{"id":14406,"date":"2020-10-31T15:06:06","date_gmt":"2020-10-31T13:06:06","guid":{"rendered":"https:\/\/financer.sk\/?page_id=14406"},"modified":"2024-10-15T23:09:58","modified_gmt":"2024-10-15T21:09:58","slug":"co-robit-ak-poslete-peniaze-na-zly-ucet","status":"publish","type":"post","link":"https:\/\/financer.sk\/osobne-financie\/clanky\/co-robit-ak-poslete-peniaze-na-zly-ucet\/","title":{"rendered":"\u010co robi\u0165, ak po\u0161lete peniaze na zl\u00fd \u00fa\u010det?"},"content":{"rendered":"\n<p>Platby kartou, bankov\u00fdm prevodom cez internetbanking \u010di zad\u00e1van\u00edm platobn\u00fdch pr\u00edkazov priamo na pobo\u010dke nie s\u00fa pre n\u00e1s ni\u010d\u00edm v\u00fdnimo\u010dn\u00fdm. <strong>Rozli\u010dn\u00e9 sp\u00f4soby bezhotovostn\u00fdch platieb vyu\u017e\u00edvame v\u00a0podstate ka\u017edodenne<\/strong> pri n\u00e1kupoch v\u00a0e-shopoch, inkasn\u00fdch platb\u00e1ch napr\u00edklad za energie a\u00a0podobne.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Nech v\u0161ak ide o ak\u00fako\u013evek platbu, ve\u013emi \u010dasto<strong> sa nevyhnete zad\u00e1vaniu \u010d\u00edsla \u00fa\u010dtu vo form\u00e1te IBAN<\/strong> (International Bank Account Number). Pri jeho zad\u00e1van\u00ed mus\u00edte by\u0165 opatrn\u00ed, preto\u017ee sa sklad\u00e1 z\u00a024 znakov a\u00a0na prv\u00fd poh\u013ead sa v\u00a0\u0148om d\u00e1 jednoducho strati\u0165.<\/p><\/div>\n\n\n<p><strong>\u010co v\u0161ak robi\u0165 ak sa pri zad\u00e1van\u00ed \u010d\u00edsla \u00fa\u010dtu skuto\u010dne pom\u00fdlite a\u00a0odo\u0161lete peniaze na cudz\u00ed \u00fa\u010det?<\/strong> Porad\u00edme v\u00e1m, ako v\u00a0takejto situ\u00e1cii postupova\u0165 a\u00a0ako m\u00f4\u017eete dosta\u0165 svoje peniaze sp\u00e4\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zaslanie_peaz_na_nesprvny_et\">Zaslanie pe\u0148az\u00ed na nespr\u00e1vny \u00fa\u010det<\/h2>\n\n\n\n<p>Pri nespr\u00e1vne zadanom IBANe m\u00f4\u017ee nasta\u0165 nieko\u013eko situ\u00e1cii. Prvou z\u00a0nich je, \u017ee bankov\u00fd softv\u00e9r spozoruje chybu\u00a0 a\u00a0platbu v\u00e1m vr\u00e1ti na \u00fa\u010det. Urobi\u0165 chybu v\u00a0IBAN k\u00f3de nie je tak\u00e9 \u013eahk\u00e9 ako sa zd\u00e1, <strong>preto\u017ee \u010d\u00edsla \u00fa\u010dtov nie s\u00fa vytv\u00e1ran\u00e9 na z\u00e1klade n\u00e1hody a\u00a0pr\u00edpadn\u00fa nulu naviac syst\u00e9m n\u00e1jde.<\/strong>\u00a0<\/p>\n\n\n\n<p>\u010ci u\u017e ste zad\u00e1vali platobn\u00fd pr\u00edkaz na pobo\u010dke banky alebo cez internetbanking, <strong>syst\u00e9m odhal\u00ed omyl<\/strong> a\u00a0bu\u010f v\u00e1m nedovol\u00ed platbu zrealizova\u0165, alebo v\u00e1m do nieko\u013ek\u00fdch dn\u00ed vr\u00e1ti peniaze sp\u00e4\u0165 aj s\u00a0upozornen\u00edm. <\/p>\n\n\n\n<p>Pam\u00e4tajte, \u017ee zodpovednos\u0165 za nespr\u00e1vne vyplnenie \u00fadajov v\u00a0platobnom pr\u00edkaze nesie v\u017edy platite\u013e, a\u00a0nie banka, resp. poskytovate\u013e platobn\u00fdch slu\u017eieb.