Решение по делу № 2-580/2014 от 18.08.2014

Гражданское дело № 2-580/2014

РЕШЕНИЕ

(заочное)

Именем Российской Федерации

26 сентября 2014 года                                                                               а. 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 __№__ к Татаренко А.В., Журавлеву С.А. и 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 __№__ обратился в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Татаренко А.В., Журавлеву С.А. и Татаренко В.П. о расторжении кредитного договора __№__ от ДД.ММ.ГГГГ года и взыскании 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> рублей <данные изъяты> копеек. Свои требования обосновал тем, что ДД.ММ.ГГГГ года между ОАО «<данные изъяты>» в лице <данные изъяты> отделения __№__ и гражданкой Татаренко А.В. был заключен кредитный договор __№__ на срок по ДД.ММ.ГГГГ года под <данные изъяты> % годовых.

В качестве обеспечения своевременного и полного возврата и уплаты процентов предоставлены поручительства Журавлева С.А. и Татаренко В.П..

Согласно договора поручители обязались отвечать за исполнение Татаренко А.В. всех ее обязательств.

Кредитор свои обязательства по договору выполнил полностью, заемщиком же обязательства не выполняются и на ДД.ММ.ГГГГ года сумма долга Татаренко А.В., 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 __№__, а также договорам поручительства, заключенным между Банком и указанными выше лицами, определена ответственность заемщика по кредиту, а также в качестве обеспечения своевременного, полного возврата кредита и уплаты процентов, установлена полная солидарная ответственность поручителей.

Просит : 1. Расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ года.

2. Взыскать солидарно с заемщика Татаренко А.В. и поручителей Журавлева С.А. и Татаренко В.П. по кредитному договору __№__ от ДД.ММ.ГГГГ года в пользу ОАО «<данные изъяты>» сумму долга в размере <данные изъяты> рублей <данные изъяты> копеек.

Взыскать солидарно с заемщика Татаренко А.В. и поручителей Журавлева С.А. и Татаренко В.П. в пользу ОАО «<данные изъяты>» сумму уплаченной государственной пошлины в размере <данные изъяты> рублей <данные изъяты> копеек.

Представитель истца - Открытого акционерного общества «<данные изъяты>» в лице <данные изъяты> отделения __№__ 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.

Ответчики Татаренко А.В., Журавлев С.А. и Татаренко В.П. в судебное заседание не явились хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствуют поступившие уведомления о вручении извещения. О причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, что в силу ст.233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. 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, между ОАО «<данные изъяты>» в лице <данные изъяты> отделения __№__ и гражданкой Татаренко А.В. был заключен кредитный договор __№__ на срок по ДД.ММ.ГГГГ года под <данные изъяты> % годовых.

Согласно которому на лицевой счет __№__ Татаренко А.В. переведено <данные изъяты> рублей <данные изъяты> копеек. Сделка по заключению между сторонами кредитного договора в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

Согласно п. 2 кредитного договора, в качестве обеспечения своевременного и полного исполнения обязательств по Договору Татаренко А.В. предоставила поручительство Журавлева С.А. и Татаренко В.П..

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.

Между указанными лицами и <данные изъяты> филиалом <данные изъяты>- Открытого акционерного общества «<данные изъяты>» были заключены договора поручительства __№__ и __№__ согласно которых поручители при неисполнении или ненадлежащем исполнении заемщиком обязательств по кредитному договору поручители и заемщик отвечают перед кредитором солидарно.

Согласно п.п 4.1, 4.2 ч. 4 Договора, ответчик был обязан производить платеж по погашению кредита ежемесячно равными долями, начиная с первого числа месяца, следующего за месяцем получения кредита, а также уплачивать проценты за пользование кредитом не позднее 10 числа месяца, следующего за платежным месяцем.

Пунктом 4.4 ч.4 Договора установлено, что при несвоевременном внесении платежа в погашение кредита или уплату процентов за пользование кредитом ответчик обязан уплатить неустойку в размере двукратной процентной ставки по Договору, действующей на дату возникновения просроченной задолженности по Договору, с суммы просроченного платежа за период просрочки с даты, следующей за датой наступления исполнения обязательства, установленного Договором, по дату погашения просроченной задолженности.

Однако, 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 А.В. образовалась задолженность в сумме <данные изъяты> рублей <данные изъяты> копеек.

Истцом в адрес ответчиков были направлены требования, из которых видно, что ответчикам было предложено в срок не позднее ДД.ММ.ГГГГ года срочно возвратить всю оставшуюся сумму кредита вместе с причитающимися процентами и оплатить неустойку, по основному долгу и предупреждены, что в случае неисполнения в указанный срок обязательств, Сберегательный банк обратится в суд с требованием о взыскании задолженности солидарно с ответчиков. Однако ответчики в указанные сроки никаких мер по погашению задолженности не приняли.

Судом установлено и материалами дела подтверждено, что сторонами при заключении кредитного договора согласованы все существенные условия. <данные изъяты> свои обязательства по договору выполнил в полном объеме.

Указанные нарушения условий кредитного договора ответчиками суд считает существенными, так как эти нарушения договора влекут для <данные изъяты> ущерб, что он лишается того, что был вправе рассчитывать при заключении договора.

Согласно представленного <данные изъяты> отделением __№__ <данные изъяты> России расчета, задолженность ответчиков по кредиту составляет <данные изъяты> рублей <данные изъяты> копеек.

Пунктом 5.3.5 ч. 5 кредитного договора __№__ от ДД.ММ.ГГГГ года предусмотрено, что Заемщик возмещает все расходы Кредитора, связанные с взысканием задолженности по договору, в том числе и возмещение судебных и иных расходов по взысканию задолженности.

В соответствии с ч. 2 ст. 363 Гражданского процессуального кодекса РФ, поручитель отвечает перед кредитором в том же объеме, как и должник, в том числе возмещает судебные издержки по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, что также предусмотрено договорами поручительства.

В соответствии со ст. 98 Гражданского процессуального кодекса РФ, стороне, в пользу которой состоялось решение суда, суд присуждает с другой стороны все понесенные по делу судебные расходы.

На основании изложенного и руководствуясь ст.ст.194-199 ГПК РФ, суд

Р Е Ш И Л:

Иск Открытого акционерного общества «<данные изъяты>» в лице <данные изъяты> филиала __№__ к Татаренко А.В., Журавлеву С.А. и Татаренко В.П. о расторжении кредитного договора __№__ от ДД.ММ.ГГГГ года и взыскании задолженности по кредитному договору удовлетворить.

1. Расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ года.

2. Взыскать с заемщика Татаренко А.В. и поручителей Журавлева С.А. и Татаренко В.П. по кредитному договору __№__ от ДД.ММ.ГГГГ года в пользу ОАО «<данные изъяты>» сумму долга в размере <данные изъяты>) рублей <данные изъяты> копеек солидарно.

3. Взыскать с заемщика Татаренко А.В. и поручителей Журавлева С.А. и Татаренко В.П. в пользу ОАО «<данные изъяты>» сумму уплаченной государственной пошлины в размере <данные изъяты> рублей <данные изъяты> копеек солидарно.

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.