{"id":18598,"date":"2014-11-27T08:06:32","date_gmt":"2014-11-27T07:06:32","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=18598"},"modified":"2014-11-27T08:09:40","modified_gmt":"2014-11-27T07:09:40","slug":"kazda-ctvrta-vymahana-pohledavka-je-pujcka-znamemu-nebo-v-rodine","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=18598","title":{"rendered":"Ka\u017ed\u00e1 \u010dtvrt\u00e1 vym\u00e1han\u00e1 pohled\u00e1vka je p\u016fj\u010dka zn\u00e1m\u00e9mu nebo v rodin\u011b"},"content":{"rendered":"

P\u016fj\u010dka kamar\u00e1dovi na dobr\u00e9 slovo vede mnohdy k\u00a0tvrd\u00e9mu proz\u0159en\u00ed. St\u00e1le se opakuj\u00edc\u00ed p\u0159\u00edpady \u0159e\u0161\u00ed advok\u00e1ti ka\u017ed\u00fd den \u2013 nespl\u00e1cen\u00e9 dluhy v\u00a0rodin\u011b nebo mezi zn\u00e1m\u00fdmi tvo\u0159\u00ed 26 % problematick\u00fdch pohled\u00e1vek o pr\u016fm\u011brn\u00e9 v\u00fd\u0161i 110 tis\u00edc korun. <\/strong><\/p>\n

B\u011b\u017en\u011b se p\u0159es ePohled\u00e1vky vym\u00e1haj\u00ed i p\u016fj\u010dky o v\u00fd\u0161i pouh\u00fdch t\u0159\u00ed tis\u00edc korun. T\u00e9m\u011b\u0159 40 procent dlu\u017en\u00edk\u016f reaguje u\u017e na p\u0159ed\u017ealobn\u00ed upom\u00ednku. Naopak ka\u017ed\u00fd sedm\u00fd v\u011b\u0159itel o svoji pohled\u00e1vku p\u0159ijde kv\u016fli proml\u010den\u00ed.<\/p>\n

\u201eJedna ze \u010dty\u0159 pohled\u00e1vek, se kter\u00fdmi n\u00e1s lid\u00e9 oslovuj\u00ed, se t\u00fdk\u00e1 soukrom\u00fdch p\u016fj\u010dek. V\u011bt\u0161\u00ed pod\u00edl zauj\u00edmaj\u00ed u\u017e jen neuhrazen\u00e9 faktury,\u201c upozornil David Bascheri, advok\u00e1t spolupracuj\u00edc\u00ed s\u00a0port\u00e1lem ePohled\u00e1vky.cz, na roz\u0161\u00ed\u0159en\u00fd probl\u00e9m. \u201eSv\u00fdm bl\u00edzk\u00fdm lid\u00e9 d\u016fv\u011b\u0159uj\u00ed, a dokud se nesp\u00e1l\u00ed, jsou schopni jim poskytnout i statis\u00edcov\u00e9 \u010d\u00e1stky, ani\u017e by cokoli sepsali. To ale zna\u010dn\u011b komplikuje pozd\u011bj\u0161\u00ed vym\u00e1h\u00e1n\u00ed.\u201c<\/p>\n

Vedle \u00fastn\u00edch dohod pova\u017euj\u00ed odborn\u00edci za nejv\u011bt\u0161\u00ed chybu tak\u00e9 vy\u010dk\u00e1v\u00e1n\u00ed s\u00a0uplatn\u011bn\u00edm sv\u00fdm pr\u00e1v. Patn\u00e1ct procent v\u011b\u0159itel\u016f se na odborn\u00edky obrac\u00ed, a\u017e kdy\u017e je pozd\u011b. \u201eNechaj\u00ed se uchl\u00e1cholit a s vym\u00e1h\u00e1n\u00edm pohled\u00e1vky nijak nesp\u011bchaj\u00ed. Netu\u0161\u00ed ale, \u017ee bez p\u00edsemn\u00e9ho ujedn\u00e1n\u00ed je splatnost dluhu z\u00e1konem stanovena hned na druh\u00fd den po vykon\u00e1n\u00ed p\u016fj\u010dky a v\u00a0tu chv\u00edli se tak\u00e9 za\u010d\u00edn\u00e1 odpo\u010d\u00edt\u00e1vat t\u0159\u00edlet\u00e1 proml\u010dec\u00ed lh\u016fta,\u201c varoval David Bascheri. Po jej\u00edm uplynut\u00ed u\u017e je pohled\u00e1vka pr\u00e1vn\u011b vymahateln\u00e1 pouze s obt\u00ed\u017eemi.<\/p>\n

