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

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

- Petitioner: lịch 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 lịch trực tiếp bóng đá hôm nay Decision No. 464/QD-B.Q dated March 1, 2018 of lịch 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 lịch trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, in lịch 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 lịch 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 lịch 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 lịch trực tiếp bóng đá hôm nay employer. Loan application letter of Mrs. Vo Thi Thanh T bears lịch 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 lịch trực tiếp bóng đá hôm nay statement of drawdown dated January 20, 2016. During lịch trực tiếp bóng đá hôm nay credit agreement period, Mrs. Vo Thi Thanh T failed to abide by lịch trực tiếp bóng đá hôm nay terms and conditions in lịch 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 lịch 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 lịch 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 lịch trực tiếp bóng đá hôm nay debt, Bank B requests lịch 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 lịch trực tiếp bóng đá hôm nay credit agreement concluded between Mrs. Vo Thi Thanh T and B Quang Binh until lịch trực tiếp bóng đá hôm nay debt is fully repaid.

With respect to lịch trực tiếp bóng đá hôm nay respondent, Mrs. Vo Thi Thanh T: After lịch trực tiếp bóng đá hôm nay case was accepted, lịch trực tiếp bóng đá hôm nay People’s Court of Quang Binh province sent lịch 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 lịch 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, lịch trực tiếp bóng đá hôm nay court conducted verification of place of residence of Mrs. Vo Thi Thanh T and lịch trực tiếp bóng đá hôm nay local government provided information that she no longer resided there. lịch trực tiếp bóng đá hôm nay court put up court's papers at lịch 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 lịch trực tiếp bóng đá hôm nay People’s Committee of ward D, and at lịch trực tiếp bóng đá hôm nay head office of lịch trực tiếp bóng đá hôm nay People’s Court of Quang Binh province as prescribed in Article 173, 177, 179 of lịch trực tiếp bóng đá hôm nay Civil Procedure Code. Therefore, lịch trực tiếp bóng đá hôm nay respondent Mrs. Vo Thi Thanh T gives no opinion.

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

JUDGEMENT OF lịch trực tiếp bóng đá hôm nay COURT

[1] With reference to jurisdiction:

According to lịch trực tiếp bóng đá hôm nay lawsuit petition dated November 21, 2017 of lịch 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 lịch trực tiếp bóng đá hôm nay credit agreement No. 01/2016/537455/HD with lịch trực tiếp bóng đá hôm nay Bank to take out a loan. During lịch trực tiếp bóng đá hôm nay credit agreement period, Mrs. Thuy failed to abide by lịch trực tiếp bóng đá hôm nay terms and conditions and emigrated abroad with unknown address. According to lịch 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 lịch 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 lịch trực tiếp bóng đá hôm nay debt, lịch 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 lịch trực tiếp bóng đá hôm nay Civil Procedure Code 2015; Point a Clause 2 Article 6 ofNghị quyết 04/2017/NQ-HĐTP hướng dẫn quy địnhdated May 5, 2017 of lịch trực tiếp bóng đá hôm nay Council of Judges of lịch trực tiếp bóng đá hôm nay Supreme People’s Court, lịch trực tiếp bóng đá hôm nay People’s Court of Quang Binh province accepted lịch trực tiếp bóng đá hôm nay case within its jurisdiction.

[2] With reference to court procedures: After accepting lịch trực tiếp bóng đá hôm nay case, lịch 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 lịch trực tiếp bóng đá hôm nay Civil Procedure Code, in specific: lịch trực tiếp bóng đá hôm nay notice of case acceptance based on lịch trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, and documents related to lịch 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, lịch trực tiếp bóng đá hôm nay court failed to serve these papers to Mrs. T in person. lịch trực tiếp bóng đá hôm nay court put up these papers at her registered permanent residence according to lịch trực tiếp bóng đá hôm nay address mentioned in lịch trực tiếp bóng đá hôm nay credit agreement: S2, ward D, city H1, Quang Binh province, at lịch trực tiếp bóng đá hôm nay head office of lịch 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, lịch trực tiếp bóng đá hôm nay People’s Court of Quang Binh province opened a court hearing, lịch 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, lịch trực tiếp bóng đá hôm nay court adjourned lịch 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 lịch trực tiếp bóng đá hôm nayCivil Procedure Code in Viet Nam, lịch trực tiếp bóng đá hôm nay court conducts lịch trực tiếp bóng đá hôm nay trial.

