{"id":8949,"date":"2025-08-12T21:48:08","date_gmt":"2025-08-12T18:48:08","guid":{"rendered":"https:\/\/www.kepekler.com\/?p=8949"},"modified":"2026-06-06T21:48:10","modified_gmt":"2026-06-06T18:48:10","slug":"opakujici-se-pujcky-pro-duchodce-ihned-dluh-zaplo","status":"publish","type":"post","link":"https:\/\/www.kepekler.com\/?p=8949","title":{"rendered":"Opakuj\u00edc\u00ed se p\u016fj\u010dky pro d\u016fchodce ihned dluh Zaplo"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">opakovan\u00fd \u00fa\u010det zaplo<\/a><\/li>\n<li><a href=\"#toc-1\">sebe. Spr\u00e1vn\u011b pojmy<\/a><\/li>\n<li><a href=\"#toc-2\">krok dva. Mo\u017enosti kompenzace<\/a><\/li>\n<li><a href=\"#toc-3\">krok 3. Flexibiln\u00ed n\u00e1klady<\/a><\/li>\n<li><a href=\"#toc-4\">4. Pohodl\u00ed<\/a><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"toc-0\">opakovan\u00fd \u00fa\u010det zaplo<\/h2>\n<p>Danielovi* je n\u011bco m\u00e1lo p\u0159es t\u0159icet a je tak\u00e9 pova\u017eov\u00e1n za matouc\u00ed l\u00e9\u010dbu rakoviny lymfatick\u00fdch uzlin. <!--more--> Na rozd\u00edl od rumunsk\u00e9ho programu bezplatn\u00e9 zdravotn\u00ed p\u00e9\u010de si pacienti mus\u00ed za l\u00e9\u010dbu platit a podpl\u00e1cet specialisty a zdravotn\u00ed sestry \u2013 podm\u00ednky, kter\u00e9 by mohly po\u0161kodit finance cel\u00e9 rodiny.<\/p>\n<p>V prosinci 2015 si tento \u010dlov\u011bk po\u0159\u00eddil <a href=\"https:\/\/pujka-online.cz\/pujcky-pro-duchodce\/\">p\u016fj\u010dky pro d\u016fchodce ihned<\/a> internetov\u00e9 aktivum za 800 RON (175 EUR) na \u00fa\u010det sv\u00e9 man\u017eelky, proto\u017ee m\u011bla jinou \u00fav\u011brovou historii. B\u011bhem dvou m\u011bs\u00edc\u016f se jeho dluh zdvojn\u00e1sobil, nav\u00edc kv\u016fli tomu, \u017ee za\u010dala chodit po\u0161ta.<\/p>\n<h2 id=\"toc-1\">sebe. Spr\u00e1vn\u011b pojmy<\/h2>\n<p>Na rozd\u00edl od rumunsk\u00e9ho tvrzen\u00ed o bezplatn\u00e9 zdravotn\u00ed p\u00e9\u010di mus\u00ed ob\u011bti platit za l\u00e9ky, kter\u00e9 pot\u0159ebuj\u00ed, a tak\u00e9 podpl\u00e1cet specialisty, zdravotn\u00ed sestry a o\u0161et\u0159ovatele \u2013 co\u017e by po\u0161kodilo rozpo\u010det dom\u00e1cnost\u00ed. Daniel*, kter\u00e9mu je n\u011bco p\u0159es t\u0159icet, se v tomto sc\u00e9n\u00e1\u0159i objevil pozd\u011bji, kdy\u017e si p\u016fj\u010doval od p\u0159\u00e1tel od banky a zru\u0161il \u00fa\u010det u bank, aby z\u00edskal l\u00e9\u010dbu nezbytnou pro svou l\u00e9\u010dbu rakoviny lymfatick\u00fdch uzl\u016f. Jeho posledn\u00ed z\u00e1rukou je online rychl\u00e1 p\u016fj\u010dka Zaplo, kter\u00e1 je v televizi uv\u00e1d\u011bna s mo\u017enost\u00ed \u201ebez\u00faro\u010dn\u00fdch sazeb\u201c z prvn\u00edho majetku a okam\u017eit\u00fdm propu\u0161t\u011bn\u00edm na v\u00fddaje.