A Monobank client disputes a credit debt of 36,267 hryvnias—this is the court's decision.

Monobank issued a credit debt of 36,267 hryvnias to a woman. According to her, the financial institution did not provide a credit agreement or a loan agreement that was concluded between it and JSC "Universal Bank," which was signed by both parties. This is stated in the decision of the Lozova District Court of Kharkiv Oblast, published on December 4, 2024.

On June 2, 2020, the woman approached the bank to obtain banking services, for which she signed an application form for a banking services agreement. Based on the concluded contract, she received a loan of 50,000 hryvnias in the form of a credit limit on her current account, with the payment card serving as the special payment instrument. The citizen defaulted on her loan repayment obligations, resulting in a debt of 36,267 hryvnias as of June 18, 2024, which consists of the principal amount of the loan.

The woman provided a response to the lawsuit. The application form submitted by the bank does not contain provisions regarding her willingness to obtain a loan, its amount, terms, or any other essential conditions of the credit agreement as stipulated by current legislation. The terms and service rules at JSC "Universal Bank" and the card fee statements do not bear her signature, and therefore, the credit agreement referenced by the bank is deemed unexecuted.

What was the court's decision?

The court granted Monobank's claim. The woman is to repay the debt to JSC "Universal Bank" under the banking services agreement "Monobank" dated June 2, 2020, amounting to 36,267 hryvnias.

"Based on the electronic agreement concluded by the parties, which is considered to be executed in written form, the parties have rights and obligations arising from the credit agreement in accordance with the provisions of Article 11 of the Civil Code of Ukraine. The defendant, by violating the terms of the agreement, has not duly fulfilled her obligations concerning the repayment of the loan debt. As of June 18, 2024, the defendant has incurred a debt of 36,267 hryvnias, which consists of the total outstanding balance of the provided loan (principal amount) in the amount of 36,267 hryvnias. The debt calculation is proper evidence and corresponds to the detailed statement of the account activity, which is provided in the attachments to the response to the review. The debt calculation table specifically illustrates the existence of the debt," – emphasized the court.