Решение по делу № 2-196/2012 ~ М-200/2012 от 16.03.2012

Гражданское дело № 2-196/2012

РЕШЕНИЕ

(Заочное)

Именем Российской Федерации

4 мая 2012 года                                                                      а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

с участием представителей истца - ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в п. Эркен-Шахар Харзиновой А.М., (доверенность __№__ от 12,07,2012 года),

рассмотрев в открытом судебном заседании гражданское дело по исковому ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар к Казакову Х.М., Казакову Р.Ю., Итляшеву Р.М. и Керейтову Л.М. о расторжении кредитного договора и взыскании задолженности,

УСТАНОВИЛ:

Открытое Акционерное Общество «Российский Сельскохозяйственный банк» Карачаево-Черкесский филиал обратилось в Адыге -Хабльский районный суд с исковым заявлением к Казакову Х.М., Казакову Р.Ю., Итляшеву Р.М. и Керейтову Р.М. о взыскании задолженности по кредитному договору. Свои требования Общество обосновало тем, что «22» июня 2009 года между ОАО «Россельхозбанк» (далее - Кредитор) и гражданином Казаковым Х.М. (далее - ответчик) заключен Кредитный договор __№__ (Далее - Кредитный договор). В силу Кредитного договора Ответчик принял 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 17 % годовых (п.п. 1.2., 1.3. Кредитного договора). Срок возврата Кредита установлен пунктом 1.5 кредитного договора - 10 июня 2014.

В соответствии с п. 3.1 Кредитного договора выдача кредита производится перечислением средств на текущий счет Заемщика. Конкретной датой выдачи кредита является дата возникновения задолженности на ссудном счете Заемщика (п 3.3 Кредитного договора). Кредитор выполнил свои обязательства, предоставив кредит Ответчику, что подтверждается мемориальным ордером __№__ от 25 июня 2009 года и соответствует выпиской из лицевого счета от 25 июня 2009 года. Согласно п. 4.1. Кредитного договора проценты за пользование кредитом начисляются по формуле простых процентов на остаток задолженности по кредиту, отражаемый на ссудном счете Заемщика на начало операционного дня в соответствии с расчетной базой. В которой количество дней в году и количество дней в месяце- количество фактических дней. Статьями 309, 310 ГК РФ установлено, что обязательства должны исполняться в I 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. Ответчик обязался 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 Ответчиком не были исполнены в срок, часть основного долга и проценты не погашены. Письмом     Ответчику 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.

В обеспечение исполнения обязательств по Кредитному договору __№__ от «22» июня 2009г., между ОАО «Россельхозбанк» и:

Казаковым Р.Ю., заключен Договор поручительства физического лица

__№__ от «22» июня 2009 г.;

Итляшевым Р.М., заключен Договор поручительства физического

лица __№__ от «22» июня 2009 г.;

Керейтовым Л.М., заключен Договор поручительства физического лица №

__№__ от «22» июня 2009 г.;

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.

В соответствии со ст. 450 ГК РФ основанием расторжения договора является существенные нарушения договора другой стороной. Существенным признается нарушение одной из сторон, которое влечет для другой стороны такой ущерб, что она в значительной степени лишается того, на что была вправе рассчитывать при заключении договора. В соответствии с п.7.2 Кредитного договора при одностороннем расторжении кредитного договора. Существующие к тому моменту обязательства Сторон, сохраняют силу до их полного выполнения. В связи с неисполнением обязательства по кредитному договору Кредитор считает правомерным расторгнуть договор и потребовать от Ответчиков уплаты задолженности и остаток ссудной задолженности по состоянию на 13.03.2012 в размере <данные изъяты> руб. 22 коп, в том числе:

Остаток ссудной задолженности - <данные изъяты>,86 руб.

Просроченная часть основного долга - <данные изъяты>,03 руб.

Просроченные проценты - <данные изъяты>,30 руб.

А также расходы по оплате государственной пошлины в размере - 7982,36 руб

На основании изложенного ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в пос. Эркен-Шахар просил суд расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ Взыскать солидарно с Казакова Х.М., ДД.ММ.ГГГГ года рождения; Казакова Р.Ю., ДД.ММ.ГГГГ года рождения; Итляшева Р.М., ДД.ММ.ГГГГ года рождения и Керейтова Л.М., ДД.ММ.ГГГГ года рождения в пользу ОАО «Россельхозбанк» в лице Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в пос. Эркен-Шахар задолженность по кредитному договору в размере <данные изъяты> руб. 22 коп, в том числе:

Остаток ссудной задолженности - <данные изъяты>,86 руб.

Просроченная часть основного долга - <данные изъяты>,03 руб.

Просроченные проценты - <данные изъяты>,30 руб.

А также расходы по оплате государственной пошлины в размере - <данные изъяты>,36 руб

         В судебном заседании, представитель истца - ОАО «Росселхозбанк» (далее Банк» Харзинова А.М. требования, изложенные в исковом заявлении подержала в полном объеме и просила суд удовлетворить их в полном объеме.

