{"id":36042,"date":"2020-08-21T11:04:15","date_gmt":"2020-08-21T09:04:15","guid":{"rendered":"https:\/\/www.krivak.sk\/?p=36042"},"modified":"2020-11-23T11:53:48","modified_gmt":"2020-11-23T10:53:48","slug":"co-mam-robit-ked-som-dovolil-kamaratovi-vziat-si-spotrebny-uver-na-moje-meno-a-on-ho-potom-prestal-splacat","status":"publish","type":"post","link":"https:\/\/www.krivak.sk\/eng\/co-mam-robit-ked-som-dovolil-kamaratovi-vziat-si-spotrebny-uver-na-moje-meno-a-on-ho-potom-prestal-splacat\/","title":{"rendered":"<i class='fa fa-comments'><\/i> \u010co m\u00e1m robi\u0165, ke\u010f som dovolil kamar\u00e1tovi vzia\u0165 si spotrebn\u00fd \u00faver na moje meno a\u00a0on ho potom prestal spl\u00e1ca\u0165?"},"content":{"rendered":"<h3><strong>J\u00e1n \u00a0pomohol\u00a0 kamar\u00e1tovi\u00a0 <\/strong><strong>Otovi <\/strong><strong>v n\u00fadzi tak, \u017ee mu zalo\u017eil \u00fa\u010det v banke na svoje meno. Dal mu bankov\u00fa kartu a pr\u00edstup k Internet bankingu. Oto si potom zmenil v Internet bankingu \u00fadaje tak, \u017ee v\u0161etky inform\u00e1cie chodili na jeho e-mailov\u00fa adresu a jeho telef\u00f3nne \u010d\u00edslo. Potom si takto Oto zobral spotrebn\u00fd \u00faver na J\u00e1nove meno. Banka to umo\u017enila, preto\u017ee nevedela, \u017ee\u00a0 Internet banking nepou\u017e\u00edva J\u00e1n, ale Oto. J\u00e1n sa o spotrebnom \u00favere dozvedel a\u017e vtedy, ke\u010f si J\u00e1n chcel zobra\u0165 hypot\u00e9ku. Pod\u013ea v\u00fdpisu z \u00faverov\u00e9ho registra mal J\u00e1n spotrebn\u00fd \u00faver vo v\u00fd\u0161ke 15 000 Eur a banka mu nemohla schv\u00e1li\u0165 hypot\u00e9ku vo v\u00fd\u0161ke, v akej ju J\u00e1n potreboval. Nesk\u00f4r Oto prestal spotrebn\u00fd \u00faver spl\u00e1ca\u0165. \u00daver teraz mus\u00ed spl\u00e1ca\u0165 J\u00e1n, inak mu hroz\u00ed exek\u00facia, pred\u010dasn\u00e1 splatnos\u0165 hypot\u00e9ky a z\u00e1pis v registri neplati\u010dov v r\u00e1mci \u00faverov\u00e9ho registra. Ak\u00e9 m\u00e1 J\u00e1n mo\u017enosti?<\/strong><\/h3>\n<p>J\u00e1nove <strong>mo\u017enosti s\u00fa ve\u013emi limitovan\u00e9<\/strong>. U\u017e pochopil, \u017ee <strong>da\u0165 Otovi \u00fadaje od Internet bankingu bola chyba<\/strong>. Banka dala \u00faver J\u00e1novi a\u00a0Otovi by \u00faver pravdepodobne nedala. Tak\u017ee aj keby bol Oto ochotn\u00fd<strong> prevzia\u0165 z\u00e1v\u00e4zky zo spotrebn\u00e9ho\u00a0\u00faveru na seba<\/strong>, banka s\u00a0t\u00fdm nemus\u00ed s\u00fahlasi\u0165. J\u00e1n s\u00a0Otom sa o\u00a0to v\u0161ak m\u00f4\u017eu pok\u00fasi\u0165. Ka\u017edop\u00e1dne, n\u00e1rok na to, aby to banka urobila, neexistuje. Banka konala v\u00a0dobej viere, \u017ee \u00faver d\u00e1va J\u00e1novi a\u00a0nie Otovi.<\/p>\n<h6><\/h6>\n<p>Ak Oto nebude m\u00f4c\u0165 prevzia\u0165 z\u00e1v\u00e4zky z \u00faveru, potom sa m\u00f4\u017ee J\u00e1n pok\u00fasi\u0165 <strong>presved\u010di\u0165 kamar\u00e1ta, aby aspo\u0148 vo\u010di J\u00e1novi uznal z\u00e1v\u00e4zok<\/strong>. Oto potvrd\u00ed, \u017ee mu J\u00e1n poskytol p\u00f4\u017ei\u010dku vo v\u00fd\u0161ke Otom nesplaten\u00e9ho spotrebn\u00e9ho \u00faveru, a \u017ee je Oto povinn\u00fd ju spl\u00e1ca\u0165 v rovnak\u00fdch spl\u00e1tkach, v ak\u00fdch je splatn\u00fd spotrebn\u00fd \u00faver, ktor\u00fd si vzal na J\u00e1novo meno. Toto potvrdenie je potrebn\u00e9 sp\u00edsa\u0165 vo forme not\u00e1rskej z\u00e1pisnice o uznan\u00ed z\u00e1v\u00e4zku. Tak\u00e1 <strong>not\u00e1rska z\u00e1pisnica predstavuje exeku\u010dn\u00fd titul, na z\u00e1klade ktor\u00e9ho je mo\u017en\u00e9 za\u010da\u0165 exek\u00faciu bez predch\u00e1dzaj\u00facej \u017ealoby.