21 ноября 2011 года                                                                                    а.Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

представителя истца ОАО «Сбербанк России» - Бошкаева Н.А. (доверенность № 09/202824 от 30,08,2011 года),

ответчиков Семеновой Т.Г. и Семеновой Е.П.,

рассмотрев в открытом судебном заседании в помещении суда гражданское дело по иску ОАО «Сбербанк России» к Семеновой Т.Г. и Семеновой Е.П. о взыскании задолженности по кредитному договору,

УСТАНОВИЛ:

ОАО «Сбербанк России» обратилось в суд с исковым заявлением к Семеновой Т.Г. и Семеновой Е.П. о взыскании задолженности по кредитному договору. Свои исковые требования обосновало тем, что ДД.ММ.ГГГГ между ОАО «Сбербанк России» (кредитор) и Семеновой Т.Г. (заёмщик) был заключён кредитный договор __№__, по которому заёмщик получил кредит на неотложные нужды в размере <данные изъяты> руб., на срок по 26 августа 2013г. под 17 % годовых.

В качестве обеспечения своевременного и полного возврата кредита и уплаты процентов предоставлено поручительство Семеновой Е.П. Согласно заключенному договору поручитель обязался отвечать за исполнение Семеновой Т.Г. всех ее обязательств.

Кредитор свои обязательства по договору выполнил полностью, заёмщиком же обязательства не выполняются и на ДД.ММ.ГГГГ сумма долга Семеновой Т.Г. составляет - <данные изъяты> руб.

Неоднократные напоминания кредитной службы Банка о немедленном погашении кредита результатов не дали. Согласно кредитному договору __№__, а также договору поручительства заключенным между Банком и указанными выше лицами, определена ответственность заемщика по кредиту, а также в качестве обеспечения своевременного, полного возврата кредита и уплаты процентов установлена полная солидарная ответственность поручителей. Заключенные между кредитором и поручителем договор поручительства предусматривает полную солидарную ответственность поручителя. Ответственность поручителя перед кредитором за выполнение заемщиком условий кредитного договора __№__ определена в том же объеме, как и заемщика, включая уплату процентов за пользование кредитом и неустойки, возмещение судебных издержек по взысканию долга и других расходов кредитора, вызванных неисполнением или ненадлежащим исполнением обязательств по кредитному договору заемщиком.

При солидарной обязанности должников кредитор вправе требовать исполнения обязательства от всех должников совместно. На основании изложенного ОАО «Сбербанк России» просило суд взыскать с заёмщика Семеновой Т.Г. и поручителя по кредитному договору __№__ от ДД.ММ.ГГГГ Семеновой Е.П. в пользу ОАО «Сбербанка России» сумму долга в размере 50117,96 руб. и сумму уплаченной государственной пошлины в размере 1704руб., солидарно.

         В судебном заседании, представитель истца - ОАО «Сбербанк России» (далее Банк») Бошкаев Н.А. требования, изложенные в исковом заявленииподержал и просил суд удовлетворить их в полном объеме.

        Ответчики Семенова Т.Г. и Семенова Е.П. в судебном заседании с исковыми требованиями истца согласились и не возражали в их удовлетворении.

        Выслушав представителя истца, ответчиков и 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 «Акционерный коммерческий Сберегательным банк Российской Федерации» в лице Карачаево-Черкесского отделения № 8585 и Семеновой Т.Г. заключен кредитный договор __№__, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ года, заключенного между ОАО «Сбербанк России» (Кредитор) и Семеновой Е.П. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение

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 договором поручительства, ответчики Семенова Т.Г. и Семенова Е.П. подписав указанные документы ДД.ММ.ГГГГ, согласились с тем, что приняли на себя обязательство возвратить ОАО «Сбербанк России» денежные средства, полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 17 % годовых (п.п. 1.1.,. Кредитного договора). В соответствии с п. 4.1 Кредитного договора Ответчик (Семенова Т.Г.) обязалась осуществлять погашение Кредита (основного долга) равными долями одновременно с уплатой процентов за пользование Кредитом в соответствии с порядком погашения Кредита (основного долга). Однако свои обязательства Ответчиком не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается Требованием о возврате суммы кредита, процентов за пользование кредитом и уплате неустойки. 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 Семеновой Т.Г. образовалась задолженность в сумме <данные изъяты>) рублей 96 коп. Об образовавшейся перед банком задолженности Семеновой Т.Г. и Семеновой Е.П.было сообщено ДД.ММ.ГГГГ вышеуказанным Требованием (копии почтовых отправлений по адресам ответчиков от ДД.ММ.ГГГГ) Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «Сбербанк России» был соблюден досудебный порядок урегулирования спора.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный, 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 Семенова Т.Г. свое обязательство по погашению кредита не выполнила. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст. 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. 1.1, 2.1 договором поручительства __№__ 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 Семеновой Т.Г., солидарно с Семеновой Е.П. в пользу Карачаево-Черкесского отделения № 8585 ОАО «Сбербанк России» <данные изъяты> рублей 96 коп.

В части взыскания с ответчиков в пользу Карачаево-Черкесского отделения № 8585 Открытого Акционерного Общества «Акционерный коммерческий Сберегательным банк Российской Федерации» расходов по уплате государственной пошлины в размере <данные изъяты>) рублей, оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст. 98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

         При вышеизложенных обстоятельствах, а также учитывая то, что исковые требования признаны ответчиками ( ч. 3 ст. 173 ГПК РФ «при признании ответчиком иска и принятии его судом принимается решение об удовлетворении заявленных истцом требований»).      

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

РЕШИЛ:

Исковые требования Карачаево-Черкесского отделения № 8585 Открытого Акционерного Общества «Акционерный коммерческий Сберегательным банк Российской Федерации» к Семеновой Т.Г. и Семеновой Е.П. о взыскании задолженности по кредитному договору удовлетворить.

Взыскать с Семеновой Т.Г., ДД.ММ.ГГГГ года рождения, уроженки города <адрес>, зарегистрированноой по адресу: КЧР, Ногайский муниципальный район, <адрес>, СОЛИДАРНО с Семеновой Е.П., ДД.ММ.ГГГГ года рождения, зарегистрированной по адресу: КЧР, Ногайский муниципальный район, <адрес>, <адрес>, в пользу Карачаево-Черкесского отделения № 8585 Открытого Акционерного Общества «Акционерный коммерческий Сберегательным банк Российской Федерации» задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ в размере <данные изъяты> рублей 96 коп.

Взыскать с Семеновой Т.Г., ДД.ММ.ГГГГ года рождения, уроженки города <адрес>, зарегистрированноой по адресу: КЧР, Ногайский муниципальный район, а<адрес>, <адрес>, СОЛИДАРНО с Семеновой Е.П., ДД.ММ.ГГГГ года рождения, зарегистрированной по адресу: КЧР, Ногайский муниципальный район, а. <адрес> <адрес> в пользу Карачаево-Черкесского отделения № 8585 Открытого Акционерного Общества «Акционерный коммерческий Сберегательным банк Российской Федерации» в счет возмещения судебных расходов по оплате государственной пошлины сумму в размере <данные изъяты>) рублей.

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

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