\u010cesk\u00e1 televize<\/p>\n\n\n\n
Nedostate\u010dn\u00e9 znalosti o p\u016fj\u010dk\u00e1ch, ned\u016fv\u011bra a taky probl\u00e9my se spl\u00e1cen\u00edm dluh\u016f. Nejen to vyplynulo z nov\u00e9ho pr\u016fzkumu spole\u010dnosti Behavio pro projekt Nepla\u0165 \u00faroky, kter\u00fd se zam\u011b\u0159il na n\u00edzkop\u0159\u00edjmov\u00e9 rodiny. <\/p>\n\n\n\n
A\u017e polovina dot\u00e1zan\u00fdch narazila na pot\u00ed\u017ee se spl\u00e1cen\u00edm zd\u00e1nliv\u011b v\u00fdhodn\u00fdch p\u016fj\u010dek u nebankovn\u00edch spole\u010dnost\u00ed. Nar\u016fstaj\u00edc\u00ed pot\u00ed\u017ee a podn\u011bty potvrzuj\u00ed advok\u00e1tn\u00ed kancel\u00e1\u0159e i dluhov\u00e9 poradny. <\/p>\n\n\n\n
Lea Surovcov\u00e1, redaktorka<\/strong> V 15 letech za\u010dal se s\u00e1zkami a n\u00e1sledn\u011b propadl hern\u00edm automat\u016fm. Prvn\u00ed \u00fav\u011br si vzal ve dvaceti.<\/p>\n\n\n\n Jan, b\u00fdval\u00fd dlu\u017en\u00edk<\/strong> V prvopo\u010d\u00e1tku jsem si p\u016fj\u010doval od bankovn\u00edch dom\u016f, postupn\u011b to propadalo t\u00edm s\u00edtem, \u017ee jsem si bral potom u v\u011bt\u0161\u00edch nebankovn\u00edch instituc\u00ed a posl\u00e9ze men\u0161\u00ed a men\u0161\u00ed a\u017e vlastn\u011b, d\u00e1 se \u0159\u00edct, \u00fapln\u00fdm lichv\u00e1\u0159\u016fm.<\/p>\n\n\n\n redaktorka<\/strong> Minul\u00fd rok se sv\u011b\u0159il rodin\u011b. Tehdy m\u011bl u nebankovn\u00edch spole\u010dnost\u00ed dluhy za milion. Se zaplacen\u00edm mu pomohli, jen\u017ee pak se zadlu\u017eil znovu. <\/p>\n\n\n\n Jan, b\u00fdval\u00fd dlu\u017en\u00edk<\/strong> Tak\u017ee jsem b\u011bhem dvou m\u011bs\u00edc\u016f ud\u011blal znovu dluhy asi za 800 000 a zlomilo se to u m\u011b v moment\u011b, kdy jsem p\u0159em\u00fd\u0161lel nad t\u00edm, \u017ee bych si mohl n\u011bco ud\u011blat, a zjistil jsem, \u017ee vlastn\u011b ten \u017eivot m\u00e1m r\u00e1d a \u017ee se v\u0161echno d\u00e1 \u0159e\u0161it. J\u00e1 jsem se vlastn\u011b v jeden moment dostal do f\u00e1ze, \u017ee moje v\u00fdplata byla 40 000 a moje m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky byly 150 000.<\/p>\n\n\n\n redaktorka<\/strong> Nakonec se \u0161el l\u00e9\u010dit. Podobn\u00e9 p\u0159\u00edpady \u0159e\u0161\u00ed advok\u00e1t Vladim\u00edr Rajf. Nov\u00fd pr\u016fzkum potvrdil riziko nebankovn\u00edch \u00fav\u011br\u016f zejm\u00e9na pro n\u00edzkop\u0159\u00edjmov\u00e9 rodiny. <\/p>\n\n\n\n Vladim\u00edr Rajf, advok\u00e1t, projekt NeplatUroky.cz<\/strong> 80 % t\u011bch osob, kter\u00e9 si n\u011bkdy \u00fav\u011br u nebankovn\u00edch spole\u010dnost\u00ed vzaly, tak jim ned\u016fv\u011b\u0159ovaly u\u017e ze za\u010d\u00e1tku. To znamen\u00e1, \u017ee ti lid\u00e9 opravdu nem\u011bli jinou mo\u017enost, to je to nejv\u011bt\u0161\u00ed riziko, jsou ochotni tak u\u010dinit i za nev\u00fdhodn\u00fdch podm\u00ednek. <\/p>\n\n\n\n Lea Surovcov\u00e1, redaktorka<\/strong> Dot\u00e1zan\u00ed si nejv\u00edce