{"id":371190,"date":"2026-03-25T22:04:47","date_gmt":"2026-03-25T21:04:47","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=371190"},"modified":"2026-03-25T22:04:47","modified_gmt":"2026-03-25T21:04:47","slug":"dtest-na-nektere-dluhy-se-nezapomina","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=371190","title":{"rendered":"dTest: Na n\u011bkter\u00e9 dluhy se (ne)zapom\u00edn\u00e1"},"content":{"rendered":"

Jsou zpr\u00e1vy, kter\u00e9 dok\u00e1\u017eou p\u0159ekvapit, nebo dokonce vyd\u011bsit \u2013 obzvl\u00e1\u0161t\u011b kdy\u017e vyz\u00fdvaj\u00ed k\u00a0zaplacen\u00ed \u00fadajn\u00e9ho dluhu. Zat\u00edmco u n\u011bkter\u00fdch zpr\u00e1v je na prvn\u00ed pohled z\u0159ejm\u00e9, \u017ee jde o podvod, jin\u00e9 mohou p\u016fsobit v\u011brohodn\u011bji. Nap\u0159\u00edklad pokud p\u0159ich\u00e1zej\u00ed od spole\u010dnosti, u kter\u00e9 si spot\u0159ebitel v minulosti n\u011bco objednal, nebo jsou dokonce podeps\u00e1ny advok\u00e1tem. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b u\u017e \u010dlov\u011bk mnohdy zpozorn\u00ed a rad\u011bji dlu\u017enou \u010d\u00e1stku zaplat\u00ed. Je to ale opravdu to nejlep\u0161\u00ed \u0159e\u0161en\u00ed?<\/h4>\n

Dal\u0161\u00ed vlna v\u00fdzev k zaplacen\u00ed<\/strong><\/h6>\n

\"\"V\u00a0na\u0161\u00ed spot\u0159ebitelsk\u00e9 poradn\u011b se op\u011bt setk\u00e1v\u00e1me s\u00a0p\u0159\u00edpady, kdy jsou spot\u0159ebitel\u00e9 vyz\u00fdv\u00e1ni, aby zaplatili dluh, kter\u00fd jim m\u011bl vzniknout d\u0159\u00edv\u011bj\u0161\u00edm nevyzvednut\u00edm bal\u00edku.<\/p>\n

Ji\u017e\u00a0d\u0159\u00edve<\/strong><\/a>\u00a0jsme upozor\u0148ovali na to, \u017ee pokud spot\u0159ebitel uzav\u0159e s\u00a0podnikatelem kupn\u00ed smlouvu, vznik\u00e1 mu povinnost bal\u00edk p\u0159evz\u00edt a zaplatit.\u00a0\u201eJestli\u017ee si spot\u0159ebitel objedn\u00e1vku zbo\u017e\u00ed rozmysl\u00ed, je t\u0159eba prod\u00e1vaj\u00edc\u00edmu zaslat odstoupen\u00ed od smlouvy. Samotn\u00e9 nep\u0159evzet\u00ed bal\u00edku nesta\u010d\u00ed,\u201c<\/em>\u00a0varuje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. Podnikatel si toti\u017e takovou nejasnou situaci m\u016f\u017ee vylo\u017eit tak, \u017ee spot\u0159ebitel bal\u00edk jen p\u0159evz\u00edt nemohl a o zbo\u017e\u00ed m\u00e1 nad\u00e1le z\u00e1jem. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b pak po spot\u0159ebiteli m\u016f\u017ee vy\u017eadovat zaplacen\u00ed skladn\u00e9ho.<\/p>\n

Vym\u00e1h\u00e1n\u00ed dlu\u017en\u00e9 \u010d\u00e1stky? Ano, ale\u2026<\/strong><\/h6>\n

Takov\u00e1 v\u00fdzva by v\u0161ak m\u011bla b\u00fdt spot\u0159ebiteli doru\u010dena bez zbyte\u010dn\u00e9ho odkladu. Pokud se podnikatel ozve a\u017e s odstupem n\u011bkolika let, je nam\u00edst\u011b pochybovat, zda je jeho skute\u010dn\u00fdm c\u00edlem pouze n\u00e1hrada vznikl\u00fdch n\u00e1klad\u016f nebo sp\u00ed\u0161e snaha nav\u00fd\u0161it dlu\u017enou \u010d\u00e1stku o co nejvy\u0161\u0161\u00ed \u00faroky z prodlen\u00ed.<\/p>\n