        Ответчики Казаков Х.М., Казаков Р.Б., Итляшев Р.М и Керейтов Л.М. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует 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. При этом представитель истца не возражал против рассмотрения дела в отсутствие ответчиков.         В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

        Выслушав представителя истца, 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, 22 июня 2009 года между Открытым Акционерным Обществом «Российский сельскохозяйственный банк» и гражданином Казаковым Х.М. (далее - ответчик) заключен Кредитный договор __№__ (Далее - Кредитный договор). В силу Кредитного договора Ответчик принял 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 17 % годовых (п.п. 1.2., 1.3. Кредитного договора). Срок возврата Кредита установлен пунктом 1.5 кредитного договора - 10 июня 2014, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в а.Адыге-Хабль) (Кредитор) и Казаковым Р.Ю. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Казаковым Х.М. своих обязательств по кредитному договору __№__;

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в а.Адыге-Хабль) (Кредитор) и Итляшевым Р.М. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Казаковым Х.М. своих обязательств по кредитному договору __№__;

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в а.Адыге-Хабль) (Кредитор) и Керейтовым Л.М. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Казаковым Х.М. своих обязательств по кредитному договору __№__;

Мемориальным ордером __№__ от ДД.ММ.ГГГГ, согласно которому на лицевой счет __№__ Казакова Х.М. переведено по кредитному договору __№__ от ДД.ММ.ГГГГ по<адрес>% годовых для приобретения с/х животных <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 Казаков Х.М., Казаков Р.Б., Итляшев Р.М и Керейтов Л.М. подписав указанные документы 22 июня 2009 года, 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 17 % годовых (п.п. 1.2., 1.3. Кредитного договора). В соответствии с п. 4.2.1 Кредитного договора Ответчик (Казаков Х.М.) обязался 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 Ответчиком не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету за «11» июля 2011 года и ДД.ММ.ГГГГ. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчиком несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на 13 марта 2012 года у Казакова Х.М. образовалась задолженность в сумме <данные изъяты>) рублей 22 копеек. Письмом     Ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «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, ответчик Казаков Х.М. свое обязательство по погашению кредита не выполнил. 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 __№__, __№__,__№__ от ДД.ММ.ГГГГ.

В соответствии со ст. 450 ГК РФ основанием расторжения договора является существенные нарушения договора другой стороной. Существенным признается нарушение одной из сторон, которое влечет для другой стороны такой ущерб, что она в значительной степени лишается того, на что была вправе рассчитывать при заключении договора. В соответствии с п.7.2 Кредитного договора при одностороннем расторжении кредитного договора, существующие к тому моменту обязательства Сторон, сохраняют силу до их полного выполнения.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным расторгнуть кредитный договор __№__ от ДД.ММ.ГГГГ и взыскать с Казакова Х.М.,, солидарно с Казакова Р.Ю., Итляшева Р.М. и Керейтова Л.М. в пользу ОАО «Россельхозбанк» 478 236 рублей 22 копеек в том числе: Остаток ссудной задолженности - <данные изъяты>,86 руб.

Просроченная часть основного долга - <данные изъяты>,03 руб.

Просроченные проценты - <данные изъяты>,30 руб.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Россельхозбанк» расходов по уплате государственной пошлины в размере <данные изъяты> руб. 36 копеек, оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст. 98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

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

РЕШИЛ:

Исковые требования Открытого Акционерного Общества «Российский Сельскохозяйственный банк» к Казакову Х.М., Казакову Р.Ю., Итляшеву Р.М. и Керейтову Л.М. о расторжении кредитного договора и взыскании задолженности - удовлетворить.

Кредитный договор __№__ от 22 июня 2009 года - расторгнуть.

Взыскать с Казакова Х.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес> СОЛИДАРНО с Казакова Р.Ю., ДД.ММ.ГГГГ года рождения, уроженца <адрес> <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Итляшева Р.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес> <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, аул Адиль-Халк, <адрес>, Керейтова Л.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район <адрес> «Российский Сельскохозяйственный банк» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ в размере <данные изъяты> рублей 22 копеек.

Взыскать с Казакова Х.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес> <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, а<адрес> СОЛИДАРНО с Казакова Р.Ю., ДД.ММ.ГГГГ года рождения, уроженца аула Адыге-Хабль <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, Итляшева Р.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес> <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, аул Адиль-Халк, <адрес>, Керейтова Л.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район <адрес>, <адрес> «Российский Сельскохозяйственный банк» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) руб. 36 копеек.

Ответчики вправе подать в Адыге-Хабльский районный суд заявление об отмене настоящего решения в течение семи дней со дня получения копии этого решения.

Решение может быть обжаловано сторонами в апелляционном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в течение месяца по истечении срока подачи ответчиком заявления об отмене настоящего решения, а в случае, если такое заявление ответчиком будет подано, в течение месяца, со дня вынесения определения суда об отказе в удовлетворении этого заявления.

Председательствующий по делу     подпись

Судья Адыге-Хабльского районного суда Косов Ю.А.