OSTRAVA (20. dubna 2004) – Konkursn\u00ed spr\u00e1va Union banky v sou\u010dasn\u00e9 dob\u011b pln\u011b rozb\u011bhla vym\u00e1h\u00e1n\u00ed tzv. retailov\u00fdch \u00fav\u011br\u016f a pohled\u00e1vek (drobn\u00ed klienti) soudn\u00ed cestou. Klient, kter\u00fd nehrad\u00ed sv\u00e9 z\u00e1vazky v\u016f\u010di Union bance, ale tak\u00e9 jeho ru\u010ditel, se tak vystavuj\u00ed v kone\u010dn\u00e9m d\u016fsledku i p\u0159\u00edpadn\u00e9 exekuci majetku. Neplat\u00ed tedy \u00favahy n\u011bkter\u00fdch klient\u016f, \u017ee pokud byl na majetek Union banky prohl\u00e1\u0161en konkurs, nemus\u00ed uhradit sv\u00e9 z\u00e1vazky v\u016f\u010di bance. Uv\u011bdomit by si to m\u011bli i jejich ru\u010ditel\u00e9.<\/p>\n
Union banka postupuje p\u0159i uspokojen\u00ed sv\u00fdch pohled\u00e1vek tak, \u017ee vym\u00e1h\u00e1 dluh p\u0159edev\u0161\u00edm po dlu\u017en\u00edkovi, n\u00e1sledn\u011b pak realizac\u00ed zaji\u0161\u0165ovac\u00edch n\u00e1stroj\u016f. Nej\u010dast\u011bj\u0161\u00ed a nejrychlej\u0161\u00ed je pod\u00e1n\u00ed n\u00e1vrhu na sm\u011bne\u010dn\u00fd platebn\u00ed rozkaz, dal\u0161\u00edm velmi \u010dast\u00fdm zp\u016fsobem je soudn\u00ed prodej nemovitosti. Tyto postupy se samoz\u0159ejm\u011b t\u00fdkaj\u00ed nejen p\u0159\u00edm\u00e9ho dlu\u017en\u00edka, ale tak\u00e9 ru\u010ditel\u016f. <\/p>\n
Pokud klient nereaguje ani na soudem vydan\u00fd platebn\u00ed rozkaz, n\u00e1sleduj\u00ed exekuce zejm\u00e9na prost\u0159ednictv\u00edm soudn\u00edch exekutor\u016f, a to velmi rychle v \u0159\u00e1du n\u011bkolika t\u00fddn\u016f. I tady plat\u00ed, \u017ee exekuce jsou op\u011bt na v\u0161echny osoby a nejen na p\u0159\u00edm\u00e9ho dlu\u017en\u00edka. Exekuce m\u016f\u017ee b\u00fdt provedena z b\u011b\u017en\u00e9ho \u00fa\u010dtu, z platu, m\u016f\u017ee se t\u00fdkat movit\u00fdch v\u011bc\u00ed, ale nap\u0159\u00edklad tak\u00e9 soci\u00e1ln\u00edch d\u00e1vek \u010di stavebn\u00edho spo\u0159en\u00ed. <\/p>\n
Spr\u00e1vkyn\u011b konkursn\u00ed podstaty Union banky Michaela Huserov\u00e1 v t\u00e9 souvislosti upozor\u0148uje, aby klienti a ru\u010ditel\u00e9 nenechali v\u0161e zaj\u00edt tak daleko. Takov\u00fd zp\u016fsob \u00fahrady dluhu je pro n\u011b naprosto nev\u00fdhodn\u00fd. Placen\u00ed dluhu s p\u0159\u00edslu\u0161enstv\u00edm se nevyhnou a nav\u00edc zaplat\u00ed krom\u011b st\u00e1le nab\u00edhaj\u00edc\u00edch \u00farok\u016f z prodlen\u00ed resp. \u00farok\u016f z titulu sm\u011bne\u010dn\u00fdch \u017ealob i poplatky st\u00e1tu, exekutorovi \u010di \u00fahradu jeho n\u00e1klad\u016f. \u201eV kone\u010dn\u00e9m d\u016fsledku se m\u016f\u017ee st\u00e1t, \u017ee zaplat\u00ed dvakr\u00e1t tolik, ne\u017e si p\u016fj\u010dili. Dluh se tak klientovi m\u016f\u017ee velmi prodra\u017eit. M\u011blo by b\u00fdt v z\u00e1jmu dlu\u017en\u00edka, aby u\u010dinil maximum pro okam\u017eitou \u00fahradu sv\u00fdch dluh\u016f v\u016f\u010di bance,\u201c uvedla. Dodala p\u0159itom, \u017ee pokud retailov\u00fd klient sv\u00e9 dluhy vyrovn\u00e1 beze zbytku, je samoz\u0159ejmost\u00ed, \u017ee budou podan\u00e9 \u017ealoby vzaty zp\u011bt. <\/p>\n