\u201eV praxi se pom\u011brn\u011b \u010dasto setk\u00e1v\u00e1me s t\u00edm, \u017ee tyto v\u00fdzvy sm\u011b\u0159uj\u00ed k \u00fahrad\u011b ji\u017e proml\u010den\u00fdch dluh\u016f. To znamen\u00e1, \u017ee od okam\u017eiku, kdy m\u011bl b\u00fdt dluh zaplacen, ji\u017e uplynuly v\u00edce ne\u017e t\u0159i roky. Pokud by byl takov\u00fd dluh \u017ealov\u00e1n u soudu a spot\u0159ebitel by nam\u00edtl proml\u010den\u00ed, nebyl by povinen jej platit,\u201c\u00a0<\/em>upozor\u0148uje Hek\u0161ov\u00e1.<\/p>\n

Pr\u00e1v\u011b v\u00a0t\u011bchto p\u0159\u00edpadech p\u016fvodn\u00ed v\u011b\u0159itel\u00e9 takovou pohled\u00e1vku ob\u010das p\u0159eprod\u00e1vaj\u00ed jin\u00e9 spole\u010dnosti, \u010dasto za zlomek jej\u00ed hodnoty. Ta se n\u00e1sledn\u011b obrac\u00ed na spot\u0159ebitele a sna\u017e\u00ed se dlu\u017enou \u010d\u00e1stku vymoci, a to i p\u0159esto, \u017ee by jej\u00ed uplatn\u011bn\u00ed u soudu nejsp\u00ed\u0161e nebylo \u00fasp\u011b\u0161n\u00e9.<\/p>\n

Co p\u0159ed zaplacen\u00edm ov\u011b\u0159it?<\/strong><\/h6>\n

Obdr\u017e\u00edte-li v\u00fdzvu k \u00fahrad\u011b dlu\u017en\u00e9 \u010d\u00e1stky, je vhodn\u00e9 nejprve ov\u011b\u0159it, z jak\u00e9ho d\u016fvodu je po v\u00e1s po\u017eadov\u00e1na. Zkuste si n\u00e1zev spole\u010dnosti vyhledat na internetu, proj\u00edt e-mailovou komunikaci nebo v\u00fdpisy z\u00a0\u00fa\u010dtu. M\u016f\u017eete tak zjistit, zda jste s dan\u00fdm subjektem v minulosti skute\u010dn\u011b p\u0159i\u0161li do kontaktu.<\/p>\n

Pokud se v\u00e1m p\u016fvod z\u00e1vazku nepoda\u0159\u00ed dohledat, obra\u0165te se p\u0159\u00edmo na spole\u010dnost a po\u017eadujte dolo\u017een\u00ed, na z\u00e1klad\u011b \u010deho \u010d\u00e1stku vym\u00e1h\u00e1. Z\u00e1rove\u0148 si ov\u011b\u0159te, kdy m\u011bl dluh vzniknout a kdy byl splatn\u00fd. Nen\u00ed vylou\u010deno, \u017ee je ji\u017e proml\u010den\u00fd, a v takov\u00e9m p\u0159\u00edpad\u011b jej zpravidla nejste povinni hradit.<\/p>\n

V situaci, kdy dluh vym\u00e1h\u00e1 jin\u00e1 osoba ne\u017e p\u016fvodn\u00ed v\u011b\u0159itel, je d\u016fle\u017eit\u00e9 zjistit tak\u00e9 to, zda na ni byla pohled\u00e1vka skute\u010dn\u011b postoupena, p\u0159\u00edpadn\u011b zda jedn\u00e1 na z\u00e1klad\u011b \u0159\u00e1dn\u011b ud\u011blen\u00e9 pln\u00e9 moci.<\/p>\n

Hrozba exekutorem<\/strong><\/h6>\n

Hrozba exekuc\u00ed pat\u0159\u00ed mezi \u010dast\u00e9 taktiky, kter\u00e9 n\u011bkte\u0159\u00ed vymaha\u010di vyu\u017e\u00edvaj\u00ed, aby p\u0159im\u011bli spot\u0159ebitele k rychl\u00e9 \u00fahrad\u011b. U mnoha lid\u00ed takov\u00e1 v\u00fdzva okam\u017eit\u011b vyvol\u00e1 p\u0159edstavu exekutora, kter\u00fd ne\u010dekan\u011b zaklepe na dve\u0159e a za\u010dne majetek ozna\u010dovat zn\u00e1m\u00fdmi \u017elut\u00fdmi n\u00e1lepkami. Takto rychle to ale v\u00a0praxi nechod\u00ed.<\/p>\n

