Решение по делу № 2-420/2014 ~ М-392/2014 от 29.05.2014

Гражданское дело № 2-420/2014

РЕШЕНИЕ

(заочное)

Именем Российской Федерации

25 августа 2014 года                                                                                        аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской Республики в составе:

председательствующего судьи Матакаева А-Г.И.,

при секретаре Шебзуховой С.Х.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению ОАО «<данные изъяты>», в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» к Татаренко В.П. о расторжении кредитного договора __№__ от ДД.ММ.ГГГГ года и взыскании задолженности по кредитному договору,                                                                                     

       

УСТАНОВИЛ:

ОАО «<данные изъяты>» в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» обратился в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Татаренко В.П. о расторжении кредитного договора __№__ от ДД.ММ.ГГГГ года и взыскании с заемщика по кредитному договору в пользу ОАО «<данные изъяты>» сумму долга в размере <данные изъяты> рублей <данные изъяты> копеек и сумму уплаченной государственной пошлины в размере <данные изъяты> рубля <данные изъяты> копеек. Свои требования обосновал тем, что ДД.ММ.ГГГГ года между ОАО «<данные изъяты>» в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» (далее - кредитор) и гражданином Татаренко В.П. (далее - заемщик) был заключен кредитный договор <данные изъяты>.

В силу кредитного договора заемщик принял на себя обязательство возвратить ОАО «<данные изъяты>» денежные средства, «Потребительский кредит» в размере <данные изъяты> рублей 00 копеек, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты> % годовых (п.1.1 кредитного договора).

Кредитор свои обязательства по договору выполнил полностью, заемщиком же обязательства не выполняются и на ДД.ММ.ГГГГ года сумма долга Татаренко В.П., составляет - <данные изъяты>) рублей <данные изъяты> копеек.

Неоднократные напоминания кредитной службы Банка о немедленном погашении кредита результатов не дали.

В соответствии со ст.309 ГК РФ - обязательства должны исполняться надлежащим образом в соответствии с условиями обязательства и требованиями закона.

Ст.450 ГК РФ предусмотрена возможность расторжения договора в судебном порядке, по требованию одной из сторон, в случае существенного нарушения условий договора другой стороной.

Согласно кредитному договору __№__, заключенному между Банком и указанным выше лицом, определена ответственность заемщика по кредиту. Ответственность заемщика перед кредитором включает в себя уплату процентов за пользование кредитом и неустойки, возмещение судебных издержек по взысканию долга и других расходов кредитора, вызванных неисполнением или ненадлежащим исполнением обязательств по кредитному договору заемщиком.

В связи с неисполнением обязательств по кредитному договору кредитор считает правомерным потребовать от ответчика уплаты задолженности по состоянию на ДД.ММ.ГГГГ года и просит взыскать с Татаренко В.П. в пользу ОАО «<данные изъяты>» <данные изъяты> рублей <данные изъяты> копеек, а так же взыскать с ответчика в пользу ОАО «Сбербанк России» расходы по оплате государственной пошлины в размере <данные изъяты> рубля <данные изъяты> копеек.

Представитель истца - Открытого акционерного общества «<данные изъяты>» в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» в судебное заседание не явился. В своем заявлении представитель Открытого акционерного общества «<данные изъяты>» просил рассмотреть данное гражданское дело в отсутствие их представителя. В соответствии с ч.5 ст.167 ГПК РФ, суд считает возможным рассмотреть дело в отсутствии представителя истца.

Ответчик Татаренко В.П. в судебное заседание не явился, хотя был надлежащим образом извещен о времени и месте рассмотрения дела, о чем свидетельствуют 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. В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

Изучив материалы дела, суд считает исковое заявление подлежащим удовлетворению по следующим основаниям:

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

Как установлено в судебном заседании, ДД.ММ.ГГГГ года между Открытым акционерным обществом «<данные изъяты>» в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» и гражданином Татаренко В.П. был заключен кредитный договор __№__, согласно которому на лицевой счет __№__ Татаренко В.П. переведено <данные изъяты> рублей 00 копеек. Сделка по заключению между сторонами кредитного договора в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

