Mojm\u00edr \u017d\u00c1\u010cEK, redaktor \u010cesk\u00e9 televize<\/p>\n
Posledn\u00ed desetilet\u00ed se neslo v duchu krachu mnoha finan\u010dn\u00edch instituc\u00ed. Jedn\u00edm z nejv\u011bt\u0161\u00edch pak byl kolaps ostravsk\u00e9 Union banka. Bez celo\u017eivotn\u00edch \u00faspor mnohdy z\u016fstaly des\u00edtky tis\u00edc lid\u00ed. Union banka zkrachovala v kv\u011btnu 2003. V ostravsk\u00e9m pen\u011b\u017en\u00edm \u00fastavu uv\u00edzly vklady p\u011btasedmdes\u00e1ti tis\u00edc st\u0159adatel\u016f, kte\u0159\u00ed se p\u0159ihl\u00e1sili do konkurzu. V r\u00e1mci dvacetiprocentn\u00edho \u010d\u00e1ste\u010dn\u00e9ho vypo\u0159\u00e1d\u00e1n\u00ed banka vyplatila necel\u00e9 t\u0159i miliardy korun. \u010c\u00e1st pen\u011bz v\u0161ak na \u00fa\u010dtech konkurzn\u00edho spr\u00e1vce st\u00e1le le\u017e\u00ed, p\u0159esto\u017ee by mohla u\u017e b\u00fdt u sv\u00fdch vlastn\u00edk\u016f.<\/p>\n
Luk\u00e1\u0161 RAIDA, spr\u00e1vce konkurzn\u00ed podstaty, Union banka, a. s.<\/p>\n
V \u0159ad\u011b p\u0159\u00edpad\u016f v\u011b\u0159itel\u00e9 zm\u011bnili svoji adresu, p\u0159est\u011bhovali se, zm\u011bnili sv\u00e9 jm\u00e9no, d\u00e1my se provdaly a tak d\u00e1le, a tyto zm\u011bny ve sv\u00fdch osobn\u00edch \u00fadaj\u00edch neoznamovali ani konkurzn\u00edmu soudu, ani spr\u00e1v\u011b konkurzn\u00ed podstaty, a pak tedy nast\u00e1v\u00e1 probl\u00e9m p\u0159i doru\u010dov\u00e1n\u00ed pen\u011bz, kdy bu\u010f nelze doru\u010dit na dan\u00e9 jm\u00e9no nebo na danou adresu.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
\u0158e\u0161en\u00ed tohoto probl\u00e9mu nen\u00ed slo\u017eit\u00e9.<\/p>\n
Luk\u00e1\u0161 RAIDA<\/p>\n
Lh\u016fty obecn\u011b pro ud\u00e1n\u00ed jak\u00e9si zpr\u00e1vy o zm\u011bn\u011b osobn\u00edch \u00fadaj\u016f neexistuj\u00ed, nicm\u00e9n\u011b mohu samoz\u0159ejm\u011b v\u011b\u0159itel\u016fm pouze doporu\u010dit to, a\u0165 tak \u010din\u00ed bezodkladn\u011b pot\u00e9, co k t\u011bmto skute\u010dnostem dojde.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
Podstatn\u011b v\u011bt\u0161\u00ed probl\u00e9m nast\u00e1v\u00e1 v jin\u00e9 situaci.<\/p>\n
Luk\u00e1\u0161 RAIDA <\/p>\n
Tou dal\u0161\u00ed skupinou probl\u00e9mu, kter\u00e1 je spojena s nedota\u017een\u00edm v\u00fdplaty \u010d\u00e1ste\u010dn\u00e9ho rozvrhu, je ta skute\u010dnost, \u017ee \u0159ada klient\u016f Union banky v mezidob\u00ed od prohl\u00e1\u0161en\u00ed konkurzu zem\u0159ela, a pak tedy nezb\u00fdv\u00e1, ne\u017e vy\u010dkat s v\u00fdplatou \u010d\u00e1ste\u010dn\u00e9ho rozvrhu a\u017e na okam\u017eik, kdy bude pravomocn\u011b ukon\u010deno d\u011bdick\u00e9 \u0159\u00edzen\u00ed po konkr\u00e9tn\u00edm v\u011b\u0159iteli, tedy, kdy bude existovat usnesen\u00ed d\u011bdick\u00e9ho soudu o tom, komu nam\u00edsto p\u016fvodn\u011b zem\u0159el\u00e9ho v\u011b\u0159itele tyto pen\u00edze vyplatit.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
