Решение по делу № 2-293/2014 ~ М-239/2014 от 25.03.2014

Гражданское дело № 2-293/2014

РЕШЕНИЕ Именем Российской Федерации

16 мая 2014 года                                 а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

с участием ответчика Копейко Е.К.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению Открытого Акционерного Общества «Сбербанк России» Ставропольского отделения к Копейко Е.К. о расторжении кредитного договора и досрочном взыскании задолженности по кредитному договору,

УСТАНОВИЛ:

ОАО «Сбербанк России» Ставропольское отделение обратилось в суд с исковым заявлением к Копейко Е.К. о расторжении кредитного договора и взыскании задолженности по кредитному договору. Свои исковые требования обосновало тем, что 25 октября 2012 года между ОАО «Сбербанк России» (кредитор) и Копейко Е.К. (заёмщик) был заключён кредитный договор №__№__, в соответствии с которым Банк предоставил заемщику потребительский кредит в сумме <данные изъяты>) рублей на срок 60( шестьдесят) месяцев с уплатой процентов по ставке <данные изъяты>) процентов годовых.

Кредитор свои обязательства по договору выполнил полностью, заёмщиком же обязательства не выполняются и на 14,01,2014 года. сумма долга Копейко Е.К. составляет - <данные изъяты> руб.

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

Согласно статьям 309 и 310 Гражданскою кодекса Российской Федерации обязательства должны исполняться надлежащим образом, в соответствии с условиями обязательства, односторонний отказ от исполнения обязательства не допускается.

В соответствии с пунктом 2 статьи 450 Гражданского кодекса Российской
Федерации по требованию одной из сторон договор может быть изменен или расторгнут по решению суда только: при существенном нарушении договора другой стороной; в иных случаях, предусмотренных настоящим Кодексом, другими законами или договором.

Согласно кредитному договору №__№__, определена ответственность заемщика по кредиту. Ответственность зае6мщика перед кредитором, включает 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 ответчиком обязательств по кредитному договору кредитор просит Расторгнуть Кредитный договор __№__ от 25,10,2012 года, заключенный между Открытым акционерным обществом «Сбербанк России» и Копейко Е.К. взыскать с Копейко Е.К. в пользу Открытого акционерного общества «Сбербанк России» (Карачаево-Черкесского отделения) своевременно непогашенную на ДД.ММ.ГГГГ задолженность, в размере <данные изъяты>) рублей 34 коп.. А также расходы по уплате государственной пошлины в размере <данные изъяты> ) рублей 70 копеек.

Представитель истца - Открытого Акционерного Общества «Сбербанк России» Ставропольского отделения в судебное заседание не явился. В своем заявлении Открытое Акционерное Общество «Сбербанк России» просило рассмотреть данное гражданское дело в отсутствие их представителя, с последующей отправкой копии судебного решения и исполнительного листа. В случае неявки ответчика в судебное заседание, рассмотреть гражданское дело в порядке заочного производства. В соответствии с ч.5 ст.167 ГПК РФ, суд считает возможным рассмотреть дело в отсутствии представителя истца

        Ответчик Копейко Е.К. в судебном заседании согласившись с требованиями истца, не возражал в их удовлетворении, признал иск в полном объеме.

Суд находит необходимым принять признание иска ответчиком, так как это не противоречит закону и не нарушает прав и законных интересов других лиц.

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

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

Как установлено в судебном заседании, 25 октября 2012 года между Открытым Акционерным Обществом «Сбербанк России» в лице Ставропольского отделения № 5230 и Копейко Е.К. заключен кредитный договор № 101589. 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 Копейко Е.К. подписав указанный документ 25 октября 2012 года, согласилась с тем, что приняла на себя обязательство возвратить ОАО «Сбербанк России» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 22,5 % годовых (п.1.1. кредитного договора). В соответствии с данным пунктом кредитного договора ответчик Копейко Е.К. обязалась 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. 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 14,01,2014 года у Копейко Е.К. образовалась задолженность в сумме <данные изъяты>) рублей 34 коп, в том числе: просроченный основной долг - <данные изъяты>) рубля 50 копеек; неустойка за несвоевременное погашение основного долга- <данные изъяты>) рублей 91 копеек; просроченные проценты за пользование кредитом - <данные изъяты>) рублей 14 коп.; неустойка за несвоевременное погашение процентов за пользование кредитом - <данные изъяты>) рублей 79 копеек.