<\/p>\n<p>Jeho probl\u00e9m v\u0161ak za\u010dal, kdy\u017e nedok\u00e1zal splatit 175 dolar\u016f, kter\u00e9 si p\u016fj\u010dil. B\u011bhem dvou m\u011bs\u00edc\u016f se n\u00e1klady zdvojn\u00e1sobily na 350 liber a slu\u017eby z\u00e1kazn\u00edk\u016fm Zaplo \u2013 1 \u010dlov\u011bk a automatick\u00e9 volaj\u00edc\u00ed \u2013 byly zaplaveny telefon\u00e1ty ka\u017ed\u00fd den. Nakonec odjel z Rumunska do Rakouska, aby pracoval jako seniorn\u00ed pe\u010dovatel. Tento p\u0159\u00edpad nen\u00ed ojedin\u011bl\u00fd: mezi l\u00e9tem 2015 a dubnem 2017 se rumunsk\u00e9 soudy zab\u00fdvaly 570 p\u0159\u00edpady proti z\u00e1kazn\u00edk\u016fm Zaplo IFN \u2013 v\u011bt\u0161ina z nich kv\u016fli neplacen\u00ed. Zaplo IFN je dce\u0159inou spole\u010dnost\u00ed loty\u0161sk\u00e9 finan\u010dn\u00ed spole\u010dnosti 4finance a p\u016fsob\u00ed v 17 evropsk\u00fdch zem\u00edch.<\/p>\n<h2 id=\"toc-2\">krok dva. Mo\u017enosti kompenzace<\/h2>\n<p>Koncem roku 2015 byl Daniel* studentem po t\u0159ic\u00edtce a jednou se dostal k matouc\u00edmu p\u0159\u00edstupu k lymfatick\u00fdm malign\u00edm n\u00e1dor\u016fm. Rumunsko poskytuje bezplatnou zdravotn\u00ed p\u00e9\u010di, v n\u00ed\u017e si subjekty mus\u00ed platit za pot\u0159ebn\u00e9 l\u00e9ky a podpl\u00e1cet l\u00e9ka\u0159e, zdravotn\u00ed sestry a o\u0161et\u0159ovatele \u2013 cena, kter\u00e1 by mohla po\u0161kodit finance jejich nejbli\u017e\u0161\u00edch. Pot\u00e9, co Daniel p\u016fj\u010dil pen\u00edze od soused\u016f a p\u0159\u00e1tel na uzav\u0159en\u00ed podnikov\u00fdch p\u016fj\u010dek, je z rozsudk\u016f. V televizi a na internetu vid\u011bl kampan\u011b na poskytovatele rychl\u00fdch p\u016fj\u010dek s n\u00e1zvem Zaplo. Sliboval n\u00edzk\u00fd \u00farok a rychl\u00e9 splacen\u00ed p\u016fvodn\u00edho dluhu. Vypadalo to a\u017e p\u0159\u00edli\u0161 dob\u0159e na to, aby to byla pravda.<\/p>\n<p>V prosinci 2015 z\u00edskal na jm\u00e9no sv\u00e9 man\u017eelky aktiva ve v\u00fd\u0161i 800 rumunsk\u00fdch lei (p\u0159ibli\u017en\u011b 175), pot\u00e9 co si ona zalo\u017eila novou \u00fav\u011brovou historii. \u00datraty si v\u0161ak neponechal a mezi dv\u011bma m\u011bs\u00edci se tato \u010d\u00e1stka zdvojn\u00e1sobila na 350 liber. Obchody Zaplo \u2013 obsluhovan\u00e9 lidmi i roboty \u2013 ho zaplavily hovory a po\u0161tou. Dohodl se, \u017ee pen\u00edze rozd\u011bl\u00ed ve dvou \u010d\u00e1stk\u00e1ch.