D\u016fle\u017eit\u00e9 p\u0159itom je, kdy v\u011b\u0159itel zkrachovan\u00e9 Union banky zem\u0159el.<\/p>\n
Luk\u00e1\u0161 RAIDA<\/p>\n
Pokud k \u00famrt\u00ed p\u016fvodn\u00edho v\u011b\u0159itele do\u0161lo je\u0161t\u011b p\u0159ed prohl\u00e1\u0161en\u00edm konkurzu, pak nezbylo t\u011bmto nov\u00fdm v\u011b\u0159itel\u016fm, t\u011bm d\u011bdic\u016fm, ne\u017e, aby p\u0159ihl\u00e1\u0161ku pohled\u00e1vky podali sami. Mohly s t\u00edm samoz\u0159ejm\u011b nastat ur\u010dit\u00e9 probl\u00e9my, proto\u017ee v danou chv\u00edli nemuseli m\u00edt k dispozici je\u0161t\u011b usnesen\u00ed d\u011bdick\u00e9ho soudu, ale pak tedy je na nich, aby se jako p\u0159edpokl\u00e1dan\u00ed d\u011bdicov\u00e9 p\u0159ihl\u00e1sili a teprve dodate\u010dn\u011b, pot\u00e9, co obdr\u017e\u00ed rozhodnut\u00ed d\u011bdick\u00e9ho soudu, toto dolo\u017eili.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
Do konkurzu se p\u0159ihl\u00e1silo sedmdes\u00e1t p\u011bt tis\u00edc v\u011b\u0159itel\u016f. Skute\u010dn\u00fd po\u010det ob\u010dan\u016f, kte\u0159\u00ed v Union bance m\u011bli ulo\u017een\u00e9 pen\u00edze, v\u0161ak byl t\u00e9m\u011b\u0159 dvojn\u00e1sobn\u00fd. Mezi nep\u0159ihl\u00e1\u0161en\u00fdmi jsou tak i mnoz\u00ed v\u011b\u0159itel\u00e9, kte\u0159\u00ed zem\u0159eli. \u0160ance poz\u016fstal\u00fdch na pen\u00edze je v\u0161ak nulov\u00e1.<\/p>\n
Luk\u00e1\u0161 RAIDA<\/p>\n
Pokud d\u011bdicov\u00e9, anebo i p\u016fvodn\u00ed v\u011b\u0159itel\u00e9, teprve v sou\u010dasn\u00e9 dob\u011b zjist\u00ed, \u017ee maj\u00ed pohled\u00e1vku, nebo by mohli m\u00edt pohled\u00e1vku v\u016f\u010di Union bance a tuto doposud nep\u0159ihl\u00e1sili, jsem nucen konstatovat, \u017ee bohu\u017eel u\u017e maj\u00ed sm\u016flu, proto\u017ee ub\u011bhly z\u00e1konn\u00e9 lh\u016fty, kter\u00e9 stanovuj\u00ed term\u00edn pro pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky. Do dvou m\u011bs\u00edc\u016f od prv\u00e9ho p\u0159ezkumn\u00e9ho jedn\u00e1n\u00ed nelze u\u017e k p\u0159\u00edpadn\u00e9 dodate\u010dn\u00e9 p\u0159ihl\u00e1\u0161ce v\u016fbec v r\u00e1mci konkurzu p\u0159ihl\u00ed\u017eet.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
Zcela jin\u00e1 situace nastane ve chv\u00edli, kdy zem\u0159el\u00fd v\u011b\u0159itel svou pohled\u00e1vku u Union banky v\u010das a v po\u0159\u00e1dku p\u0159ihl\u00e1sil. V takov\u00e9m p\u0159\u00edpad\u011b lid\u00e9 o zd\u011bd\u011bn\u00e9 pen\u00edze nep\u0159ijdou.<\/p>\n
