[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nooby.sk\/ked-nevladzete-splacat-tak-sa-dohodnite\/#Article","mainEntityOfPage":"https:\/\/www.nooby.sk\/ked-nevladzete-splacat-tak-sa-dohodnite\/","headline":"Ke\u010f nevl\u00e1dzete spl\u00e1ca\u0165, tak sa dohodnite","name":"Ke\u010f nevl\u00e1dzete spl\u00e1ca\u0165, tak sa dohodnite","description":"Ak spl\u00e1cate finan\u010dn\u00fa p\u00f4\u017ei\u010dku, m\u00f4\u017ee sa v\u00e1m pokojne sta\u0165, \u017ee sa ocitnete v\u00a0situ\u00e1cii, \u017ee me\u0161k\u00e1te so spl\u00e1tkami, alebo ich nie […]","datePublished":"2019-01-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.nooby.sk\/author\/#Person","name":"","url":"https:\/\/www.nooby.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nooby.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nooby.sk\/wp-content\/uploads\/img_a298707_w16587_t1553707934.jpg","url":"https:\/\/www.nooby.sk\/wp-content\/uploads\/img_a298707_w16587_t1553707934.jpg","height":0,"width":0},"url":"https:\/\/www.nooby.sk\/ked-nevladzete-splacat-tak-sa-dohodnite\/","wordCount":401,"articleBody":"Ak spl\u00e1cate finan\u010dn\u00fa p\u00f4\u017ei\u010dku, m\u00f4\u017ee sa v\u00e1m pokojne sta\u0165, \u017ee sa ocitnete v\u00a0situ\u00e1cii, \u017ee me\u0161k\u00e1te so spl\u00e1tkami, alebo ich nie ste schopn\u00ed plati\u0165 dlh\u0161ie obdobie. Z\u00e1kladom je, aby ste s\u00a0bankou komunikovali. Verte, \u017ee aj s touto in\u0161tit\u00faciou sa d\u00e1 norm\u00e1lne a\u00a0rozumne dohodn\u00fa\u0165. Nejak\u00fdm t\u00fdm zmluvn\u00fdm pokut\u00e1m sa bohu\u017eia\u013e nevyhnete. Je to v\u0161ak ur\u010dite lep\u0161\u00ed pr\u00edpad, ako exek\u00facia, \u010di zablokovanie \u00fa\u010dtov.\u00a0P\u00e1 rokov dozadu som za\u017eil t\u00fato situ\u00e1ciu na vlastnej ko\u017ei. Z\u00a0viacer\u00fdch d\u00f4vodov som nebol schopn\u00fd spl\u00e1ca\u0165 mal\u00fa p\u00f4\u017ei\u010dku. Ne\u0161lo o\u00a0\u017eiadne tragicky dlh\u00e9 obdobie, ale iba o\u00a0tri, \u010di \u0161tyri mesiace. Prizn\u00e1m sa, \u017ee v\u00a0prvom momente som za\u010dal panik\u00e1ri\u0165. Bol som toti\u017e skalopevne presved\u010den\u00fd, \u017ee banka na m\u0148a okam\u017eite po\u0161le exek\u00fatora. Nakoniec som svoj strach prekonal a\u00a0zastavil sa na pobo\u010dke. Povedali mi, \u017ee do exek\u00facie m\u00e1m e\u0161te \u010faleko. Ak splat\u00edm svoje dlhy do troch mesiacov, zaplat\u00edm nejak\u00fa smie\u0161nu pokutu a\u00a0\u017eivot ide \u010falej. Pokia\u013e, by som to nezaplatil ani po tejto dobe, m\u00e1m sa ur\u010dite ozva\u0165. O\u00a0mesiac na to som dobehol, to \u010do som zame\u0161kal a\u00a0v\u0161etko bolo v\u00a0poriadku. \u00a0M\u00f4jmu zn\u00e1memu sa stala podobn\u00e1 situ\u00e1cia. Ten to v\u0161ak rie\u0161il inak. Banke z\u00e1sadne nezdv\u00edhal telef\u00f3ny, neodpovedal na maily a\u00a0nereagoval na upomienky, ktor\u00e9 mu chodili po\u0161tou. Podobne ako ja, me\u0161kal iba nejak\u00e9 dva mesiace. U\u0148ho sa to ale skon\u010dilo papierom so s\u00fadnym rozhodnut\u00edm, \u017ee jeho dlhy pre\u0161li na exeku\u010dn\u00fa firmu. Aj s\u00a0\u0148ou sa dalo dohodn\u00fa\u0165 na spl\u00e1tkovom kalend\u00e1ri, av\u0161ak spom\u00ednan\u00e9 pokuty boli u\u017e podstatne vy\u0161\u0161ie. Teda v tomto pr\u00edpade ne\u0161lo o\u00a0pokuty, ale r\u00f4zne exeku\u010dn\u00e9 a\u00a0not\u00e1rske poplatky. Takto sa to naz\u00fdva ofici\u00e1lne.\u00a0Zapam\u00e4tajte si teda jednu vec. Ak m\u00e1te podobn\u00e9 probl\u00e9my aj vy, zdv\u00edhajte telef\u00f3ny, komunikujte a\u00a0spolupracujte. Je to ur\u010dite lep\u0161ie ako ne\u010dinne \u010daka\u0165 na rozhodnutie s\u00fadu. No a\u00a0ak to neza\u010dnete rie\u0161i\u0165 ani vtedy, tak sa jedn\u00e9ho d\u0148a m\u00f4\u017eete pokojne ocitn\u00fa\u0165 na ulici.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ke\u010f nevl\u00e1dzete spl\u00e1ca\u0165, tak sa dohodnite","item":"https:\/\/www.nooby.sk\/ked-nevladzete-splacat-tak-sa-dohodnite\/#breadcrumbitem"}]}]