Huserov\u00e1 tak\u00e9 upozornila, \u017ee p\u0159i vym\u00e1h\u00e1n\u00ed retailov\u00fdch \u00fav\u011br\u016f se prov\u011b\u0159uje i dodr\u017een\u00ed jejich \u00fa\u010delnosti. Pokud se zjist\u00ed, \u017ee klient nap\u0159\u00edklad fal\u0161oval dokumenty \u010di poskytl nepravdiv\u00e9 \u00fadaje, m\u016f\u017ee se dostat a\u017e k soudu za \u00fav\u011brov\u00fd podvod. I k takov\u00fdm p\u0159\u00edpad\u016fm b\u011bhem konkursu do\u0161lo. Pravdivost \u00fadaj\u016f se nyn\u00ed prov\u011b\u0159uje nap\u0159\u00edklad i u produktu Amos, kdy Union banka p\u016fj\u010dovala 10 tis\u00edc korun student\u016fm proti potvrzen\u00ed o studiu. <\/p>\n
Konkursn\u00ed spr\u00e1va je p\u0159esv\u011bd\u010dena, \u017ee dlu\u017en\u00edci m\u011bli za v\u00edce ne\u017e 10 m\u011bs\u00edc\u016f od prohl\u00e1\u0161en\u00ed konkursu dostatek \u010dasu sv\u00e9 dluhy v\u016f\u010di bance vyrovnat, p\u0159e\u00fav\u011brovat se u jin\u00e9ho pen\u011b\u017en\u00edho \u00fastavu, pop\u0159\u00edpad\u011b se dohodnout s ru\u010diteli. Union banka drobn\u00e9 klienty ji\u017e d\u00e1vno upozornila, \u017ee jejich dluh byl splatn\u00fd dnem prohl\u00e1\u0161en\u00ed konkursu a upozornila je rovn\u011b\u017e na kroky, kter\u00e9 budou n\u00e1sledovat, pokud nezaplat\u00ed. K informac\u00edm o sv\u00e9m dluhu m\u011bli dostate\u010dn\u00fd p\u0159\u00edstup. <\/p>\n
Jsou samoz\u0159ejm\u011b drobn\u00ed klienti, kte\u0159\u00ed ke sv\u00e9mu z\u00e1vazku p\u0159istupuj\u00ed odpov\u011bdn\u011b. S Union bankou komunikuj\u00ed a i kdy\u017e t\u0159eba nezaplatili ihned po prohl\u00e1\u0161en\u00ed konkursu, tak plat\u00ed pravideln\u011b a v\u00fdznamn\u011b sni\u017euj\u00ed v\u00fd\u0161i sv\u00e9ho dluhu. Takov\u00ed klienti zat\u00edm \u017ealov\u00e1ni nejsou. <\/p>\n
Z celkov\u00e9ho po\u010dtu 11 472 debet\u016f (\u00fa\u010dt\u016f klient\u016f se z\u00e1porn\u00fdm z\u016fstatkem) ji\u017e bylo zcela splaceno 3280 a inkaso p\u0159es\u00e1hlo 70 mili\u00f3n\u016f korun. U retailov\u00fdch \u00fav\u011br\u016f (spot\u0159ebitelsk\u00e9 \u00fav\u011bry), kter\u00fdch Union banka poskytla 4663, jich bylo zcela splaceno 1913 a inkaso dos\u00e1hlo t\u00e9m\u011b\u0159 140 mili\u00f3n\u016f korun.<\/p>\n","protected":false},"excerpt":{"rendered":"
OSTRAVA (20. dubna 2004) – Konkursn\u00ed spr\u00e1va Union banky v sou\u010dasn\u00e9 dob\u011b pln\u011b rozb\u011bhla vym\u00e1h\u00e1n\u00ed tzv. retailov\u00fdch \u00fav\u011br\u016f a pohled\u00e1vek (drobn\u00ed klienti) soudn\u00ed cestou. Klient, kter\u00fd nehrad\u00ed sv\u00e9 z\u00e1vazky v\u016f\u010di Union bance, ale tak\u00e9 jeho ru\u010ditel, se tak vystavuj\u00ed v kone\u010dn\u00e9m d\u016fsledku i p\u0159\u00edpadn\u00e9 exekuci majetku. Neplat\u00ed tedy \u00favahy n\u011bkter\u00fdch klient\u016f, \u017ee pokud byl na\u2026 Cel\u00fd \u010dl\u00e1nek »<\/a><\/span><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/630"}],"collection":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=630"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/630\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}