{"id":358989,"date":"2025-10-13T11:40:55","date_gmt":"2025-10-13T10:40:55","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=358989"},"modified":"2025-10-13T11:40:55","modified_gmt":"2025-10-13T10:40:55","slug":"dtest-hrozi-vam-stale-podvodne-hovory","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=358989","title":{"rendered":"dTest: Hroz\u00ed v\u00e1m st\u00e1le podvodn\u00e9 hovory?"},"content":{"rendered":"
V\u00edte, jak se chr\u00e1nit p\u0159ed fale\u0161n\u00fdmi hovory z \u201ebanky\u201c a kdy po v\u00e1s oper\u00e1tor nesm\u00ed cht\u00edt pokutu? Novela z\u00e1kona o elektronick\u00fdch komunikac\u00edch m\u00ed\u0159\u00ed mimo jin\u00e9 na boj proti podvodn\u00fdm bank\u00e9\u0159\u016fm, stanovuje pevn\u00e1 pravidla pro ud\u011blov\u00e1n\u00ed smluvn\u00edch pokut a roz\u0161i\u0159uje pravomoci \u010cesk\u00e9ho telekomunika\u010dn\u00edho \u00fa\u0159adu. Ten nov\u011b rozhoduje nejen spory t\u00fdkaj\u00edc\u00ed se vol\u00e1n\u00ed, textov\u00fdch zpr\u00e1v a dat, ale tak\u00e9 platby za slu\u017eby a zbo\u017e\u00ed \u00fazce souvisej\u00edc\u00ed s poskytov\u00e1n\u00edm telekomunika\u010dn\u00edch slu\u017eeb. Jak se novela projev\u00ed v t\u011bchto oblastech v praxi?<\/h6>\n
Boj s telefonn\u00edmi podvodn\u00edky<\/strong><\/h6>\n

\"\"U\u017e v\u00e1m n\u011bkdy volala \u201ebanka\u201c s t\u00edm, \u017ee v\u00e1m n\u011bkdo od\u010derp\u00e1v\u00e1 \u00faspory, a pot\u00e9 po v\u00e1s hlas na druh\u00e9m konci vy\u017eadoval citliv\u00e9 \u00fadaje k va\u0161emu bankovnictv\u00ed? S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed \u0161lo o tzv. spoofing. U tohoto typu podvod\u016f pachatel\u00e9 volaj\u00ed z re\u00e1ln\u00fdch telefonn\u00edch \u010d\u00edsel d\u016fv\u011bryhodn\u00fdch instituc\u00ed a vyu\u017e\u00edvaj\u00ed stresov\u00e9 situace k vyl\u00e1k\u00e1n\u00ed osobn\u00edch \u00fadaj\u016f nebo pen\u011bz.<\/p>\n

Pr\u00e1v\u011b na st\u00e1le vzr\u016fstaj\u00edc\u00ed trend \u201epodvodn\u00fdch bank\u00e9\u0159\u016f\u201c se sna\u017e\u00ed reagovat novela z\u00e1kona, kter\u00e1 m\u00e1 usnadnit odhalov\u00e1n\u00ed t\u011bchto podvod\u016f. Oper\u00e1to\u0159i, kte\u0159\u00ed disponuj\u00ed \u00fadaji o telefonn\u00edch \u010d\u00edslech, hodnot\u00ed rizikovost uskute\u010dn\u011bn\u00e9 komunikace podle odchylek od b\u011b\u017en\u00e9ho pr\u016fb\u011bhu hovor\u016f. Pozornost typicky p\u0159itahuj\u00ed nestandardn\u011b dlouh\u00e9 hovory uskute\u010dn\u011bn\u00e9 v kr\u00e1tk\u00e9m \u010dasov\u00e9m sledu.<\/p>\n

\n

Nov\u011b mohou oper\u00e1to\u0159i sd\u00edlet tyto provozn\u00ed \u00fadaje mezi sebou bez souhlasu u\u017eivatele,a to pr\u00e1v\u011b za \u00fa\u010delem zabr\u00e1n\u011bn\u00ed zneu\u017e\u00edv\u00e1n\u00ed s\u00edt\u00ed a slu\u017eeb. Vybran\u00e9 informace o rizikov\u00fdch hovorech mohou n\u00e1sledn\u011b p\u0159edat tak\u00e9 bank\u00e1m, kter\u00e9 si je v\u0161ak musej\u00ed individu\u00e1ln\u011b vy\u017e\u00e1dat. Vyhodnocen\u00ed rizikovosti konkr\u00e9tn\u00edho hovoru nebo zpr\u00e1vy pak bank\u00e1m pom\u016f\u017ee l\u00e9pe odhalovat transakce uskute\u010dn\u011bn\u00e9 v d\u016fsledku podvodn\u00e9ho jedn\u00e1n\u00ed.<\/p>\n<\/div>\n

\u201eI p\u0159es novou legislativu plat\u00ed z\u00e1kladn\u00ed pravidlo: nereagujte na hovory ani SMS, kter\u00e9 v\u00e1s nut\u00ed jednat pod tlakem kv\u016fli \u00fadajn\u011b ohro\u017een\u00fdm financ\u00edm. Pokud by va\u0161e pen\u00edze byly skute\u010dn\u011b v nebezpe\u010d\u00ed, va\u0161e banka sama podnikne pot\u0159ebn\u00e9 kroky. V p\u0159\u00edpad\u011b pochybnost\u00ed v\u017edy kontaktujte svou banku skrze infolinku \u010di aplikaci internetov\u00e9ho bankovnictv\u00ed,\u201c\u00a0<\/em>zd\u016fraz\u0148uje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Jasn\u00e1 pravidla pro smluvn\u00ed pokuty<\/strong><\/h6>\n