<\/strong><\/p>\n<h6><\/h6>\n<p>Ak Oto na\u010falej nebude spotrebn\u00fd \u00faver banke spl\u00e1ca\u0165, potom m\u00f4\u017ee J\u00e1n not\u00e1rsku z\u00e1pisnicu pou\u017ei\u0165 na za\u010datie exek\u00facie vo\u010di Otovi. N\u00e1vrh na vykonanie exek\u00facie sa pod\u00e1va elektronicky. Za relat\u00edvne n\u00edzky poplatok to rob\u00ed v\u00e4\u010d\u0161ina exek\u00fatorov. Ak m\u00e1 Oto st\u00e1le zamestnanie, \u010do je ten lep\u0161\u00ed pr\u00edpad, potom m\u00f4\u017ee exek\u00fator posiela\u0165 zr\u00e1\u017eky z\u00a0jeho mzdy na J\u00e1nov \u00fa\u010det. Tak sa J\u00e1novi vr\u00e1ti aspo\u0148 \u010das\u0165 \u00faveru, ktor\u00fd bude spl\u00e1ca\u0165 za kamar\u00e1ta Ota. Ak Oto v\u00a0\u010dase za\u010datia exek\u00facie nebude ma\u0165 zamestnanie, mo\u017eno ho z\u00edska nesk\u00f4r.<\/p>\n<h6><\/h6>\n<p>Ka\u017edop\u00e1dne, pri mo\u017enostiach pop\u00edsan\u00fdch vy\u0161\u0161ie bude ve\u013ea z\u00e1visie\u0165 od \u010destnosti Ota, resp. od\u00a0presved\u010dovac\u00edch schopnost\u00ed J\u00e1na.<\/p>\n<h6><\/h6>\n<p><strong>Ak Oto nebude spolupracova\u0165 v\u00f4bec, m\u00f4\u017ee vo\u010di nemu J\u00e1n poda\u0165 n\u00e1vrh na vydanie platobn\u00e9ho rozkazu v upom\u00ednacom konan\u00ed.<\/strong> To v pr\u00edpade, ak m\u00e1 J\u00e1n d\u00f4kazy o tom, \u017ee \u00faver skuto\u010dne spotreboval on. V upom\u00ednacom konan\u00ed sa plat\u00ed poplatok vo v\u00fd\u0161ke 3 % zo \u017ealovanej sumy a n\u00e1vrh sa aj v tomto pr\u00edpade pod\u00e1va elektronicky. Na to bude J\u00e1n potrebova\u0165 advok\u00e1ta. Bohu\u017eia\u013e, v\u00e4\u010d\u0161ina upom\u00ednac\u00edch konan\u00ed kon\u010d\u00ed tak \u010di tak na s\u00fade. Teda v riadnom s\u00fadnom konan\u00ed s pojedn\u00e1vaniami a dokazovan\u00edm. Aj\u00a0 v tomto pr\u00edpade by sta\u010dilo, aby Oto podal proti platobn\u00e9mu rozkazu odpor, ktor\u00fd dostato\u010dne od\u00f4vodn\u00ed. Napr\u00edklad uvedie, \u017ee prostriedky zo spotrebn\u00e9ho \u00faveru boli priate\u013eskou v\u00fdpomocou od J\u00e1na, teda dar, a \u017ee sa nikdy na vr\u00e1ten\u00ed t\u00fdchto prostriedkov nedohodli. <strong>V \u010fal\u0161om s\u00fadnom konan\u00ed bude potom potrebn\u00e9 dok\u00e1za\u0165<\/strong>, \u017ee to tak nebolo, \u017ee J\u00e1n o \u00favere nevedel, a \u017ee v \u017eiadnom pr\u00edpade nes\u00fahlasil s t\u00fdm, aby si Oto na jeho meno zobral spotrebn\u00fd \u00faver.<\/p>\n<hr \/>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<h3>J\u00e1n \u00a0pomohol\u00a0 kamar\u00e1tovi\u00a0 Otovi v n\u00fadzi tak, \u017ee mu zalo\u017eil \u00fa\u010det v banke na svoje meno. Dal mu bankov\u00fa kartu a pr\u00edstup k Internet bankingu. Oto si potom zmenil v Internet bankingu \u00fadaje tak, \u017ee v\u0161etky inform\u00e1cie chodili na jeho e-mailov\u00fa adresu a jeho telef\u00f3nne \u010d\u00edslo. Potom si takto Oto zobral spotrebn\u00fd \u00faver na J\u00e1nove meno. Banka to umo\u017enila, preto\u017ee nevedela, \u017ee\u00a0 Internet banking nepou\u017e\u00edva J\u00e1n, ale Oto. &#8230;<\/h3>","protected":false},"author":32,"featured_media":36162,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[51],"tags":[],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36042"}],"collection":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/comments?post=36042"}],"version-history":[{"count":0,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/posts\/36042\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/media\/36162"}],"wp:attachment":[{"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/media?parent=36042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/categories?post=36042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.krivak.sk\/eng\/wp-json\/wp\/v2\/tags?post=36042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}