V\u00fd\u0161e p\u016fj\u010dek, kter\u00e9 se vym\u00e1haj\u00ed on-line p\u0159es\u00a0ePohled\u00e1vky.cz, se pohybuje na \u0161irok\u00e9 \u0161k\u00e1le od t\u0159\u00ed tis\u00edc do 1,3 milionu korun, v\u00a0pr\u016fm\u011bru \u010din\u00ed jeden dluh 110\u00a0tis\u00edc korun. T\u00e9m\u011b\u0159 40 procent pohled\u00e1vek poch\u00e1z\u00ed z\u00a0Prahy, kolem osmi procent maj\u00ed shodn\u011b Jihomoravsk\u00fd, St\u0159edo\u010desk\u00fd a Moravskoslezsk\u00fd kraj. Zvl\u00e1\u0161\u0165 v\u00a0prosinci, lednu a \u00fanoru soukrom\u00e9 p\u016fj\u010dky skokov\u011b nar\u016fstaj\u00ed. Dlu\u017en\u00edci se obracej\u00ed na sv\u00e9 zn\u00e1m\u00e9 nej\u010dast\u011bji kv\u016fli v\u00e1no\u010dn\u00edm sv\u00e1tk\u016fm, dovolen\u00fdm nebo opo\u017ed\u011bn\u00e9 mzd\u011b a platb\u011b slo\u017eenek. Podle odborn\u00edk\u016f je v\u0161ak st\u00e1le hlavn\u00edm d\u016fvodem p\u016fj\u010dky umo\u0159en\u00ed jin\u00e9ho dluhu. To v\u011b\u0159itel v\u011bt\u0161inou ani netu\u0161\u00ed.<\/p>\n

Klasick\u00fdmi v\u011b\u0159iteli b\u00fdvaj\u00ed rodi\u010de, kte\u0159\u00ed p\u016fj\u010d\u00ed pen\u00edze partnerovi nebo partnerce sv\u00e9ho d\u00edt\u011bte na podnik\u00e1n\u00ed, na vybaven\u00ed bytu, auto \u010di na splacen\u00ed \u00fav\u011bru a podobn\u011b. \u201ePen\u00edze jim v\u011bt\u0161inou daj\u00ed jen tak, v\u017edy\u0165 to vr\u00e1t\u00ed, a\u017e budou moct. Od t\u00e9 chv\u00edle v\u0161ak b\u011b\u017e\u00ed t\u0159\u00edlet\u00e1 proml\u010dec\u00ed lh\u016fta a b\u011b\u017en\u011b se st\u00e1v\u00e1, \u017ee tak dlouho spolu ani p\u00e1r nevydr\u017e\u00ed,\u201c uvedl Tom\u00e1\u0161 Med\u0159ick\u00fd, gener\u00e1ln\u00ed \u0159editel port\u00e1lu ePohled\u00e1vky.cz. \u201eVelmi \u010dasto jsou mezi klienty zastoupeny tak\u00e9 svobodn\u00e9 \u017eeny, kter\u00e9 sv\u00fdm partner\u016fm pomohly splatit p\u0159edchoz\u00ed dluhy, ale po rozchodu u\u017e sv\u00e9 pen\u00edze nevid\u011bly.\u201c<\/p>\n

Kdy\u017e jde o kamar\u00e1dy a rodinu, lid\u00e9 p\u0159estanou b\u00fdt obez\u0159etn\u00ed. Hned prvn\u00edm krokem by p\u0159itom m\u011blo b\u00fdt prov\u011b\u0159en\u00ed doty\u010dn\u00e9ho, kter\u00fd \u017e\u00e1d\u00e1 o p\u016fj\u010dku \u010di ru\u010den\u00ed, v\u00a0insolven\u010dn\u00edm rejst\u0159\u00edku dostupn\u00e9m na webu. \u201eJe jasn\u00e9, \u017ee not\u00e1\u0159sk\u00fd z\u00e1pis, a\u0165 jde o jakkoli nepr\u016fst\u0159eln\u00e9 ji\u0161t\u011bn\u00ed, si skute\u010dn\u011b za\u0159\u00edd\u00ed m\u00e1lokdo. P\u00e1r minut na seps\u00e1n\u00ed p\u00edsemn\u00e9 dohody by si ale m\u011bl naj\u00edt ka\u017ed\u00fd,\u201c zd\u016fraznil David Bascheri.<\/p>\n

\u201eV ide\u00e1ln\u00edm p\u0159\u00edpad\u011b by m\u011bl dlu\u017en\u00edk v\u011b\u0159iteli podepsat takzvan\u00e9 Uzn\u00e1n\u00ed dluhu \u2013 sta\u010d\u00ed dv\u011b v\u011bty: J\u00e1, n\u00ed\u017ee podepsan\u00fd, uzn\u00e1v\u00e1m sv\u016fj dluh co do d\u016fvodu i v\u00fd\u0161e, kter\u00fd m\u00e1m za v\u011b\u0159itelem XY,\u201c popsal Bascheri. Zat\u00edmco na \u00fastn\u00ed p\u016fj\u010dky a na smlouvy o p\u016fj\u010dce se vztahuje t\u0159\u00edlet\u00e1 proml\u010dec\u00ed lh\u016fta, s\u00a0p\u00edsemn\u00fdm Uzn\u00e1n\u00edm dluhu z\u00edsk\u00e1 v\u011b\u0159itel deset let do proml\u010den\u00ed.<\/p>\n

