Решение по делу № 2-377/2016 ~ М-378/2016 от 22.03.2016

                                                                                                         Гражданское дело №2-377/2016

Решение Именем Российской Федерации

23 мая 2016 года                                                                        аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской Республики

в составе:

председательствующего судьи Косова Ю.А.,

с участием представителя истца - Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» Дауровой З.К., предъявившей доверенность __№__ от ДД.ММ.ГГГГ,

при секретаре ФИО5,

с участием ответчицы Узденовой З.Х.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» к Узденовой З.Х., Гарбузовой Р.В. и Пономаревой Л.Н. о расторжении кредитного договора и взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ,                                                                                     

установил:

             Акционерное общество «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Узденовой З.Х., Гарбузовой Р.В. и Пономаревой Л.Н. о расторжении кредитного договора и взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ. Свои требования Общество обосновало тем, что ДД.ММ.ГГГГ между ОАО «Россельхозбанк» (далее - кредитор) и гражданкой, Узденовой З.Х. (далее - ответчица) заключен кредитный договор __№__ (далее - кредитный договор). В силу кредитного договора ответчица приняла на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 18% годовых (п.п.1.2., 1.3. кредитного договора). Предоставление ответчице кредитных денежных средств, подтверждается выпиской по лицевому счету __№__ за ДД.ММ.ГГГГ.

В соответствии с п.4.2.1 кредитного договора ответчица обязалась осуществлять погашение кредита (основного долга) равными долями одновременно с уплатой процентов за пользование кредитом в соответствии с графиком погашения кредита (основного долга). Однако свои обязательства ответчицей не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету.

Письмом ответчице сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, кредитором был соблюден досудебный порядок урегулирования спора.

Пунктом 4.7 и подпунктами 4.7.1 и 4.7.2 Кредитного договора __№__ от ДД.ММ.ГГГГ предусмотрено право банка в одностороннем порядке требовать с Заемщика, досрочного возврата кредита, а так же уплаты процентов за время фактического использования кредита в случае, если Заемщик ненадлежащим образом исполняет свои обязательства по уплате основного долга и процентов.

Статьями 309, 310 ГК РФ установлено, что обязательства должны исполняться в соответствии с условиями договора и требованиями закона. Одностороннее изменение обязательств или отказ от них не допустим, если иное не установлено законом или не вытекает из условий договора. В связи с неисполнением обязательства по кредитному договору кредитор считает правомерным потребовать от ответчицы уплаты задолженности, по состоянию на ДД.ММ.ГГГГ в размере: 115443 (сто пятнадцать тысяч четыреста сорок три) рубля 47 копеек в том числе: просроченный основной долг - 82529 (восемьдесят две тысячи пятьсот двадцать девять) рублей 29 копеек и просроченные проценты - 32914 (тридцать две тысячи девятьсот четырнадцать) рублей 18 копеек.

В обеспечение исполнения обязательств по кредитному договору __№__ от ДД.ММ.ГГГГ, между ОАО «Россельхозбанк» и: Пономаревой Л.Н. был заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ; Гарбузовой Р.В. был заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ.

В соответствии со ст.363 ГК РФ поручитель отвечает перед кредитором в том же объеме, как и должник, включая уплату процентов, возмещение судебных издержек по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, если иное не предусмотрено договором поручительства.

Уведомлениями о погашении просроченной задолженности по кредиту (об уплате неустойки) поручителям сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения. В соответствии с п.1 ст.323 ГК РФ при солидарной обязанности должников кредитор вправе требовать исполнения как от всех должников совместно, так и от любого из них в отдельности, притом как полностью, так и в части долга. В связи с неисполнением обязательства по кредитному договору взыскатель считает правомерным потребовать от должников (как солидарного должника) уплаты вышеуказанной задолженности. На основании изложенного АО «Россельхозбанк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» просил суд расторгнуть кредитный договор 1131021/0159 от ДД.ММ.ГГГГ заключенный между ОАО «Россельхозбанк» и Узденовой З.Х. с ДД.ММ.ГГГГ, взыскать солидарно с Узденовой З.Х., ДД.ММ.ГГГГ года рождения, уроженки <адрес> края, проживающей по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес>, Гарбузовой Р.В., ДД.ММ.ГГГГ года рождения, уроженки села Ага-<адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> и Пономаревой Л.Н., ДД.ММ.ГГГГ года рождения, уроженки поселка <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» задолженность в размере <данные изъяты>) рубля 47 копеек в том числе: просроченный основной долг - <данные изъяты>) рублей 29 копеек и просроченные проценты - <данные изъяты>) рублей 18 копеек, а так же взыскать солидарно с ответчиков в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» расходы по уплате государственной пошлины в размере <данные изъяты>) рублей 87 копеек.

В судебном заседании, представитель истца - Акционерного общества «Российский сельскохозяйственный банк» Даурова З.К. требования, изложенные в исковом заявлении подержала в и просила суд удовлетворить их в полном объеме.

Ответчица Узденова З.Х. в судебном заседании исковые требования АО «Россельхозбанк» признала и показала, что она примет все меры по погашению задолженности по кредиту.

         Ответчики Гарбузова Р.В. и Пономарева Л.Н. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещений. 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, и суд считает возможным рассмотреть данное гражданское дело в отсутствии данных ответчиков.