Требованием о досрочном возврате суммы кредита, процентов за пользование кредитом, уплате неустойки и расторжении договора от 25,10,2012 года ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «Сбербанк России» 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 Копейко Е.К. свое обязательство по погашению кредита не выполнила. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст. 450 ГК РФ основанием расторжения договора является существенные нарушения договора другой стороной. Существенным признается нарушение одной из сторон, которое влечет для другой стороны такой ущерб, что она в значительной степени лишается того, на что была вправе рассчитывать при заключении договора. В соответствии с п.5.1 Кредитного договора при одностороннем расторжении кредитного договора, существующие к тому моменту обязательства Сторон, сохраняют силу до их полного выполнения

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать с Копейко Е.К. в пользу Открытого акционерного общества «Сбербанк России» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ по состоянию на ДД.ММ.ГГГГ, в размере <данные изъяты> рублей 34 коп, в том числе: просроченный основной долг - <данные изъяты> рубля 50 копеек; неустойка за несвоевременное погашение основного долга- <данные изъяты>) рублей 91 копеек; просроченные проценты за пользование кредитом - <данные изъяты>) рублей 14 коп.; неустойка за несвоевременное погашение процентов за пользование кредитом - <данные изъяты>) рублей 79 копеек.

В части взыскания с Копейко Е.К. в пользу Открытого акционерного общества «Сбербанк России» расходов по уплате государственной пошлины в размере <данные изъяты>) рублей 70 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.

При вышеизложенных обстоятельствах, а также учитывая то, что исковые требования признаны ответчиком, а статьей 39 ГПК РФ предусмотрено, что ответчик вправе признать иск. Суд не принимает отказ истца от иска, признание иска ответчиком и не утверждает мировое соглашение сторон, если это противоречит закону или нарушает права и законные интересы других лиц.

    В соответствии с ч.3 ст.173 ГПК РФ при признании ответчиком иска и принятии его судом принимается решение об удовлетворении заявленных истцом требований.

    Кроме того, в соответствии с абз.2 ч.4 ст.198 ГПК РФ в случае признания иска ответчиком в мотивировочной части решения суда может быть указано только на признание иска и принятие его судом.

         Суд приходит к выводу о том, что признание ответчиком исковых требований Ставропольского отделения __№__ Открытого Акционерного Общества «Сбербанк России» не противоречит закону, не нарушает права и законные интересы третьих лиц, соответствует доказательствам, имеющимся в материалах дела, а поэтому должен быть принят судом.      

На основании изложенного, руководствуясь ст. ст. 98, 194-199ГПК РФ, 307, 309, 361, 363, 807,809,810,819 ГК РФ, суд

РЕШИЛ:

Исковые требования Ставропольского отделения № 5230 Открытого Акционерного Общества «Сбербанк России» к Копейко Е.К. о расторжении кредитного договора и досрочном взыскании задолженности по кредитному договору - удовлетворить.

Расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ, заключенный между Открытым акционерным обществом «Сбербанк России» и Копейко Е.К..

Взыскать с Копейко Е.К., ДД.ММ.ГГГГ года рождения, уроженки <адрес> Азербайджанской ССР, зарегистрированной по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, <адрес> акционерного общества «Сбербанк России» (Ставропольское отделения № 5230) своевременно непогашенную на ДД.ММ.ГГГГ задолженность, в размере <данные изъяты>) рублей 34 коп, в том числе: просроченный основной долг - <данные изъяты>) рубля 50 копеек; неустойка за несвоевременное погашение основного долга- <данные изъяты>) рублей 91 копеек; просроченные проценты за пользование кредитом - <данные изъяты>) рублей 14 коп.; неустойка за несвоевременное погашение процентов за пользование кредитом - <данные изъяты>) рублей 79 копеек.

Взыскать с Копейко Е.К., ДД.ММ.ГГГГ года рождения, уроженки <адрес> Азербайджанской ССР, зарегистрированной по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес> акционерного общества «Сбербанк России» (Ставропольское отделения № 5230) в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) рублей 70 копеек.

Решение может быть обжаловано сторонами в апелляционном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в месячный срок, со дня вынесения.

Председательствующий по делу

Судья Адыге-Хабльского районного суда Косов Ю.А.