Novela z\u00e1kona tak\u00e9 zp\u0159es\u0148uje pravidla pro uplat\u0148ov\u00e1n\u00ed smluvn\u00edch pokut. Nov\u011b je stanoveno, \u017ee smluvn\u00ed pokuta mus\u00ed b\u00fdt v\u017edy po\u010d\u00edt\u00e1na ze skute\u010dn\u011b \u00fa\u010dtovan\u00e9 ceny, tedy v\u010detn\u011b v\u0161ech slev a bonus\u016f. Nen\u00ed tedy mo\u017en\u00e9 vych\u00e1zet z pln\u00e9 cen\u00edkov\u00e9 ceny, pokud z\u00e1kazn\u00edk vyu\u017e\u00edval zv\u00fdhodn\u011bn\u00fd tarif.<\/p>\n

Z\u00e1rove\u0148 nad\u00e1le plat\u00ed, \u017ee pokud vypov\u00edte smlouvu po uplynut\u00ed alespo\u0148 t\u0159\u00ed m\u011bs\u00edc\u016f od jej\u00edho uzav\u0159en\u00ed, oper\u00e1tor po v\u00e1s nesm\u00ed po\u017eadovat smluvn\u00ed pokutu za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed. To plat\u00ed pro smlouvy na dobu ur\u010ditou i neur\u010ditou. P\u0159i d\u0159\u00edv\u011bj\u0161\u00edm skon\u010den\u00ed smlouvy m\u00e1 oper\u00e1tor pr\u00e1vo po\u017eadovat maxim\u00e1ln\u011b 5 % z\u202ftoho, co byste zaplatili po dobu trv\u00e1n\u00ed smlouvy, kdybyste smlouvu nezru\u0161ili.<\/p>\n

\u201eTak\u00e9 je t\u0159eba p\u0159ipomenout, \u017ee oper\u00e1to\u0159i se \u010dasto sna\u017e\u00ed z\u00e1kazn\u00edky odradit od v\u00fdpov\u011bdi smlouvy t\u00edm, \u017ee po\u017eaduj\u00ed doplatek za dotovan\u00e9 za\u0159\u00edzen\u00ed. Ze z\u00e1kona v\u0161ak m\u00e1te pr\u00e1vo za\u0159\u00edzen\u00ed, kter\u00e9 spl\u00e1c\u00edte, vr\u00e1tit, ani\u017e byste cokoli dopl\u00e1celi. Doplatek se t\u00fdk\u00e1 pouze situac\u00ed, kdy si za\u0159\u00edzen\u00ed chcete ponechat. Jak\u00e1koli smluvn\u00ed ustanoven\u00ed, kter\u00e1 stanovuj\u00ed jin\u00fd postup a odrazuj\u00ed od zm\u011bny oper\u00e1tora, nejsou pr\u00e1vn\u011b \u00fa\u010dinn\u00e1,\u201c<\/em>\u00a0upozor\u0148uje Hek\u0161ov\u00e1 z\u00a0dTestu.<\/p>\n

Rychlej\u0161\u00ed \u0159e\u0161en\u00ed spor\u016f<\/strong><\/h6>\n

N\u011bkter\u00e9 p\u0159\u00edpady, kter\u00e9 jste d\u0159\u00edve museli \u0159e\u0161it p\u0159ed soudem, nyn\u00ed m\u016f\u017ee rozhodovat \u010cesk\u00fd telekomunika\u010dn\u00ed \u00fa\u0159ad. Jedn\u00e1 se o spory t\u00fdkaj\u00edc\u00ed se nezaplacen\u00fdch faktur za telekomunika\u010dn\u00ed slu\u017eby, dopl\u0148kov\u00e9 slu\u017eby a za\u0159\u00edzen\u00ed, jako jsou nap\u0159\u00edklad aktiva\u010dn\u00ed poplatky, instalace, set-top boxy nebo modemy poskytovan\u00e9 v r\u00e1mci bal\u00ed\u010dk\u016f sjednan\u00fdch nap\u0159\u00edklad s\u00a0mobiln\u00edmi oper\u00e1tory. Pat\u0159\u00ed sem tak\u00e9 spory o platby uskute\u010dn\u011bn\u00e9 prost\u0159ednictv\u00edm telefonn\u00edch slu\u017eeb, nap\u0159\u00edklad premium SMS, d\u00e1rcovsk\u00e9 SMS nebo m-platby (platba p\u0159es mobiln\u00ed tarif nebo kredit oper\u00e1tora), a to i za slu\u017eby poskytovan\u00e9 t\u0159et\u00edmi stranami. C\u00edlem je zjednodu\u0161it a zrychlit \u0159e\u0161en\u00ed spor\u016f pro spot\u0159ebitele.<\/p>\n

dTest<\/strong><\/p>\n

\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

V\u00edte, jak <\/p>\n","protected":false},"author":2,"featured_media":358990,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2025\/10\/13\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/358989"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=358989"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/358989\/revisions"}],"predecessor-version":[{"id":358991,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/358989\/revisions\/358991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/358990"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=358989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=358989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=358989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}