        Выслушав представителя истца - Даурову З.К., ответчицу Узденову З.Х., 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, ДД.ММ.ГГГГ между Открытым Акционерным Обществом «Российский сельскохозяйственный банк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль и Узденовой З.Х. заключен кредитный договор __№__, что подтверждается кроме самого кредитного договора, следующими документами: договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Пономаревой Л.Н. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Узденовой З.Х. своих обязательств по кредитному договору __№__; договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Гарбузовой Р.В. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Узденовой З.Х. своих обязательств по кредитному договору __№__; выпиской по лицевому счету __№__ от ДД.ММ.ГГГГ, согласно которому на лицевой счет __№__ Узденовой З.Х. переведено по кредитному договору __№__ от ДД.ММ.ГГГГ под 18% годовых <данные изъяты>) рублей.

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 и договорами поручительства, ответчики Узденова З.Х., Гарбузова Р.В. и Пономарева Л.Н. подписав указанные документы ДД.ММ.ГГГГ, согласились с тем, что приняли на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 18% годовых (п.п.1.2., 1.3. кредитного договора). В соответствии с п.4.2.1 кредитного договора ответчик (Узденова З.Х.) обязалась осуществлять погашение кредита (основного долга) равными долями одновременно с уплатой процентов за пользование кредитом в соответствии с графиком погашения кредита (основного долга). Однако свои обязательства ответчицей не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчицей несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на ДД.ММ.ГГГГ у Узденовой З.Х. образовалась задолженность в сумме <данные изъяты>) рубля 47 копеек.

Письмом ответчице сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, АО «Россельхозбанк» был соблюден досудебный порядок урегулирования спора.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный, считается заключенным с момента передачи денег или других вещей и данный факт 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, ответчица Узденова З.Х. свои обязательства по погашению кредита не выполнила. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст.361 Гражданского кодекса РФ, по договору поручительства поручитель обязывается перед кредитором другого лица отвечать за исполнение последним его обязательств полностью или в части.

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 п.п.2.1, 2.2 договоров поручительства __№__ и __№__ от ДД.ММ.ГГГГ.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным расторгнуть кредитный договор и взыскать солидарно с Узденовой З.Х., Гарбузовой Р.В. и Пономаревой Л.Н. в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» задолженность в размере - <данные изъяты>) рубля 47 копеек в том числе: просроченный основной долг - <данные изъяты>) рублей 29 копеек и просроченные проценты - <данные изъяты>) рублей 18 копеек.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» расходов по уплате государственной пошлины в размере <данные изъяты>) рублей 87 копеек, оплаченных при подаче искового заявления и государственной пошлины уплаченной за расторжение договора (неимущественного характера) в размере <данные изъяты>) рублей, суд считает обоснованными, поскольку в соответствии со ст.98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

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

решил:

Исковые требования Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» к Узденовой З.Х., Гарбузовой Р.В. и Пономаревой Л.Н. о расторжении кредитного договора и взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ удовлетворить.

Расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ, заключенный между Открытым акционерным обществом «Российский Сельскохозяйственный банк» и гражданкой, Узденовой З.Х. с ДД.ММ.ГГГГ.

Взыскать солидарно с Узденовой З.Х., ДД.ММ.ГГГГ года рождения, уроженки <адрес> края, проживающей по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес>, Гарбузовой Р.В., ДД.ММ.ГГГГ года рождения, уроженки <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> и Пономаревой Л.Н. ДД.ММ.ГГГГ года рождения, уроженки поселка <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» задолженность в размере <данные изъяты>) рубля 47 копеек в том числе: просроченный основной долг - <данные изъяты> рублей 29 копеек и просроченные проценты - <данные изъяты>) рублей 18 копеек.

Взыскать солидарно с Узденовой З.Х., ДД.ММ.ГГГГ года рождения, уроженки <адрес> края, проживающей по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес>, Гарбузовой Р.В., ДД.ММ.ГГГГ года рождения, уроженки села Ага-<адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> и Пономаревой Л.Н., ДД.ММ.ГГГГ года рождения, уроженки поселка <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) рублей 87 копеек.

Взыскать солидарно с Узденовой З.Х., ДД.ММ.ГГГГ года рождения, уроженки <адрес> края, проживающей по адресу: Карачаево-Черкесская Республика, Адыге-Хабльский муниципальный район, <адрес>, Гарбузовой Р.В., ДД.ММ.ГГГГ года рождения, уроженки <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> и Пономаревой Л.Н., ДД.ММ.ГГГГ года рождения, уроженки поселка <адрес>, проживающей по адресу: Карачаево-Черкесская Республика, <адрес> в пользу Акционерного общества «Российский сельскохозяйственный банк», в лице Карачаево-Черкесского регионального филиала АО «Россельхозбанк» в счет возмещения судебных расходов по оплате государственной пошлины уплаченной за расторжение договора (неимущественного характера) сумму в размере <данные изъяты>) рублей 00 копеек.

Решение может быть обжаловано в апелляционном порядке в судебную коллегию по гражданским делам Верховного суда КЧР в течение месяца со дня его принятия через Адыге-Хабльский районный суд.

Федеральный судья

Адыге-Хабльского районного суда КЧР         Косов Ю.А.