РЕШЕНИЕ

(Заочное)

Именем Российской Федерации

ДД.ММ.ГГГГ                                                                                    а.Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

представителей истца ОАО «Сбербанк России» - Овсиенко Д.Е. (доверенность __№__ от ДД.ММ.ГГГГ года) и Близнюк Ж.С. (доверенность __№__ от ДД.ММ.ГГГГ года)

рассмотрев в открытом судебном заседании в помещении суда гражданское дело по иску ОАО «Сбербанк России» к Шумахову Э.Б., Ешеровой Ф.А-А. и Хыбыртову Т.К. о взыскании задолженности по кредитному договору,

УСТАНОВИЛ:

ОАО «Сбербанк России» обратилось в суд с исковым заявлением к Шумахову Э.Б., Ешеровой Ф.А-А. и Хыбыртову Т.К. о взыскании задолженности по кредитному договору. Свои исковые требования обосновало тем, что ДД.ММ.ГГГГ между ОАО «Сбербанк России» (кредитор) и Шумаховым ЭБ (заёмщик) был заключён кредитный договор __№__, по которому заёмщик получил кредит на цели личного потребления в размере <данные изъяты> руб., на срок по ДД.ММ.ГГГГ под 17 % годовых.

В качестве обеспечения своевременного и полного возврата кредита и уплаты процентов предоставлены поручительства Ешеровой Ф.А-А, Хыбыртова ТК Согласно заключенному договору поручители обязались отвечать за исполнение Шумахова ЭБ всех его обязательств.

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

Неоднократные напоминания кредитной службы Банка о немедленном погашении кредита результатов не дали. Согласно кредитному договору __№__, а также договорам поручительства заключенным между Банком и указанными выше лицами, определена ответственность заемщика по кредиту, а также в качестве обеспечения своевременного, полного возврата кредита и уплаты процентов установлена полная солидарная ответственность поручителей. Заключенные между кредитором и поручителями договоры поручительства предусматривают полную солидарную ответственность поручителей. Ответственность поручителей 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 Шумахова ЭБ и поручителей по кредитному договору __№__ от ДД.ММ.ГГГГ Ешеровой Ф.А-А, Хыбыртова Т.К. в пользу ОАО «Сбербанка России» сумму долга в размере 61 525,90 руб. и сумму уплаченной государственной пошлины в размере 2 046 руб., солидарно.

         В судебном заседании, представители истца - ОАО «Сбербанк России» (далее Банк») Близнюк Ж.С. и Овсиенко Д.Е. требования, изложенные в исковом заявленииподержали в и просили суд удовлетворить их в полном объеме.

        Ответчики Шумахов ЭБ, Ешерова Ф.А-А и Хыбыртов Т.К. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещения. О причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, что в силу ст. 233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. При этом представители истца не возражал против рассмотрения дела в отсутствие ответчиков.         В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

        Выслушав представителей истца, изучив материалы дела, суд считает иск подлежащим удовлетворению по следующим основаниям:

         В соответствии с пунктом 1 статьи 819 ГК РФ по кредитному договору банк или иная кредитная организация (кредитор) обязуются предоставить денежные средства (кредит) заемщику в размере и на условиях, предусмотренных договором, а заемщик обязуется возвратить полученную денежную сумму и уплатить проценты на нее.

Как установлено в судебном заседании, ДД.ММ.ГГГГ между Открытым Акционерным Обществом «Акционерный коммерческий Сберегательным банк Российской Федерации» в лице Карачаево-Черкесского отделения __№__ и Шумаховым Э.Б. заключен кредитный договор __№__, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица __№__ от 19,05,2008 года, заключенного между ОАО «Сбербанк России» (Кредитор) и Ешеровой Ф.А-А. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Шумаховым Э.Б. своих обязательств по кредитному договору __№__;

Договором поручительства физического лица __№__ от 19,05,2008 года, заключенного между ОАО «Сбербанк России» (Кредитор) и Хыбыртовым Т.К. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Шумаховым Э.Б. своих обязательств по кредитному договору __№__;

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 Шумахов ЭБ, Ешерова Ф.А-А и Хыбыртов Т.К. 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 (Шумахов Э.Б.) обязался 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 Шумахова Э.Б. образовалась задолженность в сумме <данные изъяты>) рублей 90 коп. Об образовавшейся перед банком задолженности Шумахову Э.Б., Ешеровой Ф.А-А. и Хыбыртову Т.К. было сообщено ДД.ММ.ГГГГ вышеуказанным Требованием (копии почтовых отправлений по адресам ответчиков) 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. 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 Шумахов Э.Б. свое обязательство по погашению кредита не выполнил. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

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

В соответствии с ч. 2 ст. 363 Гражданского процессуального кодекса РФ, поручитель отвечает перед кредитором в том же объеме, как и должник, в том числе возмещает судебные издержки по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, что также предусмотрено п.п. 1.1, 2.1 договоров 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 Шумахова Э.Б., солидарно с Ешеровой Ф.А-А. и Хыбыртова Т.К. в пользу Карачаево-Черкесского отделения № 8585 ОАО «Сбербанк России» <данные изъяты>) рублей 90 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 2046 (двух тысяч сорока шести) 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.

               

На основании изложенного, руководствуясь ст. ст. 98, 194-199, 233-235, 237 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 Шумахову Э.Б., Ешеровой Ф.А-А. и Хыбыртову Т.К. о взыскании задолженности по кредитному договору удовлетворить.

Взыскать с Шумахова Э.Б., ДД.ММ.ГГГГ года рождения, уроженца аула <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, <адрес>, СОЛИДАРНО с Ешеровой Ф.А-А., ДД.ММ.ГГГГ года рождения, уроженки аула <адрес>, зарегистрированной по адресу: КЧР, <адрес>, <адрес>, Хыбыртова Т.К., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, <адрес> «а» 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 90 коп.

Взыскать с Шумахова Э.Б., ДД.ММ.ГГГГ года рождения, уроженца аула <адрес>, зарегистрированного по адресу: КЧР, Адыге-Хабльский муниципальный район, <адрес>, <адрес>, СОЛИДАРНО с Ешеровой Ф.А-А., ДД.ММ.ГГГГ года рождения, уроженки аула <адрес>, зарегистрированной по адресу: КЧР, Карачаевский муниципальный район, <адрес>, Хыбыртова Т.К., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированного по адресу: КЧР, <адрес> «а» 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.

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

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

Председательствующий по делу     

Судья Адыге-Хабльского районного суда Косов Ю.А.