trực tiếp bóng đá hôm nayJudgement No. 15/2018/DS-ST dated november 9, 2018 on a credit agreement

trực tiếp bóng đá hôm nay PEOPLE'S COURT OF QUANG BINH PROVINCE

JUDGEMENT NO. 15/2018/DS-ST DATED NOVEMBER 9, 2018 ON A CREDIT AGREEMENT

On November 9, 2018, at trực tiếp bóng đá hôm nay civil court room in trực tiếp bóng đá hôm nay head office of trực tiếp bóng đá hôm nay People’s Court of Quang Binh province, a first instance trial was conducted to hear trực tiếp bóng đá hôm nay civil case No.  01/2018/TLSTS dated January 10, 2018 on trực tiếp bóng đá hôm nay credit agreement dispute according to trực tiếp bóng đá hôm nay Decision to Bring trực tiếp bóng đá hôm nay Case to Trial No. 251/2018/QD-ST dated March 3, 2018, between:

- Petitioner: trực tiếp bóng đá hôm nay Bank B - Address: Tower B1, street V, district H, Hanoi. Legal representative: Mr. Phan Duc T - Director General  of Bank V Vietnam.

Authorized representative: Mr. Nguyen Phuc M, position: Head of Risk Management Office - Bank B Vietnam - Branch Q (according to trực tiếp bóng đá hôm nay Decision No. 464/QD-B.Q dated March 1, 2018 of trực tiếp bóng đá hôm nay Director of Bank B Vietnam, Branch Q). Present;

- Respondent: Mrs. Vo Thi Thanh T, born in 1979

Registered permanent residence before emigration: S2, ward D, city H1, Quang Binh province, currently residing abroad. Absent.

FINDING THAT

Representation of trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, in trực tiếp bóng đá hôm nay lawsuit petition dated November 21, 2017 and voluntary statement dated January 26, 2018: On January 20, 2016, Mrs. Vo Thi Thanh T signed trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD with transaction office D1, Bank B Vietnam - Quang Binh Branch (hereinafter referred to as B Quang Binh) to take out a loan of VND 58,000,000 (in words: fifty eight million dong), with loan maturity: 40 months, with personal consumption purpose; lending interest rate: variable under trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD.

Mrs. Vo Thi Thanh T (a clerk working for Quang Binh Preventive Medical Center) secured her debt repayment by her monthly income and bonuses paid by trực tiếp bóng đá hôm nay employer. Loan application letter of Mrs. Vo Thi Thanh T bears trực tiếp bóng đá hôm nay certification of her monthly income paid by Quang Binh Preventive Medical Center . Total loan amount which Mrs. Vo Thi Thanh T received from B Quang Binh was VND 58,000,000 according to trực tiếp bóng đá hôm nay statement of drawdown dated January 20, 2016. During trực tiếp bóng đá hôm nay credit agreement period, Mrs. Vo Thi Thanh T failed to abide by trực tiếp bóng đá hôm nay terms and conditions in trực tiếp bóng đá hôm nay credit agreement signed with B Quang Binh and incurred overdue debt with total of principal, interest and fees, provisionally calculated until August 14, 2017 is: VND 53,986,309 (including principal of VND 47,467,878, interest due: VND 6,087,970 and overdue interest: VND 430,461).

All this sum of Mrs. Vo Thi Thanh T is currently deemed as bad debt, which is subject matter in Resolution No. 42/2017/QH14 of trực tiếp bóng đá hôm nay National Assembly dated June 21, 2017 on pilot settlement of bad debts of credit institutions. B Quang Binh sent a notice of overdue debt to Mrs. Vo Thi Thanh T but she was absent from her place of residence. According to trực tiếp bóng đá hôm nay Official Dispatch No. 834/CTA-PA72 (D1) dated August 23, 2017 of Police of Quang Binh province, on June 7, 2016, Mrs. Vo Thi Thanh T emigrated abroad through Noi Bai international airport and there is no information about immigration.

In order to collect trực tiếp bóng đá hôm nay debt, Bank B requests trực tiếp bóng đá hôm nay People’s Court of Quang Binh province to force Mrs. Vo Thi Thanh T to repay B Quang Binh VND 53,986,309 and interest and fine accrued under trực tiếp bóng đá hôm nay credit agreement concluded between Mrs. Vo Thi Thanh T and B Quang Binh until trực tiếp bóng đá hôm nay debt is fully repaid.

