{"id":4583,"date":"2013-05-07T12:44:19","date_gmt":"2013-05-07T10:44:19","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=4583"},"modified":"2014-10-20T20:12:59","modified_gmt":"2014-10-20T18:12:59","slug":"snadna-korist-dusevne-nemocni","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=4583","title":{"rendered":"Snadn\u00e1 ko\u0159ist \u2013 du\u0161evn\u011b nemocn\u00ed"},"content":{"rendered":"

Banky ochotn\u011b p\u016fj\u010duj\u00ed statis\u00edce i lidem s du\u0161evn\u00ed chorobou. A ti sv\u00e9 dluhy nedok\u00e1\u017eou spl\u00e1cet. Kv\u016fli ochr\u00e1nc\u016fm lidsk\u00fdch pr\u00e1v jen m\u00e1lokter\u00fd z nich je zbaven sv\u00e9pr\u00e1vnosti a tak smlouvy o p\u016fj\u010dce plat\u00ed. Jejich neplatnosti je mo\u017en\u00e9 dos\u00e1hnout jen soudem.\u00a0<\/strong><\/p>\n

<\/p>\n

Stanislava, jen\u017e trp\u00ed schizofreni\u00ed,\u00a0atakuj\u00ed finan\u010dn\u00ed \u00fastavy, proto\u017ee z invalidn\u00edho d\u016fchodu nesta\u010d\u00ed spl\u00e1cet. „Rad\u011bji jsem sv\u016fj mobil dal panu doktorovi, proto\u017ee mi volali ve\u010der i o v\u00edkendu. Rozru\u0161ovalo m\u011b to,“ \u0159\u00edk\u00e1 \u010dty\u0159ia\u0161edes\u00e1tilet\u00fd pacient psychiatrick\u00e9 l\u00e9\u010debny ve Slavkov\u011b u Brna.<\/p>\n

„Takov\u00fdch nemocn\u00fdch m\u00e1m na odd\u011blen\u00ed n\u011bkolik. St\u00e1vaj\u00ed se snadnou ob\u011bt\u00ed agresivn\u00edho marketingu, tak\u00e9 r\u016fzn\u00fdch podvodn\u00edk\u016f a parazit\u016f,“ popisuje o\u0161et\u0159uj\u00edc\u00ed l\u00e9ka\u0159 Martin Tu\u010dek. L\u00e9ka\u0159i i soci\u00e1ln\u00ed pracovnice l\u00e9\u010deben denn\u011b \u0159e\u0161\u00ed probl\u00e9my kolem jejich spl\u00e1tek.<\/p>\n

V nov\u00fdch ob\u010dansk\u00fdch pr\u016fkazech u\u017e nemaj\u00ed tito nemocn\u00ed lid\u00e9 pozn\u00e1mku o omezen\u00ed \u010di zbaven\u00ed zp\u016fsobilosti k pr\u00e1vn\u00edm \u00fakon\u016fm. Banky p\u0159ipou\u0161t\u011bj\u00ed, \u017ee je pro n\u011b t\u011b\u017ek\u00e9 identifikovat psychicky nemocn\u00e9ho \u010dlov\u011bka.<\/p>\n

„Na jedn\u00e9 stran\u011b je fajn, \u017ee pacienti nejsou stigmatizovan\u00ed, ale n\u011bkdy vznik\u00e1 probl\u00e9m. Po propu\u0161t\u011bn\u00ed pacienta nem\u00e1me vybudovan\u00e9 mechanismy, jak tyto lidi ochr\u00e1nit, jako je tomu ve vysp\u011bl\u00e9 cizin\u011b,“ potvrzuje \u0159editel psychiatrick\u00e9 l\u00e9\u010debny v Bohnic\u00edch Martin Holl\u00fd.<\/p>\n

Legislativci balancuj\u00ed mezi dv\u011bma krajnostmi. Ochr\u00e1nci lidsk\u00fdch pr\u00e1v se do\u017eaduj\u00ed pro pacienty co nejv\u011bt\u0161\u00ed suverenity a autonomie, na druh\u00e9 stran\u011b mo\u017en\u00e1 i tit\u00ed\u017e lid\u00e9 pro n\u011b cht\u011bj\u00ed co nejv\u011bt\u0161\u00ed ochranu.<\/p>\n

„To je ale protimluv. Ve v\u00fdsledku se pacienti ocitaj\u00ed v bezv\u00fdchodn\u00fdch situac\u00edch, pron\u00e1sleduj\u00ed je exekuto\u0159i,“ \u0159\u00edk\u00e1 \u0159editel psychiatrick\u00e9 l\u00e9\u010debny v Brn\u011b-\u010cernovic\u00edch Marek Radimsk\u00fd. Podle n\u011bj je zbaveno \u010di omezeno ve zp\u016fsobilosti k pr\u00e1vn\u00edm \u00fakon\u016fm jen minimum du\u0161evn\u011b nemocn\u00fdch.<\/p>\n