<\/p>\n\n\n\n<p>\u010eal\u0161ou mo\u017enos\u0165ou je, \u017ee ste platbu zaslali nejestvuj\u00facemu pr\u00edjemcovi. Ak sa pom\u00fdlite v\u00a0samotnom \u010d\u00edsle \u00fa\u010dtu (posledn\u00fdch 10 \u010d\u00edslic), nemus\u00ed to automaticky znamena\u0165, \u017ee \u00fa\u010det s\u00a0tak\u00fdmto \u010d\u00edslom existuje. V\u00a0takomto pr\u00edpade <strong>v\u00e1m platba bude taktie\u017e vr\u00e1ten\u00e1 do nieko\u013ek\u00fdch dn\u00ed.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Zaslanie_peaz_na_existujci_et\">Zaslanie pe\u0148az\u00ed na existuj\u00faci \u00fa\u010det<\/h3><p>Poslednou mo\u017enos\u0165ou je, \u017ee ste peniaze odoslali na existuj\u00faci \u00fa\u010det nespr\u00e1vnemu pr\u00edjemcovi. Pon\u00fakame v\u00e1m nieko\u013eko r\u00e1d, ako rie\u0161i\u0165 aj tak\u00fato situ\u00e1ciu:<\/p>\n<ul>\n<li>Skontrolujte, \u010di sa platba uskuto\u010dnila<\/li>\n<li>Vr\u00e1tenie pe\u0148azi<\/li>\n<li>Hroziace poplatky<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Skontrolujte_i_sa_platba_uskutonila\">Skontrolujte, \u010di sa platba uskuto\u010dnila<\/h2>\n\n\n\n<p>Ak zist\u00edte, \u017ee ste sa zm\u00fdlili pri zad\u00e1van\u00ed \u010d\u00edsla \u00fa\u010dtu po potvrden\u00ed platobn\u00e9ho pr\u00edkazu, nepanik\u00e1rte. Prv\u00e9, \u010do v\u00a0takejto situ\u00e1cii mus\u00edte urobi\u0165, je<strong> skontrolova\u0165, \u010di zad\u00e1van\u00e1 platba bola spracovan\u00e1<\/strong> alebo sa e\u0161te nach\u00e1dza v\u00a0kol\u00f3nke \u201e\u010dakaj\u00face na spracovanie\u201c.\u00a0<\/p>\n\n\n\n<p>Ak e\u0161te nebola spracovan\u00e1, <strong>m\u00f4\u017eete platbu priamo cez internetbanking stornova\u0165,<\/strong> \u010di zavola\u0165 na pobo\u010dku va\u0161ej banky a\u00a0po\u017eiada\u0165 o\u00a0storno, v\u00a0najlep\u0161om pr\u00edpade e\u0161te pred d\u00e1tumom splatnosti.<\/p>\n\n\n\n<p><strong>Pokia\u013e ste posielali platbu v\u00a0r\u00e1mci jednej banky, <\/strong>je mo\u017en\u00e9 \u017ee platba u\u017e bola prip\u00edsan\u00e1 na \u00fa\u010det pr\u00edjemcu. Tak\u00e9to prevody sa zvy\u010dajne uskuto\u010d\u0148uj\u00fa okam\u017eite alebo do nieko\u013ek\u00fdch hod\u00edn.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Pokia\u013e v\u0161ak <strong>\u0161lo o\u00a0medzibankov\u00fd prevod, teoreticky m\u00e1te viac \u010dasu<\/strong> na zru\u0161enie platobn\u00e9ho pr\u00edkazu. Tak\u00e9to platby sa vykon\u00e1vaj\u00fa hromadne raz denne a\u00a0vy\u017eaduj\u00fa si dlh\u0161\u00ed \u010das na uskuto\u010dnenie. Sk\u00faste teda kontaktova\u0165 va\u0161u banku a\u00a0po\u017eiadajte o\u00a0storno platby.\u00a0<\/p><\/div>\n\n\n<p>To, \u010di sa v\u00e1m pr\u00edkaz napokon podar\u00ed stornova\u0165 z\u00e1vis\u00ed aj od toho, kedy si v\u00e1\u0161 omyl v\u0161imnete. \u010c\u00edm sk\u00f4r, t\u00fdm lep\u0161ie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Podajte_iados_o_vrtenie_peaz_na_et\">Podajte \u017eiados\u0165 o vr\u00e1tenie pe\u0148az\u00ed na \u00fa\u010det<\/h2>\n\n\n\n<p>Ak sa v\u00e1m kv\u00f4li omylu predsa len podarilo odosla\u0165 platbu nezn\u00e1memu \u010dloveku na nespr\u00e1vne, no existuj\u00face \u010d\u00edslo \u00fa\u010dtu, po\u017eiadajte banku o\u00a0<strong>vr\u00e1tenie neopr\u00e1vnene prijat\u00fdch pe\u0148a\u017en\u00fdch prostriedkov.