With respect to trực tiếp bóng đá hôm nay respondent, Mrs. Vo Thi Thanh T: After trực tiếp bóng đá hôm nay case was accepted, trực tiếp bóng đá hôm nay People’s Court of Quang Binh province sent trực tiếp bóng đá hôm nay notice of acceptance to Mrs. Vo Thi Thanh T and duly served subpoenas, notice of meeting opening, reconciliation meetings, decision to bring trực tiếp bóng đá hôm nay case to trial to Mrs. Vo Thi Thanh T at her address of S2, ward D, city H1, Quang Binh province, but she was absent so they were not received. On January 10, 2018, trực tiếp bóng đá hôm nay court conducted verification of place of residence of Mrs. Vo Thi Thanh T and trực tiếp bóng đá hôm nay local government provided information that she no longer resided there. trực tiếp bóng đá hôm nay court put up court's papers at trực tiếp bóng đá hôm nay registered permanent residence of Mrs. Vo Thi Thanh T before her emigration, which is S2, ward D and at trực tiếp bóng đá hôm nay People’s Committee of ward D, and at trực tiếp bóng đá hôm nay head office of trực tiếp bóng đá hôm nay People’s Court of Quang Binh province as prescribed in Article 173, 177, 179 of trực tiếp bóng đá hôm nay Civil Procedure Code. Therefore, trực tiếp bóng đá hôm nay respondent Mrs. Vo Thi Thanh T gives no opinion.

Opinion of trực tiếp bóng đá hôm nay representative of trực tiếp bóng đá hôm nay People’s Procuracy in trực tiếp bóng đá hôm nay court hearing: trực tiếp bóng đá hôm nay Judge and Trial Panel have complied with regulations of trực tiếp bóng đá hôm nay Civil Procedure Code. Request trực tiếp bóng đá hôm nay Trial Panel to apply Clause 3 Article 474; Clause 5 Article 477 of trực tiếp bóng đá hôm nay Civil Procedure Code to accept trực tiếp bóng đá hôm nay lawsuit petition of trực tiếp bóng đá hôm nay petitioner, Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV), to repay trực tiếp bóng đá hôm nay bank: VND 61,457,807; Mrs. Vo Thi Thanh T has to pay trực tiếp bóng đá hôm nay court fee as per trực tiếp bóng đá hôm nay law.

JUDGEMENT OF trực tiếp bóng đá hôm nay COURT

[1] With reference to jurisdiction:

According to trực tiếp bóng đá hôm nay lawsuit petition dated November 21, 2017 of trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam: On January 20, 2016, Mrs. Vo Thi Thanh T, born in 1979 - registered permanent residence: S2, ward D, city H1, Quang Binh province concluded trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD with trực tiếp bóng đá hôm nay Bank to take out a loan. During trực tiếp bóng đá hôm nay credit agreement period, Mrs. Thuy failed to abide by trực tiếp bóng đá hôm nay terms and conditions and emigrated abroad with unknown address. According to trực tiếp bóng đá hôm nay Official Dispatch No. 834/CTA-PA72 (D1) dated August 23, 2017of Police of Quang Binh province, on June 7, 2016, Mrs. Vo Thi Thanh T emigrated abroad through Noi Bai international airport with trực tiếp bóng đá hôm nay passport No. B893567 and there is no information about immigration. So, Mrs. Vo Thi Thanh T has currently not presented in Vietnam. In order to collect trực tiếp bóng đá hôm nay debt, trực tiếp bóng đá hôm nay Bank filed a lawsuit claiming Mrs. Vo Thi Thanh T to repay her debt. Pursuant to Clause 3 Article 26; Clause 3 Article 35 of trực tiếp bóng đá hôm nay Civil Procedure Code 2015; Point a Clause 2 Article 6 ofNghị quyết 04/2017/NQ-HĐTP hướngdated May 5, 2017 of trực tiếp bóng đá hôm nay Council of Judges of trực tiếp bóng đá hôm nay Supreme People’s Court, trực tiếp bóng đá hôm nay People’s Court of Quang Binh province accepted trực tiếp bóng đá hôm nay case within its jurisdiction.