<\/p>\n<p>Zaplo IFN je sou\u010d\u00e1st\u00ed loty\u0161sk\u00e9 spole\u010dnosti Being 4finance, kter\u00e1 p\u016fsob\u00ed v 17 evropsk\u00fdch zem\u00edch. Jejich obchodn\u00ed model je zalo\u017een na tom, \u017ee kupuj\u00edc\u00ed v minulosti nespl\u00e1celi sv\u00e1 aktiva. Rumunsk\u00fd pr\u00e1vn\u00edk Adrian Cuculis tvrd\u00ed, \u017ee je ka\u017ed\u00fd den sv\u011bdkem jednoho p\u0159\u00edpadu, kdy byli v tomto zlo\u010dinu p\u0159isti\u017eeni.<\/p>\n<h2 id=\"toc-3\">krok 3. Flexibiln\u00ed n\u00e1klady<\/h2>\n<p>Danielovi* bylo teprve n\u011bco m\u00e1lo p\u0159es t\u0159icet, kdy\u017e se dostal na slo\u017eitou cestu k lymfatick\u00e9mu onemocn\u011bn\u00ed. U\u017e si p\u016fj\u010doval pen\u00edze od kamar\u00e1d\u016f, zn\u00e1m\u00fdch a bank, aby si koupil l\u00e9ky. Po n\u011bkolika t\u00fddnech se tento \u010dlov\u011bk dostal z rozpo\u010dtu. A to on-line zalo\u017eil firmu s n\u00e1zvem Zaplo, kter\u00e1 se prod\u00e1v\u00e1 na internetu a je na televizn\u00edch s\u00edt\u00edch. Zaji\u0161\u0165uje n\u00edzkou \u00farokovou sazbu a dal\u0161\u00ed p\u0159\u00edjem z p\u016fvodn\u00edho dluhu a siln\u00fd tok n\u00e1klad\u016f.<\/p>\n<p>Pro z\u00e1kazn\u00edka to ukon\u010d\u00ed online dohodu s pou\u017eit\u00edm obr\u00e1zku jeho dokladu toto\u017enosti. Celou \u010d\u00e1stku za\u0161lou p\u0159\u00edmo na bankovn\u00ed \u00fa\u010det klienta.<\/p>\n<p>Vzhledem k tomu, \u017ee cena byla stanovena z domova, Daniel nedok\u00e1zal splatit prvn\u00edch 800 RON (175 liber), tak\u017ee za 60 dn\u00ed se to dvakr\u00e1t zn\u00e1sobilo, tak\u017ee m\u016f\u017eete snadno z\u00edskat 350 dolar\u016f. Byl zaplaven telefon\u00e1ty, zpr\u00e1vami a tak\u00e9 po\u0161tou ze Zapla. Pozd\u011bji uzav\u0159eli smlouvu, aby d\u011bti splatily dluh ve dvou spl\u00e1tk\u00e1ch.<\/p>\n<p>Zaplo IFN je jednou z 17 americk\u00fdch dce\u0159in\u00fdch spole\u010dnost\u00ed 4finance se s\u00eddlem v Loty\u0161sku a ano, vypad\u00e1 to, \u017ee se pracuje v \u0161ed\u00e9m poli. Rumunsk\u00fd pr\u00e1vn\u00edk Adrian Cuculis uv\u00e1d\u00ed, \u017ee narazil na p\u0159\u00edpady, kdy lid\u00e9 b\u011bhem dne odstra\u0148ovali okam\u017eit\u00e9 \u00fav\u011bry od spole\u010dnost\u00ed, jako je Zaplo. Spole\u010dnost zjevn\u011b nevstupuje a rumunsk\u00e1 policie o n\u00ed m\u00e1 nejm\u00e9n\u011b informac\u00ed.<\/p>\n<h2 id=\"toc-4\">4. Pohodl\u00ed<\/h2>\n<p>Pomoc\u00ed programu Zaplo m\u016f\u017eete snadno a pohodln\u011b podat \u017e\u00e1dost o nejlep\u0161\u00ed duplicitn\u00ed \u00fa\u010det Zaplo, zobrazit jeho hodnocen\u00ed a prov\u00e1d\u011bt platby kdekoli a kdykoli \u2013 to v\u0161e z mobilu.