\u00a0<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p>Na pobo\u010dke alebo na webovej str\u00e1nke bankovej in\u0161tit\u00facie n\u00e1jdete potrebn\u00e9<strong data-rich-text-format-boundary=\"true\"> tla\u010divo, ktor\u00e9 vypln\u00edte a\u00a0po\u0161lete\/zanesiete do banky.<\/strong> V\u00a0tomto tla\u010dive mus\u00edte vyplni\u0165 va\u0161e \u010d\u00edslo \u00fa\u010dtu, \u010d\u00edslo \u00fa\u010dtu pr\u00edjemcu, ktor\u00e9mu ste peniaze nedopatren\u00edm poslali.<\/p><\/div>\n\n\n<p>\u010eal\u0161\u00edmi potrebn\u00fdmi \u00fadajmi s\u00fa <strong>suma a\u00a0mena, v\u00a0ktorej platba prebehla, a\u00a0trojica symbolov \u2013 variabiln\u00fd, kon\u0161tantn\u00fd a\u00a0\u0161pecifick\u00fd. <\/strong>K\u00a0\u017eiadosti o\u00a0vr\u00e1tenie pe\u0148az\u00ed m\u00f4\u017eete pripoji\u0165 aj doklad, ktor\u00fd dokazuje, \u017ee platobn\u00fd pr\u00edkaz bol zadan\u00fd omylom (napr\u00edklad v\u00fdpis \u00fa\u010dtu s\u00a0opakuj\u00facimi sa platbami \u010di fakt\u00fara a\u00a0pod.).<\/p>\n\n\n\n<p>Va\u0161a banka na z\u00e1klade tejto \u017eiadosti kontaktuje banku, kam va\u0161e peniaze pri\u0161li, a\u00a0t\u00e1 sa spoj\u00ed s\u00a0pr\u00edjemcom. Majte na pam\u00e4ti, \u017ee banka v\u00a0tomto pr\u00edpade <strong>vystupuje len ako sprostredkovate\u013e a\u00a0negarantuje v\u00e1m vr\u00e1tenie pe\u0148az\u00ed.<\/strong>\u00a0<\/p>\n\n\n\n<p>R\u00e1tajte s\u00a0t\u00fdm, \u017ee <strong>t\u00e1to slu\u017eba nie je bezplatn\u00e1. <\/strong>Pri dom\u00e1cej, resp. SEPA platbe si za \u0148u zaplat\u00edte zvy\u010dajne okolo 10 eur, v\u00a0z\u00e1vislosti od cenn\u00edka konkr\u00e9tnej banky. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Pri stornovan\u00ed pr\u00edpadn\u00e9ho cezhrani\u010dn\u00e9ho prevodu <strong data-rich-text-format-boundary=\"true\">si banky \u00fa\u010dtuj\u00fa o\u00a0nie\u010do vy\u0161\u0161\u00ed poplatok.<\/strong> M\u00f4\u017eete sa taktie\u017e stretn\u00fa\u0165 s\u00a0dodato\u010dn\u00fdmi poplatkami \u00fa\u010dtovan\u00fdmi bankou v\u00a0zahrani\u010d\u00ed.\u00a0<\/p>\n<p>Sk\u00f4r ne\u017e sa rozhodnete tento proces absolvova\u0165, odpor\u00fa\u010dame<strong> zv\u00e1\u017ei\u0165, \u010di suma poplatkov neprekon\u00e1 v\u00fd\u0161ku platby.<\/strong> V\u00a0takom pr\u00edpade by pre v\u00e1s storno takejto platby nebolo ve\u013emi v\u00fdhodn\u00e9.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_postupova_pri_problmoch_s_vrtenm_peaz\">Ako postupova\u0165 pri probl\u00e9moch s vr\u00e1ten\u00edm pe\u0148az\u00ed?<\/h2>\n\n\n\n<p>Pokia\u013e neopr\u00e1vnen\u00fd pr\u00edjemca platby nebude do siedmich dn\u00ed reagova\u0165 na v\u00fdzvu banky na\u00a0vr\u00e1tenie finan\u010dn\u00fdch prostriedkov, banka v\u00e1m <strong>na z\u00e1klade Z\u00e1kona o\u00a0bank\u00e1ch, \u00a792, odsek 1<\/strong> m\u00f4\u017ee poskytn\u00fa\u0165 identifika\u010dn\u00e9 \u00fadaje pr\u00edjemcu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"iados_o_vrtenie_omylom_zaslanch_peaz_v_skratke\">\u017diados\u0165 o vr\u00e1tenie omylom zaslan\u00fdch pe\u0148az\u00ed v skratke:<\/h3><ol>\n<li>Po\u017eiadajte svoju banku o sprostredkovanie vr\u00e1tenia platby<\/li>\n<li>Va\u0161a banka n\u00e1sledne odo\u0161le t\u00fato \u017eiados\u0165 banke pr\u00edjemcu<\/li>\n<li>Banka