Z\u00e1stupci finan\u010dn\u00edch \u00fastav\u016f se ke konkr\u00e9tn\u00edmu p\u0159\u00edpadu necht\u011bj\u00ed vyjad\u0159ovat. „Pokud m\u00e1 bank\u00e9\u0159 p\u0159i osobn\u00edm kontaktu podez\u0159en\u00ed, \u017ee klient nejedn\u00e1 z vlastn\u00ed v\u016fle nebo se chov\u00e1 zvl\u00e1\u0161tn\u011b, m\u016f\u017ee zadat na dot\u010denou \u017e\u00e1dost pozn\u00e1mku, kter\u00e1 p\u0159i posuzov\u00e1n\u00ed rizika \u00fav\u011bru m\u016f\u017ee v\u00e9st k jeho zam\u00edtnut\u00ed,“ \u0159ekl mluv\u010d\u00ed GE Money Bank Pavel Z\u00fabek, kdy\u017e se MF DNES ptala, jak mohla tato banka p\u016fj\u010dit jednomu z du\u0161evn\u011b nemocn\u00fdch zm\u00edn\u011bn\u00fdch v textu.<\/p>\n

Provident Financial pou\u017e\u00edv\u00e1 vlastn\u00ed syst\u00e9m credit scoringu, kter\u00fd je zalo\u017een na b\u00e1zi osobn\u00ed kontroly. „Vy\u017eadujeme doklady o pravideln\u00e9m p\u0159\u00edjmu, \u017eadatel mus\u00ed nav\u00edc p\u0159edlo\u017eit i doklady o sv\u00fdch vyd\u00e1n\u00edch. Ale \u017e\u00e1dost invalidn\u00edho d\u016fchodce posuzujeme jako ka\u017edou jinou,“ podot\u00fdk\u00e1 mluv\u010d\u00ed Provident Financial Ond\u0159ej Holoubek.<\/p>\n

Smlouvu lze anulovat<\/strong><\/p>\n

P\u0159esto v\u0161ak existuje cesta, jak smlouvu o p\u016fj\u010dce anulovat \u2013 a p\u0159\u00edjemce nemus\u00ed b\u00fdt ani zbaven sv\u00e9pr\u00e1vnosti. Podle ob\u010dansk\u00e9ho z\u00e1kon\u00edku toti\u017e neplat\u00ed pr\u00e1vn\u00ed \u00fakon, pokud jej u\u010dinil nesv\u00e9pr\u00e1vn\u00fd \u010dlov\u011bk nebo n\u011bkdo v du\u0161evn\u00ed poru\u0161e.<\/p>\n

„V praxi to tak snadno nefunguje. M\u016f\u017ee se o to pokusit kdokoliv, t\u0159eba o\u0161et\u0159uj\u00edc\u00ed l\u00e9ka\u0159, kter\u00fd stav pacienta posoud\u00ed. Ale mus\u00ed si naj\u00edt pr\u00e1vn\u00edka a ten pod\u00e1 \u017ealobu k soudu,“ popisuje Josef Z\u00e1vi\u0161ek ze Sdru\u017een\u00ed pomoci du\u0161evn\u011b nemocn\u00fdm.<\/p>\n

Tuto cestu si vyzkou\u0161el na vlastn\u00ed k\u016f\u017ei Jan Jaro\u0161, \u0159editel sdru\u017een\u00ed Kolumbus, kter\u00e9 spojuje du\u0161evn\u011b chor\u00e9. P\u0159ed lety za\u010dal podnikat a zadal si u Mediatelu nev\u00fdhodn\u00fd inzer\u00e1t za 450 tis\u00edc. Neplatil a oni ho o tu \u010d\u00e1stku \u017ealovali. „U soudu jsem argumentoval t\u00edm, \u017ee jsem byl ve stavu m\u00e1nie, a soudn\u00ed znalkyn\u011b, psychiatri\u010dka, to potvrdila. Nakonec jsem nic neplatil,“ l\u00ed\u010d\u00ed Jan Jaro\u0161, kter\u00fd trp\u00ed maniodepresivn\u00ed psych\u00f3zou.<\/p>\n

Banky a dal\u0161\u00ed poskytovatel\u00e9 \u00fav\u011br\u016f nemaj\u00ed snadnou pozici. Podle \u0159editele poradny p\u0159i finan\u010dn\u00ed t\u00edsni Davida \u0160mejkala mus\u00ed ve vlastn\u00edm z\u00e1jmu zhodnotit \u00fav\u011bry schopnost klienta. Jinak se vystavuj\u00ed nebezpe\u010d\u00ed trestn\u00e9ho \u010dinu lichvy.<\/p>\n

„\u010cesk\u00e1 obchodn\u00ed inspekce jim m\u016f\u017ee napa\u0159it pokutu nebo riskuj\u00ed neplatnost smlouvy. Jen\u017ee dlu\u017en\u00edk pen\u00edze mus\u00ed tak jako tak vr\u00e1tit. Nejl\u00e9pe si domluvit rozumn\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159,“ rad\u00ed \u0160mejkal. Podle n\u011bj by bylo nejlep\u0161\u00ed, kdyby se banky mohly p\u0159i pochybnostech dot\u00e1zat registru \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed, zda je \u017eadatel o p\u016fj\u010dku sv\u00e9pr\u00e1vn\u00fd \u010di du\u0161evn\u011b zdrav\u00fd.<\/p>\n

Mlad\u00e1 fronta Dnes<\/p>\n","protected":false},"excerpt":{"rendered":"

Banky ochotn\u011b p\u016fj\u010duj\u00ed statis\u00edce i lidem s du\u0161evn\u00ed chorobou. A ti sv\u00e9 dluhy nedok\u00e1\u017eou spl\u00e1cet. Kv\u016fli ochr\u00e1nc\u016fm lidsk\u00fdch pr\u00e1v jen m\u00e1lokter\u00fd z nich je zbaven […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-4583","post","type-post","status-publish","format-standard","hentry","category-spolecnost"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/4583","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=4583"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/4583\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}