Podle \u00fadaj\u016f port\u00e1lu ePohled\u00e1vky.cz splat\u00ed dva z\u00a0p\u011bti dlu\u017en\u00edk\u016f celou \u010d\u00e1stku hned pot\u00e9, co se do sporu vlo\u017e\u00ed advok\u00e1t a roze\u0161le p\u0159ed\u017ealobn\u00ed upom\u00ednku, tedy do 30 dn\u016f od zad\u00e1n\u00ed pohled\u00e1vky v\u011b\u0159itelem on-line. V\u00a0opa\u010dn\u00e9m p\u0159\u00edpad\u011b n\u00e1sleduje soud, kter\u00fd v\u011bt\u0161inou na dlu\u017en\u00edka uval\u00ed exekuci. \u201eV soudn\u00edm \u0159\u00edzen\u00ed je mo\u017en\u00e9 dolo\u017eit d\u016fkazy typu SMS nebo e-mailov\u00e9 komunikace. Soudce i podle tvrzen\u00ed brzy pozn\u00e1, na \u010d\u00ed stran\u011b je pravda. M\u00e1lokdo um\u00ed zahr\u00e1t ob\u011b\u0165 d\u016fv\u011bryhodn\u011b, v realit\u011b to tak nechod\u00ed, mo\u017en\u00e1 jen v krimi seri\u00e1lech,\u201c upozornil David Bascheri.<\/p>\n

Dal\u0161\u00ed probl\u00e9m jsou lid\u00e9 zbaven\u00ed soudem zcela nebo \u010d\u00e1ste\u010dn\u011b sv\u00e9pr\u00e1vnosti<\/strong>, kte\u0159\u00ed d\u011blaj\u00ed dluhy, kter\u00e9 z nich nelze re\u00e1ln\u011b vym\u00e1hat.
\nDo pasti se kv\u016fli tomu dost\u00e1vaj\u00ed nap\u0159\u00edklad i rodi\u010de mladistv\u00fdch lid\u00ed, jim\u017e byla sv\u00e9pr\u00e1vnost omezena. „Synovi byl p\u0159izn\u00e1n pln\u00fd invalidn\u00ed<\/span> d\u016fchod kv\u016fli psychiatrick\u00e9 diagn\u00f3ze a pr\u00e1vn\u00ed zp\u016fsobilost mu byla omezena tak, \u017ee nesm\u00ed nakl\u00e1dat s movit\u00fdm a nemovit\u00fdm majetkem, jeho\u017e hodnota p\u0159es\u00e1hla p\u011bt set korun. Jen\u017ee po dovr\u0161en\u00ed zletilosti uzav\u0159el smlouvu na dva roky s mobiln\u00edm oper\u00e1torem na dv\u011b telefonn\u00ed \u010d\u00edsla, a u oper\u00e1tora je u\u017e dluh dvacet tis\u00edc korun,“ popisuje na odborn\u00e9m port\u00e1lu Bezplatnapravniporadna. cz jedna z matek. Pen\u00edze jsou tak vym\u00e1h\u00e1ny na n\u00ed.<\/p>\n

Pot\u00ed\u017e je v tom, \u017ee oper\u00e1tor z ob\u010danky nepozn\u00e1, \u017ee byla dan\u00e9 osob\u011b omezena sv\u00e9pr\u00e1vnost. P\u0159itom se jedn\u00e1 o des\u00edtky tis\u00edc osob. M\u016f\u017ee za to teprve dva roky platn\u00e9 z\u00e1konn\u00e9 na\u0159\u00edzen\u00ed, \u017ee v ob\u010dansk\u00fdch pr\u016fkazech se nesm\u00ed informace o omezen\u00ed zp\u016fsobilosti uv\u00e1d\u011bt.<\/p>\n

V parlamentu proto te\u010f le\u017e\u00ed n\u00e1vrh, aby se tento fakt do ob\u010danek znovu vr\u00e1til. Vl\u00e1da jej ale odm\u00edt\u00e1.<\/p>\n

invArena<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u016fj\u010dka kamar\u00e1dovi na dobr\u00e9 slovo vede mnohdy k\u00a0tvrd\u00e9mu proz\u0159en\u00ed. St\u00e1le se opakuj\u00edc\u00ed p\u0159\u00edpady \u0159e\u0161\u00ed advok\u00e1ti ka\u017ed\u00fd den \u2013 nespl\u00e1cen\u00e9 dluhy v\u00a0rodin\u011b nebo mezi zn\u00e1m\u00fdmi tvo\u0159\u00ed […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18598","post","type-post","status-publish","format-standard","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/18598","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18598"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/18598\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18598"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}