Решение по делу № 2-117/2013 ~ М-124/2013 от 24.01.2013

                                                                                                         Гражданское дело __№__

Заочное решение Именем Российской Федерации

4 марта 2013 года                                                                      аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской Республики

в составе:

председательствующего судьи Туаршев Я.А.,

с участием представителя истца - ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> Кякова А.Н., предъявившего доверенность __№__ от ДД.ММ.ГГГГ,

при секретаре Агировой Б.А.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> к Тлюняеву Б.В., Папшуову Р.Р., Аганову А.М. и Выкову А.Э. о взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ,

установил:

             Открытое Акционерное Общество «Российский Сельскохозяйственный банк» в лице Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Тлюняеву Б.В., Папшуову Р.Р., Аганову А.М. и Выкову А.Э. о взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ. Свои требования Общество обосновало тем, что ДД.ММ.ГГГГ между ОАО «Россельхозбанк» (далее - кредитор) и гражданином ведущим личное подсобное хозяйство, Тлюняевым Б.В. (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 <данные изъяты> годовых (п.п.1.2., 1.3. кредитного договора). Предоставление ответчику кредитных денежных средств, подтверждается мемориальным ордером __№__ от ДД.ММ.ГГГГ и выпиской по лицевому счету от ДД.ММ.ГГГГ.

В соответствии с п.4.2.1 кредитного 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, что подтверждается выписками по лицевому счету за ДД.ММ.ГГГГ и выпиской по лицевому счету за ДД.ММ.ГГГГ.

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 ответчика уплаты части задолженности, по состоянию на ДД.ММ.ГГГГ в размере: <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, срочные проценты - <данные изъяты> и просроченные проценты - <данные изъяты>

В обеспечение исполнения обязательств по кредитному договору __№__ от ДД.ММ.ГГГГ, между ОАО «Россельхозбанк» и: Выковым А.Э., заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ; Папшуовым Р.Р., заключен договор поручительства физического лица __№__ от ДД.ММ.ГГГГ; Агановым А.М., 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.

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 ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> просил суд взыскать с Тлюняева Б.В. проживающего по адресу: <адрес>, Папшуова Р.Р., проживающего по адресу: <адрес>, Аганова А.М. проживающего по адресу: <адрес> и Выкова А.Э., проживающего по адресу: <адрес> в пользу ОАО «Россельхозбанк» солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, срочные проценты - <данные изъяты> и просроченные проценты - <данные изъяты>, а так же взыскать расходы по уплате государственной пошлины в размере <данные изъяты>.

В судебном заседании Кяков А.Н., поддержал в полном объеме требования изложенные в исковом заявлении и просил суд взыскать с Тлюняева Б.В. проживающего по адресу: <адрес>, Папшуова Р.Р., проживающего по адресу: <адрес> Аганова А.М. проживающего по адресу: <адрес> и Выкова А.Э., проживающего по адресу: <адрес> в пользу ОАО «Россельхозбанк» солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, срочные проценты - <данные изъяты> и просроченные проценты - <данные изъяты>, а так же взыскать с ответчиков в пользу ОАО «Россельхозбанк» Дополнительный офис Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль расходы по уплате государственной пошлины в размере <данные изъяты>.

Ответчики Тлюняев Б.В., Папшуов Р.Р., Аганов А.М. и Выков А.Э. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствуют поступившие уведомления о вручении извещения. О причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, что в силу ст.233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. При этом, представитель истца Кяков А.Н. 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 - Кякова А.Н., 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 <адрес> и Тлюняевым Б.В. 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 <адрес>) (кредитор) и Выковым А.Э. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Тлюняевым Б.В. своих обязательств по кредитному договору __№__; договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в <адрес>) (кредитор) и Папшуовым Р.Р. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Тлюняевым Б.В. своих обязательств по кредитному договору __№__; договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в <адрес>) (кредитор) и Агановым А.М. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Тлюняевым Б.В. своих обязательств по кредитному договору __№__; мемориальным ордером __№__ от ДД.ММ.ГГГГ, согласно которому на лицевой счет __№__ Тлюняева Б.В. переведено по кредитному договору __№__ от ДД.ММ.ГГГГ под <данные изъяты> 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 Тлюняев Б.В., Папшуов Р.Р., Аганов А.М. и Выков А.Э. 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 <данные изъяты> годовых (п.п.1.2., 1.3. кредитного договора). В соответствии с п.4.2.1 кредитного договора ответчик (Тлюняев Б.В.) 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 ДД.ММ.ГГГГ 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 ДД.ММ.ГГГГ у Тлюняева Б.В. образовалась задолженность в сумме <данные изъяты>.

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 Тлюняев Б.В. свои обязательства 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 __№__, __№__ 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 взыскать с Тлюняева Б.В., Папшуова Р.Р., Аганова А.М. и Выкова А.Э. в пользу ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, срочные проценты - <данные изъяты> и просроченные проценты - <данные изъяты>

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> расходов по уплате государственной пошлины в размере <данные изъяты>, 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» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в <адрес> к Тлюняеву Б.В., Папшуову Р.Р., Аганову А.М. и Выкову А.Э. о взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ удовлетворить.

Взыскать с Тлюняева Б.В., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес> Папшуова Р.Р., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, проживающего по адресу: <адрес> Аганова А.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес> и Выкова А.Э., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес> в пользу ОАО «Россельхозбанк» солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, срочные проценты - <данные изъяты> и просроченные проценты - <данные изъяты>.

Взыскать с Тлюняева Б.В., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес>, Папшуова Р.Р., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес> Аганова А.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, проживающего по адресу: <адрес> и Выкова А.Э., ДД.ММ.ГГГГ года рождения, уроженца <адрес> проживающего по адресу: <адрес> в пользу ОАО «Россельхозбанк» в счет возмещения судебных расходов по оплате государственной пошлины солидарно сумму в размере <данные изъяты>.

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

Заочное 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.

Федеральный судья

Адыге-Хабльского районного суда КЧР          Туаршев Я.А.