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

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

В соответствии с вышеуказанным кредитным договором, ответчик Татаренко В.П. подписав указанный документ ДД.ММ.ГГГГ года, согласился с тем, что принял на себя обязательство возвратить ОАО «<данные изъяты>» денежные средства, полученные в кредит в размере <данные изъяты> рублей 00 копеек, а также уплатить начисленные за пользование кредитом проценты из расчета <данные изъяты>% годовых (п.1.1. кредитного договора). В соответствии с данным пунктом кредитного договора ответчик Татаренко В.П. обязался осуществлять погашение кредита (основного долга) равными долями одновременно с уплатой процентов за пользование кредитом. Однако свои обязательства ответчиком не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается расчетом задолженности по состоянию на ДД.ММ.ГГГГ года. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчиком несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на ДД.ММ.ГГГГ года у Татаренко В.П. образовалась задолженность в сумме <данные изъяты> рублей <данные изъяты> копеек, в том числе: просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; неустойка за просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; просроченные проценты - <данные изъяты> рубля <данные изъяты> копеек; неустойка за просроченные проценты - <данные изъяты> рубль <данные изъяты> копеек.

Письмом ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «<данные изъяты>» был соблюден досудебный порядок урегулирования спора.

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

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

Однако, ответчик Татаренко В.П. свое обязательство по погашению кредита не выполнил. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать с Татаренко В.П., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, проживающего по адресу: <адрес> в пользу Открытого акционерного общества «<данные изъяты>» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ года по состоянию на ДД.ММ.ГГГГ года в размере <данные изъяты> рублей <данные изъяты> копеек, в том числе: просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; неустойка за просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; просроченные проценты - <данные изъяты> рубля <данные изъяты> копеек; неустойка за просроченные проценты - <данные изъяты> рубль <данные изъяты> копеек.

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

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

РЕШИЛ:

Исковые требования Открытого акционерного общества ОАО «<данные изъяты>», в лице <данные изъяты> отделения (на правах управления) <данные изъяты> __№__ ОАО «<данные изъяты>» к Татаренко В.П. о расторжении кредитного договора __№__ от ДД.ММ.ГГГГ года и взыскании задолженности по кредитному договору удовлетворить.

Расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ года, заключенный между Открытым акционерным обществом «<данные изъяты>» и Татаренко В.П..

Взыскать с Татаренко В.П., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, проживающего по адресу: ДД.ММ.ГГГГ в пользу Открытого акционерного общества «<данные изъяты>» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ года в размере <данные изъяты> рублей <данные изъяты> копеек, в том числе: просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; неустойка за просроченный основной долг - <данные изъяты> рублей <данные изъяты> копеек; просроченные проценты - <данные изъяты> рубля <данные изъяты> копеек; неустойка за просроченные проценты - <данные изъяты> рубль <данные изъяты> копеек.

Взыскать с Татаренко В.П., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, проживающего по адресу: <адрес> в пользу Открытого Акционерного Общества «<данные изъяты>» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты> рубля <данные изъяты> копеек.

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.

Судья Адыге-Хабльского районного суда                 Матакаев А-Г.И.

2-420/2014 ~ М-392/2014

Категория:
Гражданские
Статус:
Иск (заявление, жалоба) УДОВЛЕТВОРЕН
Истцы
ОАО "Сбербанк России"
Ответчики
Татаренко Виктор Петрович
Суд
Адыге-Хабльский районный суд Карачаево-Черкесской Республики
Судья
Матакаев Адиль-Герей Ибрагимович
Дело на сайте суда
adige-hablsky--kchr.sudrf.ru
29.05.2014Регистрация иска (заявления, жалобы) в суде
29.05.2014Передача материалов судье
30.05.2014Решение вопроса о принятии иска (заявления, жалобы) к рассмотрению
30.05.2014Вынесено определение о подготовке дела к судебному разбирательству
18.06.2014Подготовка дела (собеседование)
23.06.2014Вынесено определение о назначении дела к судебному разбирательству
15.07.2014Судебное заседание
15.07.2014Вынесено определение о подготовке дела к судебному разбирательству
01.08.2014Вынесено определение о назначении дела к судебному разбирательству
13.08.2014Судебное заседание
25.08.2014Судебное заседание
25.08.2014Изготовлено мотивированное решение в окончательной форме
26.08.2014Отправка копии заочного решения ответчику (истцу)
28.08.2014Дело сдано в отдел судебного делопроизводства
21.10.2014Дело оформлено
21.10.2014Дело передано в архив
Решение

Детальная проверка физлица

  • Уголовные и гражданские дела
  • Задолженности
  • Нахождение в розыске
  • Арбитражи
  • Банкротство
Подробнее