенности __№__ от 25,07,2013 года) в судебное заседание не явился. В своем заявлении просил рассмотреть данное гражданское дело в отсутствие представителя Банка, с последующей отправкой копии судебного решения и исполнительного листа. В соответствии с ч.5 ст.167 ГПК РФ, суд считает возможным рассмотреть дело в отсутствии представителя истца.

Ответчик Абдулкадыров Р.С. в судебное заседание не явился, хотя извещения посылались по адресу регистрации Абдулкадыровым Р.С. были получены лично адресатом ДД.ММ.ГГГГ и ДД.ММ.ГГГГ (№__№__ и __№__). 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. 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 между Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» и Абдулкадыровым Р.С. был заключен Договор о предоставлении кредита в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ, в соответствии с которым истец предоставил денежные средства в размере <данные изъяты> руб. сроком на 24 месяца, что подтверждается Договором заявкой на открытие банковского счета __№__ от ДД.ММ.ГГГГ. 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 соответствии с вышеуказанным Договором-заявкой, ответчик Абдулкадыров Р.С. подписав его ДД.ММ.ГГГГ, согласился с тем, что размер предоставляемого ему кредита составит <данные изъяты> рублей 00 копеек, с учетом уплаты им взноса за личное страхование в размере <данные изъяты> рублей ему было выдано <данные изъяты> рублей. Ежемесячный платеж по кредиту составил <данные изъяты> рублей 97 копеек, которые Абдулкадыров Р.С. должен был перечислять на счет истца в течении 24 месяцев. Ответчик Абдулкадыров Р.С. принял на себя вышеуказанные обязательства.

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 Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» 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 Абдулкадыров Р.С. 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 Абдулкадырова Р.С. перед Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» составляет <данные изъяты> ), в том числе : - размер задолженности по оплате основного долга - <данные изъяты>) руб. 36 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>) руб. 79 коп.; - размер комиссий за направление извещений с информацией по кредиту - <данные изъяты>) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб.; - размер убытков банка (неуплаченных процентов) - <данные изъяты>) руб. 78 коп. 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 Абдулкадырова Р.С. расходов по уплате государственной пошлины, уплаченной при подаче заявления в мировой суд о выдаче судебного приказа в размере <данные изъяты>) 23 копейки, суд считает необходимым отказать по следующим основаниям. Так в соответствии со статьей 93 Гражданского процессуального кодекса Российской Федерации и пункта 1 части 1 статьи 333.40 Налогового кодекса Российской Федерации уплаченная государственная пошлина подлежит возврату частично или полностью в случае возвращения заявления, жалобы или иного обращения или отказа в их принятии судами. Как следует из исковых требований первоначально для взыскания задолженности по кредиту перед Банком у Абдулкадырова Р.С. представитель по доверенности обратился с заявлением о выдаче судебного приказа в мировой суд Адыге-Хабльского района КЧР. Определением Мирового судьи судебного участка №1 Адыге-Хабльского района от ДД.ММ.ГГГГ ООО «Хоум Кредит энд Финанс Банк» в выдаче судебного приказа было отказано. При этом уплаченная в данном случае государственная пошлина подлежала возврату, либо зачету, в соответствии с частью 6 статьи 333.40 НК РФ. Для возврата уплаченной государственной пошлины плательщику необходимо обратиться с заявлением в налоговый орган по месту нахождения суда, с приложением определениий и справки судов об обстоятельствах, являющихся основанием для полного или частичного возврата излишне уплаченной (взысканной) суммы государственной пошлины, а также подлинные платежные документы в случае, если государственная пошлина подлежит возврату в полном размере, а в случае, если она подлежит возврату частично, - копии указанных платежных документов (часть 3 статьи 333.40 НК РФ)

В части взыскания с ответчика Абдулкадырова Р.С. в пользу Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» расходов по уплате государственной пошлины в <данные изъяты>) руб. 48 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 Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» к Абдулкадырову Р.С. о взыскании денежных средств удовлетворить частично.

Взыскать с Абдулкадырова Р.С., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес> в пользу Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» задолженность по договору о предоставлении кредитов безналичном порядке и ведения банковского счета __№__ от ДД.ММ.ГГГГ в размере <данные изъяты> рубля 93 копейки ), в том числе : - размер задолженности по оплате основного долга - <данные изъяты>) руб. 36 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>) руб. 79 коп.; - размер комиссий за направление извещений с информацией по кредиту - <данные изъяты> руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб.; - размер убытков банка (неуплаченных процентов) - <данные изъяты>) руб. 78 коп.

Взыскать с Абдулкадырова Р.С., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес> в пользу Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» в счет возмещения судебных расходов по оплате государственной пошлины сумму в <данные изъяты>) руб. 48 копеек.

Во взыскании с Абдулкадырова Р.С. в пользу Общества с ограниченной ответственность «Хоум Кредит энд Финанс Банк» расходов по уплате государственной пошлины при подаче заявления о выдаче судебного приказа в размере <данные изъяты>) руб. 23 копейки отказать.

Ответчик 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     подпись

Судья Адыге-Хабльского районного суда Косов Ю.А.