Privatbank demands to recover from the husband 59 060 UAH, but he denies the presence of debt on the loan – what the court decided

The man denies the fact of existence of debt to PrivatBank in the amount of 59 060 UAH

PrivatBank insists on a borrower returning funds of 59 060 hryvnia, however, the latter categorically rejects accusations of failure to fulfill obligations. This information was published in the decision of the Podilsky District Court of Kropyvnytskyi of August 13, 2025.

On February 12, 2014, a citizen signed a document on agreement with the terms of banking services that were valid at the time of registration. He was opened with a card account and issued a credit card with an initial limit, which subsequently increased to 50 thousand hryvnias. The client actively used the card to receive funds, but did not pay off the set debt. As of April 10, 2024, the amount of the outstanding loan amounted to UAH 59,060, including UAH 46,356 and 12,703 UAH over overdue interest.

On July 16, 2024, the Leninsky District Court of Kropyvnytsky made a correspondence decision in favor of the bank, obliging the debtor to return UAH 59,060. However, on February 27, 2025, the same court overturned the previous decision, resuming a term of appeal and appointing a new simplified consideration.

During the re -consideration, the plaintiff insisted on the absence of credit obligations, declaring the existence of surplus funds in the amount of UAH 12,572 in his account, which the bank illegally deducted. He stressed that the 2014 questionnaire did not contain specific conditions for interest or penalties, and documents of 2020 and 2023, which appeared in the case, had no signatures. In addition, there is no evidence of a credit card or a key loan agreement.

What decision did the court make? The court partially satisfied the requirements of PrivatBank. The defendant will recover 46 356 UAH of principal debt under the loan agreement No. b/n dated 12.02.2014.

“The statement of the movement confirms the use of the credit limit by the borrower, which provides for the fact of receiving the card, since transactions are impossible without it. The analysis of documents indicates a partial repayment of the debt, which indicates the recognition of the terms of the contract. In the case there is a certificate of the current card to 07/2024, while evidence of the fullest. To recover the bulk of the debt – 46 356 hryvnias, since the bank has the right to defend its interests by returning the funds provided, ”the court said.

The gun