p\u016fj\u010dovali u bank, d\u00e1le nebankovn\u00edch spole\u010dnost\u00ed nebo bl\u00edzk\u00fdch. Z\u00e1rove\u0148 odborn\u00edci doporu\u010duj\u00ed neobracet se na jednoho poskytovatele spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f. <\/p>\n\n\n\n Vladim\u00edr Rajf, advok\u00e1t, projekt NeplatUroky.cz<\/strong> Naopak ud\u011blat si n\u011bjak\u00fd pr\u016fzkum a zam\u011b\u0159it se na ty jednotliv\u00e9 podm\u00ednky, kter\u00e9 ti poskytovatel\u00e9 nab\u00edzej\u00ed. Zejm\u00e9na na ukazatel RPSN.<\/p>\n\n\n\n Lea Surovcov\u00e1, redaktorka<\/strong> Nej\u010dast\u011bji lid\u00e9 vyhled\u00e1vaj\u00ed pomoc kv\u016fli zadlu\u017een\u00ed u poradc\u016f nebo neziskov\u00fdch organizac\u00ed. Jen na Asociaci ob\u010dansk\u00fdch poraden se za prvn\u00ed \u010dtvrtlet\u00ed obr\u00e1tilo skoro 12 000 lid\u00ed, co\u017e je skoro o 5 000 v\u00edce ne\u017e ve stejn\u00e9m obdob\u00ed loni.<\/p>\n\n\n\n Hynek Kalvoda, p\u0159edseda v\u00fdboru, Asociace ob\u010dansk\u00fdch poraden<\/strong> Roste po\u010det lid\u00ed, kte\u0159\u00ed si p\u016fj\u010duj\u00ed u nebankovn\u00edch firem \u010d\u00e1stky v \u0159\u00e1du tis\u00edc\u016f, desetitis\u00edc\u016f, ale maj\u00ed tam pom\u011brn\u011b vysok\u00e9 \u00faro\u010den\u00ed, pr\u00e1v\u011b u t\u011bch mlad\u00fdch, kter\u00fd nastupuj\u00ed vlastn\u011b ze \u0161koly, maj\u00ed zkr\u00e1tka m\u00e9n\u011b, ne\u017e co by pot\u0159ebovali.<\/p>\n\n\n\n Iva Kuchy\u0148kov\u00e1, mana\u017eerka pro soci\u00e1ln\u00ed advokacii, Charita \u010cR<\/strong> I st\u0159edn\u00ed vrstvy se n\u00e1m dost\u00e1vaj\u00ed do probl\u00e9m\u016f, kdy pot\u0159ebuj\u00ed pomoc odborn\u00fdch poraden pr\u00e1v\u011b proto, \u017ee nezvl\u00e1daj\u00ed platit sv\u00e9 n\u00e1klady. <\/p>\n\n\n\n Lea Surovcov\u00e1, redaktorka<\/strong> Organizace proto lidem shodn\u011b doporu\u010duj\u00ed nep\u016fj\u010dovat si d\u00e1l, nevy\u010dk\u00e1vat, nestyd\u011bt se a za\u010d\u00edt \u0159e\u0161it dluhy v\u010das. <\/p>\n\n\n\n moder\u00e1torka<\/strong> Zbavit dluh\u016f pom\u00e1halo v minulosti tzv. Milostiv\u00e9 l\u00e9to, kter\u00e9 letos ale nen\u00ed. I proto nap\u0159\u00edklad Charita zpracovala nov\u011b na sv\u00fdch str\u00e1nk\u00e1ch n\u00e1vody na \u0159e\u0161en\u00ed. D\u00edky odborn\u00e9mu poradenstv\u00ed zdarma lidem pomohou zmapovat dluhy i nastavit dom\u00e1c\u00ed rozpo\u010det. <\/p>\n\n\n\n Pokud u\u017e \u010dlov\u011bk dluhy nezvl\u00e1d\u00e1 spl\u00e1cet, m\u016f\u017ee po\u017e\u00e1dat soud o oddlu\u017een\u00ed. S p\u0159\u00edpravou jim mohou pomoci tak\u00e9 v poradn\u011b. V n\u011bkter\u00fdch p\u0159\u00edpadech se lze s podporou odborn\u00edka dohodnout na spl\u00e1tkov\u00e9m kalend\u00e1\u0159i nebo sn\u00ed\u017een\u00ed dluhu i bez insolvence.