<\/p>\n<p>Daniel*, ve 30. letech, se pokusil naj\u00edt matouc\u00ed \u0159e\u0161en\u00ed pro lymfatick\u00e9 malign\u00ed n\u00e1dory. Navzdory teorii Rumunska, kter\u00e1 spo\u010d\u00edv\u00e1 v bezplatn\u00e9m zdravotn\u00edm syst\u00e9mu, mus\u00ed pacienti platit za pot\u0159ebnou l\u00e9\u010dbu a podpl\u00e1cet specialisty, zdravotn\u00ed sestry a sanit\u00e1\u0159e \u2013 podm\u00ednky, kter\u00e9 mohou po\u0161kodit rodinn\u00e9 finance. Pot\u00e9, co si Daniel p\u016fj\u010doval pen\u00edze od p\u0159\u00e1tel a p\u0159\u00e1tel, jednal bez \u00fasudku a najal si online p\u016fj\u010dovac\u00ed spole\u010dnost Zaplo. Na televizn\u00edch str\u00e1nk\u00e1ch vid\u011bl, \u017ee nemus\u00ed platit za n\u011bjakou \u00faplatu za po\u010d\u00e1te\u010dn\u00ed \u00fa\u010det, kter\u00fd byl automaticky odesl\u00e1n.<\/p>\n<p>Zaplo IFN, odehr\u00e1vaj\u00edc\u00ed se v roce 2013, je sou\u010d\u00e1st\u00ed loty\u0161sk\u00e9 skupiny 4finance Foods a p\u016fsob\u00ed v 17 zem\u00edch Evropy. Podle pr\u00e1vn\u00edka z Rumunska jejich obchodn\u00ed model vzkv\u00e9t\u00e1 u kupuj\u00edc\u00edch, kte\u0159\u00ed nespl\u00e1cej\u00ed sv\u00e9 aktiva, a mohou b\u00fdt vyu\u017e\u00edv\u00e1ni lidmi ve slo\u017eit\u00fdch finan\u010dn\u00edch situac\u00edch. V Rumunsku se jednalo o 570 exekuc\u00ed proti jejich klient\u016fm \u2013 v\u011bt\u0161ina z nich \u0161lo o exekuce. Situace 62let\u00e9 Any Kosy je v jin\u00e9 situaci: pot\u0159ebuje 132 liber na zaplacen\u00ed z\u00e1kladn\u00edho poplatku za 88librov\u00fd ro\u010dn\u00ed d\u016fchod a na z\u00edsk\u00e1n\u00ed maxim\u00e1ln\u00edho p\u016fj\u010dky od Zaplo, kter\u00e1 se po prvn\u00edm m\u011bs\u00edci zv\u00fd\u0161ila na 308 liber. Musela zapomenout na Rumunsko a Rakousko, aby se stala pe\u010dovatelkou o seniory a splatila dluh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem opakovan\u00fd \u00fa\u010det zaplo sebe. Spr\u00e1vn\u011b pojmy krok dva. Mo\u017enosti kompenzace krok 3. Flexibiln\u00ed n\u00e1klady 4. Pohodl\u00ed opakovan\u00fd \u00fa\u010det zaplo Danielovi* je n\u011bco m\u00e1lo p\u0159es t\u0159icet a je tak\u00e9 pova\u017eov\u00e1n za matouc\u00ed l\u00e9\u010dbu rakoviny lymfatick\u00fdch uzlin.<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-8949","post","type-post","status-publish","format-standard","hentry","category-haberler"],"_links":{"self":[{"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/posts\/8949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8949"}],"version-history":[{"count":1,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/posts\/8949\/revisions"}],"predecessor-version":[{"id":8950,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=\/wp\/v2\/posts\/8949\/revisions\/8950"}],"wp:attachment":[{"href":"https:\/\/www.kepekler.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kepekler.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}