[2] With reference to court procedures: After accepting trực tiếp bóng đá hôm nay case, trực tiếp bóng đá hôm nay People’s Court of Quang Binh province duly served court’s papers as prescribed in Article 474, 476 of trực tiếp bóng đá hôm nay Civil Procedure Code, in specific: trực tiếp bóng đá hôm nay notice of case acceptance based on trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, and documents related to trực tiếp bóng đá hôm nay case settlement, notices of meeting opening, reconciliation meeting to Mrs. T, but since she has resided abroad without detailed address, trực tiếp bóng đá hôm nay court failed to serve these papers to Mrs. T in person. trực tiếp bóng đá hôm nay court put up these papers at her registered permanent residence according to trực tiếp bóng đá hôm nay address mentioned in trực tiếp bóng đá hôm nay credit agreement: S2, ward D, city H1, Quang Binh province, at trực tiếp bóng đá hôm nay head office of trực tiếp bóng đá hôm nay People’s Court of Quang Binh province, and post on website of VOVworld of Voice of Vietnam from May 17 to 19, 2018.

On October 10, 2018, trực tiếp bóng đá hôm nay People’s Court of Quang Binh province opened a court hearing, trực tiếp bóng đá hôm nay respondent Mrs. Vo Thi Thanh T was absent. So, pursuant to Article 227, Article 233, Article 235, Article 476, trực tiếp bóng đá hôm nay court adjourned trực tiếp bóng đá hôm nay hearing.

At today’s court hearing, November 9, 2018, Mrs. Vo Thi Thanh T is still absent. Pursuant to Article 476; Point b Clause 5 Article 477 of trực tiếp bóng đá hôm nayCivil Procedure Code, trực tiếp bóng đá hôm nay court conducts trực tiếp bóng đá hôm nay trial.

[3] With reference to content:

On January 20, 2016, Mrs. Vo Thi Thanh T signed trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD with transaction office D1, Bank B Vietnam - Quang Binh Branch (hereinafter referred to as B Quang Binh) to take out a loan of VND 58,000,000, loan maturity: 40 months, consumption purpose; lending interest rate: variable under trực tiếp bóng đá hôm nay agreement. At trực tiếp bóng đá hôm nay borrowing time, Mrs. Vo Thi Thanh T is a clerk of Quang Binh Preventive Medical Center ). So, she secured her debt repayment by her monthly income and bonuses paid by trực tiếp bóng đá hôm nay employer, which is certified in trực tiếp bóng đá hôm nay loan application letter. On January 20, 2016, Mrs. Vo Thi Thanh T withdrew trực tiếp bóng đá hôm nay loan from B Quang Binh of VND 58,000,000 to trực tiếp bóng đá hôm nay account No. 531.82000 401790 as mentioned in trực tiếp bóng đá hôm nay statement of drawdown/credit agreement signed by Mrs. Vo Thi Thanh T (case file p. 09). So, trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD was concluded with format and content in accordance with laws and regulations and was executed since January 20, 2016.

During trực tiếp bóng đá hôm nay execution, Mrs. Vo Thi Thanh T failed to abide by its terms and conditions and incurred overdue debt since September 26, 2016 (according to trực tiếp bóng đá hôm nay statement of B Quang Binh). At trực tiếp bóng đá hôm nay borrowing time, Mrs. Vo Thi Thanh T secured her debt repayment by her monthly income and bonuses paid by Quang Binh Preventive Medical Center . However, according to trực tiếp bóng đá hôm nay Decision No. 241/QD-YTDP dated July 12, 2016 of Quang Binh Preventive Medical Center  on disciplinary action against Mrs. Vo Thi Thanh T, since July 1, 2016, Mrs. Vo Thi Thanh T has no longer been a public employee of Quang Binh Preventive Medical Center  and she emigrated abroad without any notice to Bank B Vietnam.

Her failure to repay trực tiếp bóng đá hôm nay debt as agreed in trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD and her secured income no longer exists, thus, she defaulted on her loan. According to trực tiếp bóng đá hôm nay lawsuit petition and opinions of Mr. Nguyen Phuc M, trực tiếp bóng đá hôm nay petitioner’s authorized representative, requesting trực tiếp bóng đá hôm nay court to force Mrs. Vo Thi Thanh T to fully repay trực tiếp bóng đá hôm nay debt to Bank B Vietnam, trực tiếp bóng đá hôm nay Trial Panel considers that it is grounded to require Mrs. Vo Thi Thanh T to repay Bank B Vietnam, until November 9, 2018, trực tiếp bóng đá hôm nay amount of: VND 61,475,807, including trực tiếp bóng đá hôm nay principal of VND 47,467,878, interest of VND 14,007,929.

