«Сбербанк России» обязали вернуть клиенту деньги за ведение ссудного счета

{"ID":"412640","~ID":"412640","TAGS":"суд, сбербанк, калининградская область, кредит, ссудный счет","~TAGS":"суд, сбербанк, калининградская область, кредит, ссудный счет","NAME":"«Сбербанк России» обязали вернуть клиенту деньги за ведение ссудного счета","~NAME":"«Сбербанк России» обязали вернуть клиенту деньги за ведение ссудного счета","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"1355","~IBLOCK_SECTION_ID":"1355","DETAIL_TEXT":"\r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EСуд обязал \u0026laquo;Сбербанк России\u0026raquo; вернуть своей клиентке деньги, которые он взимал с нее за ведение ссудного счета. Как сообщает пресс-служба суда города Гусева, к ним с иском против банка обратилась жительница области. В 2008 году она заключила с банком кредитный договор на 260 тыс. руб. под 18% годовых, который погасила в мае 2010 года. При этом одним из условий договора было то, что банк открывал на ее имя ссудный счет, за обслуживание которого женщина должна была единовременно заплатить 5,2 тыс. руб. не позднее даты выдачи кредита. \u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EИстица просила суд признать это условие договора недействительным, взыскать с банка в ее пользу 5,2 тыс. руб., а также проценты за пользование чужими денежными средствами исходя из ставки рефинансирования 7,75%. Впоследствии женщина свои требования к банку увеличила и уже просила установить проценты из расчета ставки рефинансирования в 11%, а также выплатить ей 10 тыс. руб. компенсации за моральный ущерб.\u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EВ ответ представитель банка в суде заявил, что подписав договор, истица соглашалась на все его условия, включая оплату комиссии за обслуживание ссудного счета.\u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EОднако суд согласился с требованиями истицы и признал такое условие договора недействительным. Суд указал, что согласно правилам ведения бухгалтерского учета, открытие и введение ссудного счета являются действиями, которые банк обязан совершить для предоставления и погашения кредита. Таким образом, взимание банком денег за обслуживание ссудного счета не может рассматриваться как самостоятельная банковская услуга, подлежащая дополнительной оплате. \u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EВ результате суд обязал Сбербанк вернуть женщине 5,2 тыс. руб., полученные им за ведение ссудного счета, а также проценты за пользование чужими денежными средствами, исходя из ставки рефинансирования в 7,75%. В компенсации морального ущерба истице было отказано.\u003C\/span\u003E\u003C\/div\u003E\r\n","~DETAIL_TEXT":"\r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EСуд обязал \u0026laquo;Сбербанк России\u0026raquo; вернуть своей клиентке деньги, которые он взимал с нее за ведение ссудного счета. Как сообщает пресс-служба суда города Гусева, к ним с иском против банка обратилась жительница области. В 2008 году она заключила с банком кредитный договор на 260 тыс. руб. под 18% годовых, который погасила в мае 2010 года. При этом одним из условий договора было то, что банк открывал на ее имя ссудный счет, за обслуживание которого женщина должна была единовременно заплатить 5,2 тыс. руб. не позднее даты выдачи кредита. \u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EИстица просила суд признать это условие договора недействительным, взыскать с банка в ее пользу 5,2 тыс. руб., а также проценты за пользование чужими денежными средствами исходя из ставки рефинансирования 7,75%. Впоследствии женщина свои требования к банку увеличила и уже просила установить проценты из расчета ставки рефинансирования в 11%, а также выплатить ей 10 тыс. руб. компенсации за моральный ущерб.\u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EВ ответ представитель банка в суде заявил, что подписав договор, истица соглашалась на все его условия, включая оплату комиссии за обслуживание ссудного счета.\u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EОднако суд согласился с требованиями истицы и признал такое условие договора недействительным. Суд указал, что согласно правилам ведения бухгалтерского учета, открытие и введение ссудного счета являются действиями, которые банк обязан совершить для предоставления и погашения кредита. Таким образом, взимание банком денег за обслуживание ссудного счета не может рассматриваться как самостоятельная банковская услуга, подлежащая дополнительной оплате. \u003C\/span\u003E\r\n  \u003Cbr \/\u003E\r\n\u003Cspan class=\u0022kobl-text-content\u0022\u003EВ результате суд обязал Сбербанк вернуть женщине 5,2 тыс. руб., полученные им за ведение ссудного счета, а также проценты за пользование чужими денежными средствами, исходя из ставки рефинансирования в 7,75%. 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