<\/p>\n\n\n\n moder\u00e1torka<\/strong> A jak u\u017e bylo \u0159e\u010deno, \u0159ada lid\u00ed, zejm\u00e9na s n\u00edzk\u00fdmi p\u0159\u00edjmy, se pohybuje na hran\u011b dluhov\u00e9 pasti. Mezi nej\u010dast\u011bj\u0161\u00ed komplikace p\u0159i spl\u00e1cen\u00ed u nebankovn\u00edch spole\u010dnost\u00ed se uk\u00e1zalo spl\u00e1cen\u00ed p\u016fj\u010dky jinou p\u016fj\u010dkou. <\/p>\n\n\n\n D\u00e1le podle pr\u016fzkumu lid\u00e9 \u010delili extr\u00e9mn\u011b vysok\u00fdm \u00farok\u016fm, kter\u00e9 nedok\u00e1zali platit. Mnoz\u00ed tak\u00e9 zmi\u0148ovali pen\u00e1le a pokuty za sebemen\u0161\u00ed zpo\u017ed\u011bn\u00ed spl\u00e1tky nebo ztr\u00e1tu p\u0159\u00edjmu b\u011bhem spl\u00e1cen\u00ed. <\/p>\n\n\n\n P\u0159ed p\u016fj\u010dkami od n\u011bkter\u00fdch nebankovn\u00edch spole\u010dnost\u00ed varuje i organizace \u010clov\u011bk v t\u00edsni. Hlavn\u011b p\u0159ed t\u011bmi, kter\u00e9 zprost\u0159edkov\u00e1vaj\u00ed p\u016fj\u010den\u00ed pen\u011bz mezi dv\u011bma lidmi. N\u011bkter\u00e9 z nich se toti\u017e ne\u0159\u00edd\u00ed z\u00e1konem o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00fd dlu\u017en\u00edky chr\u00e1n\u00ed. D\u00e1 se tak podle organizace snadno spadnout do dluhov\u00e9 pasti. <\/p>\n\n\n\n redaktorka \u010cT<\/strong> Pot\u0159ebovala se odst\u011bhovat od partnera i s d\u011btmi. Jako pracovnice v soci\u00e1ln\u00ed sf\u00e9\u0159e ale nem\u011bla pen\u011bz nazbyt, a tak si p\u016fj\u010dila 20 000. Lenka, dlu\u017enice<\/strong> Vzhledem k m\u00fd minulosti, kterou nechci \u00fapln\u011b rozeb\u00edrat, tak jedin\u00e1 mo\u017enost byla p\u016fj\u010dit si n\u011bkde u n\u011bjak\u00fd nebankovn\u00ed spole\u010dnosti, tak jsem si na internetu na\u0161la spole\u010dnost Bankerat, mohla jsem si vybrat pouze z jednoho \u00faroku, kter\u00fd byl 30 %, ale v t\u00fd situaci jsem prost\u011b ty pen\u00edze pot\u0159ebovala.<\/p>\n\n\n\n redaktorka \u010cT<\/strong> 15 m\u011bs\u00edc\u016f dluh spl\u00e1cela. Ten \u0161estn\u00e1ct\u00fd ale s pen\u011bzi nevy\u0161la a s platbou se opozdila. Spole\u010dnost zah\u00e1jila rozhod\u010d\u00ed \u0159\u00edzen\u00ed. <\/p>\n\n\n\n Krist\u00fdna Dolej\u0161ov\u00e1 Kabelov\u00e1, advok\u00e1tka<\/strong> Nam\u00edsto n\u011bjak\u00e9ho nez\u00e1visl\u00e9ho soudu rozhoduje rozhodce, kter\u00fd je ur\u010den v t\u00e9 p\u016fvodn\u00ed smlouv\u011b o z\u00e1p\u016fj\u010dce. I kdy\u017e v podstat\u011b p\u0159ed zah\u00e1jen\u00edm toho rozhod\u010d\u00edho \u0159\u00edzen\u00ed u\u017e uhradila velkou \u010d\u00e1st, tak pak pot\u00e9 byl vyd\u00e1n rozhod\u010d\u00ed n\u00e1lez a v exekuci musela uhradit je\u0161t\u011b dal\u0161\u00edch skoro 38 000. <\/p>\n\n\n\n Kl\u00e1ra Je\u0161inov\u00e1, redaktorka \u010cT<\/strong> P\u0159ed takov\u00fdmi situacemi chr\u00e1n\u00ed dlu\u017en\u00edky z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Upravuje vztah mezi firmami a lidmi, kte\u0159\u00ed si p\u016fj\u010duj\u00ed.