[3] With reference to court fee:

Pursuant to Article 147 of trực tiếp bóng đá hôm nay Civil Procedure Code; Clause 2 Article 26 of trực tiếp bóng đá hôm nay National Assembly Standing Committee's Resolution No. 326/2016/UBTVQH14 dated December 30, 2016 on court fees and charges, and exemption, reduction, collection, transfer, management and use thereof: Compel Mrs. Vo Thi Thanh T to pay VND 3,073,790 of first instance civil court fee

Since trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, is not obliged to pay trực tiếp bóng đá hôm nay court fee, it is refunded VND 1,350,000 of trực tiếp bóng đá hôm nay paid court fee advance according to trực tiếp bóng đá hôm nay receipt No. AA/2017/0004502 dated January 3, 2018 at Department of Civil Judgment Enforcement of Quang Binh province.

Pursuant to documents and evidence mentioned above;

HEREBY DECIDES

Pursuant to Point a Clause 3 Article 26; Point c Clause 1 Article 37; Article 464; Article 476 of trực tiếp bóng đá hôm nay Civil Procedure Code; Article 280; Article 281; Article 282; Article 351; Article 463, Article 466; Article 468 of trực tiếp bóng đá hôm nayCivil Code; Article 26 of trực tiếp bóng đá hôm nay National Assembly Standing Committee'sNghị quyết 326/2016/UBTVQH14 quydated December 30, 2016 on court fees and charges, and exemption, reduction, collection, transfer, management and use thereof, hereby judges:

1.Accept trực tiếp bóng đá hôm nay lawsuit petition of Bank B Vietnam (BIDV) to compel Mrs. Vo Thi Thanh T to repay B Quang Binh, until November 9, 2018, trực tiếp bóng đá hôm nay amount of: VND 61,475,807, including VND 47,467,878 of principal and VND 14,007,929 of interest.

2.Regarding court fee:  Compel Mrs. Vo Thi Thanh T to pay VND 3,073,790 of first instance civil court fee.

Refund Bank B Vietnam VND 1,350,000 of trực tiếp bóng đá hôm nay paid court fee advance according to trực tiếp bóng đá hôm nay receipt No. AA/2017/0004502 dated January 3, 2018 at Department of Civil Judgment Enforcement of Quang Binh province.

Following trực tiếp bóng đá hôm nay first instance pronouncement date (November 10, 2018) to trực tiếp bóng đá hôm nay date on which Mrs. Vo Thi Thanh T fully repays trực tiếp bóng đá hôm nay debt, she is obliged to pay trực tiếp bóng đá hôm nay interest on trực tiếp bóng đá hôm nay principal according to trực tiếp bóng đá hôm nay interest rate under trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD between transaction office D1, Bank B Vietnam - Quang Binh Branch.

In case trực tiếp bóng đá hôm nay judgment or court decision is enforced as per regulations in Article 2 of trực tiếp bóng đá hôm nayLuật thi đá bóng trực tiếp dân sự 2008, trực tiếp bóng đá hôm nay judgment creditor and judgment debtor are lawfully allowed to reach an agreement on judgment enforcement, request judgment enforcement, be subject to voluntary execution or coercive judgment enforcement in compliance with regulations in Article 6, 7 and 9 of trực tiếp bóng đá hôm nay Law on enforcement of civil judgments, and trực tiếp bóng đá hôm nay effective period of judgment enforcement shall comply within provisions in Article 30 of trực tiếp bóng đá hôm nay Law on enforcement of civil judgments.

Since trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, is present at trực tiếp bóng đá hôm nay court hearing, it is entitled to appeal this judgment within 15 days from trực tiếp bóng đá hôm nay first instance pronouncement date.

Since Mrs. Vo Thi Thanh T is absent at trực tiếp bóng đá hôm nay court hearing, she is entitled to appeal this judgment within 1 month from trực tiếp bóng đá hôm nay date on which trực tiếp bóng đá hôm nay judgment is duly posted up.