[3] With reference to content:

On January 20, 2016, Mrs. Vo Thi Thanh T signed lịch 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 lịch trực tiếp bóng đá hôm nay agreement. At lịch 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 lịch trực tiếp bóng đá hôm nay employer, which is certified in lịch trực tiếp bóng đá hôm nay loan application letter. On January 20, 2016, Mrs. Vo Thi Thanh T withdrew lịch trực tiếp bóng đá hôm nay loan from B Quang Binh of VND 58,000,000 to lịch trực tiếp bóng đá hôm nay account No. 531.82000 401790 as mentioned in lịch trực tiếp bóng đá hôm nay statement of drawdown/credit agreement signed by Mrs. Vo Thi Thanh T (case file p. 09). So, lịch 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 lịch 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 lịch trực tiếp bóng đá hôm nay statement of B Quang Binh). At lịch 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 lịch 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 lịch trực tiếp bóng đá hôm nay debt as agreed in lịch 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 lịch trực tiếp bóng đá hôm nay lawsuit petition and opinions of Mr. Nguyen Phuc M, lịch trực tiếp bóng đá hôm nay petitioner’s authorized representative, requesting lịch trực tiếp bóng đá hôm nay court to force Mrs. Vo Thi Thanh T to fully repay lịch trực tiếp bóng đá hôm nay debt to Bank B Vietnam, lịch 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, lịch trực tiếp bóng đá hôm nay amount of: VND 61,475,807, including lịch 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 lịch trực tiếp bóng đá hôm nay Civil Procedure Code; Clause 2 Article 26 of lịch 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 lịch trực tiếp bóng đá hôm nay petitioner, Bank B Vietnam, is not obliged to pay lịch trực tiếp bóng đá hôm nay court fee, it is refunded VND 1,350,000 of lịch trực tiếp bóng đá hôm nay paid court fee advance according to lịch 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 lịch trực tiếp bóng đá hôm nay Civil Procedure Code; Article 280; Article 281; Article 282; Article 351; Article 463, Article 466; Article 468 of lịch trực tiếp bóng đá hôm naytrực tiếp bóng đá hôm nay; Article 26 of lịch trực tiếp bóng đá hôm nay National Assembly Standing Committee'sNghị quyết 326/2016/UBTVQH14 quy định về mứcdated December 30, 2016 on court fees and charges, and exemption, reduction, collection, transfer, management and use thereof, hereby judges:

1.Accept lịch 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, lịch 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 lịch trực tiếp bóng đá hôm nay paid court fee advance according to lịch 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 lịch trực tiếp bóng đá hôm nay first instance pronouncement date (November 10, 2018) to lịch trực tiếp bóng đá hôm nay date on which Mrs. Vo Thi Thanh T fully repays lịch trực tiếp bóng đá hôm nay debt, she is obliged to pay lịch trực tiếp bóng đá hôm nay interest on lịch trực tiếp bóng đá hôm nay principal according to lịch trực tiếp bóng đá hôm nay interest rate under lịch 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 lịch trực tiếp bóng đá hôm nay judgment or court decision is enforced as per regulations in Article 2 of lịch trực tiếp bóng đá hôm nayLuật thi đá bóng trực tiếp dân sự 2008 Số hiệu 26/2008/QH12, lịch 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 lịch trực tiếp bóng đá hôm nay Law on enforcement of civil judgments, and lịch trực tiếp bóng đá hôm nay effective period of judgment enforcement shall comply within provisions in Article 30 of lịch trực tiếp bóng đá hôm nay Law on enforcement of civil judgments.

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

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