<\/p>\n\n\n\n spole\u010dnost Bankerat<\/strong> Inzertn\u00ed port\u00e1l nen\u00ed smluvn\u00ed stranou smlouvy o p\u016fj\u010dce, kterou spolu uzav\u0159ou inzerent s t\u00edm, koho si vybral s odpov\u011bd\u00ed na sv\u016fj inzer\u00e1t. Neuzav\u00edr\u00e1 s u\u017eivateli inzertn\u00edho port\u00e1lu ani \u017e\u00e1dn\u00fd jin\u00fd smluvn\u00ed dokument, kter\u00fd by se t\u00fdkal zad\u00e1v\u00e1n\u00ed inzer\u00e1tu na p\u016fj\u010dku nebo naopak odpov\u011bd\u00ed na inzer\u00e1ty. <\/p>\n\n\n\n Kl\u00e1ra Je\u0161inov\u00e1, redaktorka \u010cT<\/strong> Vrchn\u00ed soud v Praze ale dosp\u011bl k z\u00e1v\u011bru, \u017ee port\u00e1l funguje jako profesion\u00e1ln\u00ed zprost\u0159edkovatel, a z\u00e1kon se tak vztahuje i na n\u011bj. Podle \u010clov\u011bka v t\u00edsni d\u016fle\u017eit\u00fd moment. Ministerstvo financ\u00ed ale p\u0159ipravilo zm\u011bnu, kter\u00e1 zm\u00ednku o zprost\u0159edkovateli z legislativy ma\u017ee.<\/p>\n\n\n\n Daniel H\u016fle, vedouc\u00ed programu Dluhov\u00e9ho poradenstv\u00ed \u010clov\u011bka v t\u00edsni<\/strong> To podle n\u00e1s povede k tomu, \u017ee tady spole\u010dnost\u00ed jako Bankerat za\u010dne p\u0159ib\u00fdvat jako hub po de\u0161ti, proto\u017ee to bude nab\u00edzet n\u00e1dhernou p\u0159\u00edle\u017eitost poskytovat pen\u00edze bez jak\u00fdkoliv regulace. <\/p>\n\n\n\n Petra Vodstr\u010dilov\u00e1, mluv\u010d\u00ed, Ministerstvo financ\u00ed<\/strong> Definice v z\u00e1kon\u011b se upravuje kv\u016fli zaji\u0161t\u011bn\u00ed souladu s evropskou sm\u011brnic\u00ed. Evropsk\u00e1 \u00faprava se t\u00fdk\u00e1 pouze takov\u00fdch \u00fav\u011br\u016f, kter\u00e9 poskytuje spot\u0159ebiteli podnikatel, nikoliv jin\u00e1 nepodnikaj\u00edc\u00ed fyzick\u00e1 osoba. Z\u00e1m\u011brem z\u00e1kona nikdy nebylo regulovat vztahy mezi dv\u011bma nepodnikateli. <\/p>\n\n\n\n Kl\u00e1ra Je\u0161inov\u00e1, redaktorka \u010cT<\/strong> \u010clov\u011bk v t\u00edsni proto vyz\u00fdv\u00e1, aby si lid\u00e9, pokud mus\u00ed, p\u016fj\u010dovali jen od firem s licenc\u00ed. Jejich seznam nab\u00edz\u00ed na webu jakp\u0159e\u017e\u00edtdluhy.cz. V p\u0159\u00edpad\u011b pot\u00ed\u017e\u00ed se mohou obr\u00e1tit na dluhovou poradnu. <\/p>\n","protected":false},"excerpt":{"rendered":" \u010cesk\u00e1 televize Nedostate\u010dn\u00e9 znalosti o p\u016fj\u010dk\u00e1ch, ned\u016fv\u011bra a taky probl\u00e9my se spl\u00e1cen\u00edm dluh\u016f. Nejen to vyplynulo z nov\u00e9ho pr\u016fzkumu spole\u010dnosti Behavio pro projekt Nepla\u0165 \u00faroky, […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":19889,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-59504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/59504","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=59504"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/59504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/19889"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=59504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=59504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=59504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}