Luk\u00e1\u0161 RAIDA<\/p>\n
Pot\u00e9, co tedy nov\u00fd v\u011b\u0159itel, tento d\u011bdic p\u016fvodn\u00edho v\u011b\u0159itele, z\u00edsk\u00e1 p\u0159\u00edslu\u0161n\u00e9 pravomocn\u00e9 usnesen\u00ed d\u011bdick\u00e9ho soudu, m\u011bl by toto zaslat na konkurzn\u00ed soud s ozn\u00e1men\u00edm, \u017ee do\u0161lo k takov\u00e9to skute\u010dnosti a tato bude zohledn\u011bna a bude v evidenci jak soudu, tak na\u0161\u00ed evidenci, jako nov\u00fd v\u011b\u0159itel.<\/p>\n
Mojm\u00edr \u017d\u00c1\u010cEK<\/p>\n
D\u011bdic si v\u0161ak mus\u00ed dob\u0159e spo\u010d\u00edtat, zda se o pen\u00edze ze zkrachoval\u00e9 Union banky bude uch\u00e1zet \u010di nikoli. P\u0159edev\u0161\u00edm si toti\u017e mus\u00ed zjistit stav dluh\u016f, kter\u00e9 m\u011bl p\u016fvodn\u00ed v\u011b\u0159itel.<\/p>\n
Luk\u00e1\u0161 RAIDA<\/p>\n
Zaznamenali jsme i situaci, kdy d\u011bdicov\u00e9 takto zem\u0159el\u00e9ho v\u011b\u0159itele odm\u00edtli p\u0159ijmout sv\u00e9 d\u011bdictv\u00ed po zustaviteli, a to typicky z toho d\u016fvodu, \u017ee toto d\u011bdictv\u00ed samotn\u00e9 bylo zcela p\u0159edlu\u017een\u00e9, to znamen\u00e1, \u017ee z\u00e1vazky zem\u0159el\u00e9ho byly vy\u0161\u0161\u00ed ne\u017e jeho p\u0159\u00edpadn\u00e9 pohled\u00e1vky a majetek a v takov\u00e9m p\u0159\u00edpad\u011b tedy v\u011b\u0159itel m\u016f\u017ee odm\u00edtnout p\u0159ijet\u00ed d\u011bdictv\u00ed a nevstupuje ani do pr\u00e1v, ani do povinnost\u00ed p\u016fvodn\u00edho v\u011b\u0159itele a v tomto p\u0159\u00edpad\u011b se tedy v\u011b\u0159itelem Union banky z titulu t\u00e9 p\u016fvodn\u011b p\u0159ihl\u00e1\u0161en\u00e9 pohled\u00e1vky nest\u00e1v\u00e1.<\/p>\n
Zdroj: \u010cesk\u00e1 televize<\/p>\n","protected":false},"excerpt":{"rendered":"
Mojm\u00edr \u017d\u00c1\u010cEK, redaktor \u010cesk\u00e9 televize Posledn\u00ed desetilet\u00ed se neslo v duchu krachu mnoha finan\u010dn\u00edch instituc\u00ed. Jedn\u00edm z nejv\u011bt\u0161\u00edch pak byl kolaps ostravsk\u00e9 Union banka. Bez celo\u017eivotn\u00edch \u00faspor mnohdy z\u016fstaly des\u00edtky tis\u00edc lid\u00ed. Union banka zkrachovala v kv\u011btnu 2003. V ostravsk\u00e9m pen\u011b\u017en\u00edm \u00fastavu uv\u00edzly vklady p\u011btasedmdes\u00e1ti tis\u00edc st\u0159adatel\u016f, kte\u0159\u00ed se p\u0159ihl\u00e1sili do konkurzu. V r\u00e1mci dvacetiprocentn\u00edho\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":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/878"}],"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=878"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/878\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}