[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elkrom.cz\/insolvence-zadny-problem\/#Article","mainEntityOfPage":"https:\/\/www.elkrom.cz\/insolvence-zadny-problem\/","headline":"Insolvence? \u017d\u00e1dn\u00fd probl\u00e9m","name":"Insolvence? \u017d\u00e1dn\u00fd probl\u00e9m","description":"\u00a0V\u00a0dob\u011b televize, internetu a chytr\u00fdch telefon\u016f se velice da\u0159\u00ed tzv. \u0161mejd\u016fm. U\u017e ale zdaleka nejde jen o prodejce p\u0159edra\u017een\u00fdch hrnc\u016f, kte\u0159\u00ed c\u00edl\u00ed na d\u016fchodce. Za\u010d\u00ednaj\u00ed p\u0159evl\u00e1dat podvodn\u00e9 finan\u010dn\u00ed spole\u010dnosti, kter\u00e9 p\u016fj\u010duj\u00ed \u201ezadarmo\u201c. Ale zadarmo ani… ","datePublished":"2019-11-06","dateModified":"2019-11-06","author":{"@type":"Person","@id":"https:\/\/www.elkrom.cz\/author\/#Person","name":"","url":"https:\/\/www.elkrom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elkrom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elkrom.cz\/wp-content\/uploads\/img_a361143_w3011_t1574543960.jpg","url":"https:\/\/www.elkrom.cz\/wp-content\/uploads\/img_a361143_w3011_t1574543960.jpg","height":0,"width":0},"url":"https:\/\/www.elkrom.cz\/insolvence-zadny-problem\/","about":["Pen\u00edze"],"wordCount":456,"articleBody":"\u00a0V\u00a0dob\u011b televize, internetu a chytr\u00fdch telefon\u016f se velice da\u0159\u00ed tzv. \u0161mejd\u016fm. U\u017e ale zdaleka nejde jen o prodejce p\u0159edra\u017een\u00fdch hrnc\u016f, kte\u0159\u00ed c\u00edl\u00ed na d\u016fchodce. Za\u010d\u00ednaj\u00ed p\u0159evl\u00e1dat podvodn\u00e9 finan\u010dn\u00ed spole\u010dnosti, kter\u00e9 p\u016fj\u010duj\u00ed \u201ezadarmo\u201c. Ale zadarmo ani ku\u0159e nehrabe. Jenom\u017ee v\u00a0t\u00e9 reklam\u011b byl zn\u00e1m\u00fd herec a ten by p\u0159ece nepropagoval n\u011bco, co by bylo podvodn\u00e9\u2026 Za pen\u00edze ov\u0161em ano.\u00a0Kdy\u017e si pot\u0159ebujte p\u016fj\u010dit pen\u00edze, tak jdete v\u011bt\u0161inou do banky. Tam si prov\u011b\u0159\u00ed va\u0161e p\u0159\u00edjmy, a jestli m\u00e1te majetek, abyste byli schopni spl\u00e1cet. Banky toti\u017e cht\u011bj\u00ed pen\u00edze, kter\u00e9 p\u016fj\u010dili, vr\u00e1tit, samoz\u0159ejm\u011b s\u00a0\u00faroky. Spole\u010dnostem \u0161mejd\u016f se ale l\u00edb\u00ed, kdy\u017e nem\u016f\u017eete platit. Proto\u017ee pak si mohou \u00fa\u010dtovat neskute\u010dn\u00e9 pen\u00e1le a v\u00a0d\u016fsledku tak m\u016f\u017eete platit t\u0159eba dvojn\u00e1sobek p\u016fj\u010den\u00e9 \u010d\u00e1stky. Takov\u00e9 spole\u010dnosti tak p\u016fj\u010duj\u00ed lidem s\u00a0insolvencemi, nespl\u00e1cen\u00fdmi dluhy a ano, i t\u011bm d\u016fchodc\u016fm.\u00a0Bude to zn\u00edt o\u0161kliv\u011b a n\u011bkomu se to asi nebude l\u00edbit, ale z\u00a0velk\u00e9 \u010d\u00e1sti si takto p\u016fj\u010duj\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed pon\u011bkud men\u0161\u00ed finan\u010dn\u00ed gramotnost. Vid\u00ed jen rychl\u00e9 pen\u00edze a zapom\u00ednaj\u00ed na to, \u017ee je budou muset vr\u00e1tit. A p\u0159esn\u011b na ty jsou kampan\u011b spole\u010dnost\u00ed \u0161mejd\u016f zam\u011b\u0159eni. Na lidi, kte\u0159\u00ed si ne\u010dtou mal\u00e9 p\u00edsmo a nepo\u010d\u00edtaj\u00ed RPSN (procentu\u00e1ln\u00ed pod\u00edl z\u00a0dlu\u017en\u00e9 \u010d\u00e1stky, kter\u00fd mus\u00ed dlu\u017en\u00edk splatit za jeden roku), ani kolik jim ka\u017ed\u00fd m\u011bs\u00edc zbyde. Nen\u00ed to ale jen vina t\u011bch lid\u00ed.\u00a0\u0158ekn\u011bte sami: Kdo V\u00e1m vysv\u011btlil sv\u011bt financ\u00ed? Kdo V\u00e1m \u0159ekl, jak platit slo\u017eenky, nebo co to v\u016fbec to RPSN je? J\u00e1 se to dozv\u011bd\u011bla a\u017e po maturit\u011b s\u00a0prvn\u00ed slo\u017eenkou za odpad. A to je pr\u00e1v\u011b ono \u2013 m\u00e1lokdo to sv\u00fdm d\u011btem, nebo t\u0159eba \u017e\u00e1k\u016fm vysv\u011btl\u00ed. Lid\u00e9 to pak zji\u0161\u0165uj\u00ed v\u011bt\u0161inou na internetu \u2013 a tam je hodn\u011b n\u00e1zor\u016f, m\u00e1lo fakt\u016f a dost \u0161mejd\u016f. Zadala jsem do vyhled\u00e1va\u010de \u201eco je to rpsn\u201c. P\u0159esn\u011b jak jsem to napsala. Jako prvn\u00ed mi vyjela kalkula\u010dka k\u00a0RPSN. Dal\u0161\u00ed dva odkazy ov\u0161em byly na dluhopisy a \u00fav\u011bry. A kam p\u016fjdete, kdy\u017e je nadpisem \u201eP\u016fj\u010dka bez \u00farok\u016f\u201c?\u00a0Nem\u016f\u017eu nikomu zak\u00e1zat, aby si p\u016fj\u010doval. Ale p\u0159esto chci apelovat, aby se lid\u00e9 alespo\u0148 s\u00a0n\u011bk\u00fdm poradili, ne\u017e se zadlu\u017e\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence? \u017d\u00e1dn\u00fd probl\u00e9m","item":"https:\/\/www.elkrom.cz\/insolvence-zadny-problem\/#breadcrumbitem"}]}]