[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.balchem.cz\/cechu-neplaticich-vcas-dluhy-je-mene\/#Article","mainEntityOfPage":"https:\/\/www.balchem.cz\/cechu-neplaticich-vcas-dluhy-je-mene\/","headline":"\u010cech\u016f neplat\u00edc\u00edch v\u010das dluhy je m\u00e9n\u011b","name":"\u010cech\u016f neplat\u00edc\u00edch v\u010das dluhy je m\u00e9n\u011b","description":"\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pod\u00edl lid\u00ed, kte\u0159\u00ed v\u010das neplat\u00ed svoje dluhy je \u010d\u00edm d\u00e1l m\u00e9n\u011b. Tento stav se za\u010dal sni\u017eovat od roku 2008. Informovalo o tom sdru\u017een\u00ed registru dlu\u017en\u00edk\u016f, Kter\u00e9 sv\u00fdm \u010dlen\u016fm umo\u017e\u0148uje p\u0159\u00edstup k\u00a0informac\u00edm o klientech s\u00a0pot\u00ed\u017eemi se spl\u00e1cen\u00edm sv\u00fdch z\u00e1vazk\u016f. \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kles\u00e1 po\u010det osob v\u00a0prodlen\u00ed se spl\u00e1cen\u00edm v\u00a0nejrizikov\u011bj\u0161\u00edch kraj\u00edch, jako v\u00a0\u00dasteck\u00e9m a Karlovarsk\u00e9m nejv\u00edce. V\u00a0Karlovarsk\u00e9m kraji […]","datePublished":"2023-05-10","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.balchem.cz\/author\/#Person","name":"","url":"https:\/\/www.balchem.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"balchem.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a294816_w2249_t1506585398.jpg","url":"https:\/\/www.balchem.cz\/wp-content\/uploads\/img_a294816_w2249_t1506585398.jpg","height":0,"width":0},"url":"https:\/\/www.balchem.cz\/cechu-neplaticich-vcas-dluhy-je-mene\/","wordCount":402,"articleBody":"\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pod\u00edl lid\u00ed, kte\u0159\u00ed v\u010das neplat\u00ed svoje dluhy je \u010d\u00edm d\u00e1l m\u00e9n\u011b. Tento stav se za\u010dal sni\u017eovat od roku 2008. Informovalo o tom sdru\u017een\u00ed registru dlu\u017en\u00edk\u016f, Kter\u00e9 sv\u00fdm \u010dlen\u016fm umo\u017e\u0148uje p\u0159\u00edstup k\u00a0informac\u00edm o klientech s\u00a0pot\u00ed\u017eemi se spl\u00e1cen\u00edm sv\u00fdch z\u00e1vazk\u016f.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kles\u00e1 po\u010det osob v\u00a0prodlen\u00ed se spl\u00e1cen\u00edm v\u00a0nejrizikov\u011bj\u0161\u00edch kraj\u00edch, jako v\u00a0\u00dasteck\u00e9m a Karlovarsk\u00e9m nejv\u00edce. V\u00a0Karlovarsk\u00e9m kraji zaznamenali ve druh\u00e9m \u010dtvrtlet\u00ed roku nejrychlej\u0161\u00ed sn\u00ed\u017een\u00ed pod\u00edlu osob se z\u00e1vazkem po splatnosti zapsan\u00fdch v\u00a0negativn\u00edm registru.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Na konci roku 2014 m\u011blo z\u00e1znam v registru dlu\u017en\u00edk\u016f 13,95 procent dosp\u011bl\u00fdch ob\u010dan\u016f v\u00a0kraji. V\u00a0Kr\u00e1lov\u00e9hradeck\u00e9m kraji z\u016fstal po\u010det dlu\u017en\u00edk\u016f na \u00farovni prvn\u00edho \u010dtvrtlet\u00ed. N\u00e1r\u016fst pod\u00edlu zadlu\u017een\u00fdch lid\u00ed nastal pouze v\u00a0Moravskoslezsk\u00e9m kraji.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 K\u00a0pozitivn\u00edmu v\u00fdvoji a p\u0159\u00edstupu dlu\u017en\u00edk\u016f, p\u0159isp\u00edv\u00e1 podle registru dlu\u017en\u00edk\u016f v\u00fdznamnou m\u011brou nov\u00e1 legislativa v\u00a0oblasti ochrany spot\u0159ebitele. Od \u010dervna roku 2016 umo\u017e\u0148uje z\u00e1kon o ochran\u011b spot\u0159ebitele za\u0159adit \u010dlensk\u00fdm spole\u010dnostem informace do negativn\u00edho registru i bez souhlasu jejich klienta. Zlep\u0161uj\u00ed se tak mo\u017enosti \u010dlensk\u00fdch spole\u010dnost\u00ed sd\u00edlet p\u0159i dodr\u017een\u00ed p\u0159esn\u011b stanoven\u00fdch z\u00e1konn\u00fdch pravidel informace o klientech. Ti v\u011bt\u0161inou neb\u00fdvaj\u00ed schopni jinde dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm a v\u010das spl\u00e1cet svoje dluhy.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nov\u00fd z\u00e1kon d\u00e1v\u00e1 povinnost poskytovatel\u016fm \u00fav\u011bru prov\u011b\u0159it dostate\u010dn\u011b schopnost \u017eadatele spl\u00e1cet dluh. \u010clenov\u00e9 registru dlu\u017en\u00edk\u016f maj\u00ed p\u0159\u00edstup k\u00a0informac\u00edm o klientech, kte\u0159\u00ed maj\u00ed pot\u00ed\u017ee se spl\u00e1cen\u00edm sv\u00fdch z\u00e1vazk\u016f. Potom tak\u00e9 k\u00a0datab\u00e1zi odcizen\u00fdch a neplatn\u00fdch doklad\u016f a k\u00a0insolvenc\u00edm. Informace je v\u00a0registru uchov\u00e1na a\u017e t\u0159i roky. Data se shroma\u017e\u010fuj\u00ed pouze se souhlasem z\u00e1kazn\u00edk\u016f.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00a0registru dlu\u017en\u00edk\u016f bylo ke konci \u010dervna 2017 640\u00a0000 osob s\u00a0probl\u00e9mem spl\u00e1cen\u00ed sv\u00fdch z\u00e1vazk\u016f. Mezi \u010dleny pat\u0159\u00ed 13 bank a stavebn\u00edch spo\u0159itelen, 25 nebankovn\u00edch spole\u010dnost\u00ed, 11 telekomunika\u010dn\u00edch oper\u00e1tor\u016f, 4 distributo\u0159i energi\u00ed, dva poskytovatel\u00e9 jednoduch\u00fdch p\u016fj\u010dek a dva obchodn\u00ed \u0159et\u011bzce.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cech\u016f neplat\u00edc\u00edch v\u010das dluhy je m\u00e9n\u011b","item":"https:\/\/www.balchem.cz\/cechu-neplaticich-vcas-dluhy-je-mene\/#breadcrumbitem"}]}]