Aby mohl exekutor v\u016fbec p\u0159istoupit k vym\u00e1h\u00e1n\u00ed, mus\u00ed existovat tzv. exeku\u010dn\u00ed titul, tedy nap\u0159\u00edklad vykonateln\u00e9 soudn\u00ed rozhodnut\u00ed nebo platebn\u00ed rozkaz, proti kter\u00e9mu nebyl v\u010das pod\u00e1n odpor. Takov\u00e9 rozhodnut\u00ed v\u0161ak mus\u00ed b\u00fdt nejprve \u0159\u00e1dn\u011b doru\u010deno do vlastn\u00edch rukou.\u00a0\u201eNen\u00ed tedy mo\u017en\u00e9, aby byla v\u011bc \u0159e\u0161ena prost\u0159ednictv\u00edm exekutora, ani\u017e by o tom spot\u0159ebitel p\u0159edem v\u011bd\u011bl,\u201c<\/em>\u00a0uzav\u00edr\u00e1 Hek\u0161ov\u00e1 z dTestu.<\/p>\n

 <\/p>\n

    \n
  • dTest, o.p.s.<\/strong> je nejv\u011bt\u0161\u00ed \u010deskou spot\u0159ebitelskou organizac\u00ed, kter\u00e1 v\u00a0\u010cR p\u016fsob\u00ed ji\u017e od roku 1992. Je vydavatelem spot\u0159ebitelsk\u00e9ho \u010dasopisu dTest, na jeho\u017e str\u00e1nk\u00e1ch jsou publikov\u00e1ny v\u00fdsledky nez\u00e1visl\u00fdch a objektivn\u00edch test\u016f produkt\u016f, varov\u00e1n\u00ed p\u0159ed nebezpe\u010dn\u00fdmi a zdravotn\u011b z\u00e1vadn\u00fdmi v\u00fdrobky, informace o spot\u0159ebitelsk\u00fdch pr\u00e1vech a rady, jak tato pr\u00e1va \u00fa\u010dinn\u011b uplat\u0148ovat. dTest je sou\u010d\u00e1st\u00ed mezin\u00e1rodn\u00ed organizace International Consumer Research and Testing (ICRT) a\u00a0evropsk\u00e9 spot\u0159ebitelsk\u00e9 organizace BEUC.<\/em><\/sub><\/li>\n
  • Poradensk\u00e1 linka \u010dasopisu dTest \u2013<\/strong> 299 149\u00a0009 \u2013 je v\u00a0provozu ka\u017ed\u00fd pracovn\u00ed den od 9 do 17 hodin a spot\u0159ebitel\u00e9 na n\u00ed mohou konzultovat s\u00a0pr\u00e1vn\u00edmi poradci dTestu nejr\u016fzn\u011bj\u0161\u00ed spot\u0159ebitelsk\u00e9 probl\u00e9my, a to za cenu b\u011b\u017en\u00e9ho tarifu vol\u00e1n\u00ed. Od spu\u0161t\u011bn\u00ed v\u00a0roce 2010 t\u00e9to mo\u017enosti vyu\u017eily ji\u017e desetitis\u00edce spot\u0159ebitel\u016f a poradensk\u00e1 linka \u010dasopisu dTest se tak stala prvn\u00ed a nejvyhled\u00e1van\u011bj\u0161\u00ed cestou k\u00a0\u0159e\u0161en\u00ed pot\u00ed\u017e\u00ed, se kter\u00fdmi se z\u00e1kazn\u00edci na trhu setk\u00e1vaj\u00ed.<\/em><\/sub><\/li>\n<\/ul>\n

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

    \n

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

    Jsou zpr\u00e1vy, <\/p>\n","protected":false},"author":2,"featured_media":371191,"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\/2026\/03\/24\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/371190"}],"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=371190"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/371190\/revisions"}],"predecessor-version":[{"id":371192,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/371190\/revisions\/371192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/371191"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=371190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=371190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=371190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}