УДК 347.4/.9

DOI 10.37566/2707-6849-2025-3(52)-7

PDF

Oleksii NESTERENKO,

Judge ofthe Ingulets District Court of Kryvyi Rih,

Dnipropetrovsk region

PhD in Law

Alina USTYMENKO,

Judicial Assistant of the Ingulets District Court of Kryvyi Rih,

Dnipropetrovsk region

PhD in Law

PROBLEMATIC ISSUES IN THE COURT'S ASSESSMENT OF EVIDENCE IN CREDIT DISPUTES

The article is devoted to the study of problematic issues faced by the court when establishing the circumstances relevant to the resolution of a category of cases arising from credit disputes. The article analyzes the means of proof used by the lender in terms of their relevance and admissibility. Particular attention is paid to the need to establish the fact of provision of funds on account of a loan. The article contains a generalized and systematized list of means of proof in the context of the subject matter of the study.

The authors argue that the approach based on establishing only those circumstances which are of material legal significance for the resolution of the case, and not all those which are pointed out by a party, is quite correct in view of the following.

First, this approach ensures procedural stability, which means that the court's actions to establish the circumstances that are the subject of proof are predictable, which also results in a predictable outcome of the dispute.

Secondly, predictability promotes unity and stability of judicial practice, makes pluralism of legal understanding and, consequently, law enforcement impossible.

The article systematizes and lists the main elements of proof in credit disputes: establishing the fact of concluding a credit or loan agreement, which may be confirmed either by a single document or by a set of documents reflecting the will of the parties; establishing the fact of granting a credit (loan), which may be confirmed by a payment document which meets the requirements of the legislation on accounting and reporting, an account statement, in some cases - information certificates, letters from financial institutions on the transfer of funds, only in conjunction with other evidence; establishing the fact of breach of a monetary obligation and the occurrence of debt, which may be confirmed by an account statement. 

Key words: credit disputes, court, subject of proof, evidence, bank, non-bank institution, financial institution, credit transfer, credit, loan, lender, borrower, credit contract.

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