pr\u00edjemcu svojho klienta po\u017eiada o vr\u00e1tenie platby<\/li>\n<li>V pr\u00edpade, \u017ee by to pr\u00edjemca odmietol, m\u00f4\u017eete vym\u00e1ha\u0165 platbu na s\u00fade<\/li>\n<\/ol><\/div>\n\n\n<p>S\u00a0t\u00fdmito \u00fadajmi <strong>m\u00f4\u017eete na pr\u00edjemcu poda\u0165 trestn\u00e9 ozn\u00e1menie a\u00a0vym\u00e1ha\u0165 peniaze s\u00fadnou cestou. <\/strong>Tento krok je pre v\u00e1\u0161 vhodn\u00fd, pokia\u013e \u0161lo o\u00a0vy\u0161\u0161iu sumu pohybuj\u00facu sa v\u00a0stovk\u00e1ch a\u017e tis\u00edckach eur.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>E\u0161te pred podan\u00edm trestn\u00e9ho ozn\u00e1menia \u010di \u017ealoby za bezd\u00f4vodn\u00e9 obohatenie <strong data-rich-text-format-boundary=\"true\">m\u00f4\u017eete pr\u00edjemcu kontaktova\u0165 a\u00a0pok\u00fasi\u0165 sa dosiahnu\u0165 vr\u00e1tenie<\/strong> neopr\u00e1vnene prijatej platby mimos\u00fadnou cestou. Tak\u00e9to rie\u0161enie by v\u00e1m mohlo u\u0161etri\u0165 \u010das a\u00a0takisto poplatky t\u00fdkaj\u00face sa s\u00fadneho konania.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hroziace_poplatky\">Hroziace poplatky<\/h2>\n\n\n\n<p><strong>Poplatky s\u00fadu za vym\u00e1hanie omylom zaslanej platby<\/strong> predstavuj\u00fa zvy\u010dajne 6 % z\u00a0celkovej sumy. Ak teda chcete vym\u00e1ha\u0165 sp\u00e4\u0165 platbu vo v\u00fd\u0161ke 1 000 eur, 60 eur zaplat\u00edte ako poplatok s\u00fadu.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><strong>Nezab\u00fadajte ani na poplatky za slu\u017eby advok\u00e1ta<\/strong>, ktor\u00fd si m\u00f4\u017ee ur\u010di\u0165 hodinov\u00fa\u00a0 sadzbu, pau\u0161\u00e1lnu odmenu alebo sa v\u00fd\u0161ka odmeny za pr\u00e1vne slu\u017eby m\u00f4\u017ee odv\u00edja\u0165 od v\u00fd\u0161ky vym\u00e1hanej sumy.\u00a0<\/p><\/div>\n\n\n<p><strong>\u010c\u00edm dlh\u0161ie bude s\u00fadne konanie trva\u0165, t\u00fdm vy\u0161\u0161iu sumu zaplat\u00edte<\/strong> za slu\u017eby advok\u00e1ta. Majte na pam\u00e4ti, \u017ee vyrie\u0161enie tak\u00e9hoto sporu m\u00f4\u017ee trva\u0165 aj nieko\u013eko mesiacov a\u00a0poplatky nebud\u00fa lacnou z\u00e1le\u017eitos\u0165ou.<\/p>\n\n\n\n<p><strong>V\u00a0pr\u00edpade, \u017ee v\u00a0konan\u00ed uspejete, s\u00fad v\u00e1m m\u00f4\u017ee prizna\u0165 aj n\u00e1hradu trov konania a\u00a0trov pr\u00e1vneho zast\u00fapenia<\/strong>. Neopr\u00e1vnen\u00fd pr\u00edjemca v\u00e1m teda okrem p\u00f4vodnej sumy zaplat\u00ed aj v\u0161etky n\u00e1klady spojen\u00e9 so s\u00fadnym konan\u00edm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zver\">Z\u00e1ver<\/h2>\n\n\n\n<p>Ka\u017ed\u00fd \u010dlovek, aj ten najzodpovednej\u0161\u00ed, u\u017e za svoj \u017eivot urobil nieko\u013eko ch\u00fdb. V\u00a0pr\u00edpade bankov\u00fdch prevodov a\u00a0platieb <strong>m\u00f4\u017ee \u00eds\u0165 niekedy o\u00a0poriadne drah\u00fd omyl, <\/strong>st\u00e1le v\u0161ak m\u00e1te \u0161ancu situ\u00e1ciu rie\u0161i\u0165 a\u00a0z\u00edska\u0165 svoje peniaze sp\u00e4\u0165.<\/p>\n\n\n\n<p>Prevenciou je venova\u0165 zad\u00e1vaniu platobn\u00fdch pr\u00edkazov dostato\u010dn\u00fa pozornos\u0165 a\u00a0<strong>skontrolova\u0165 platobn\u00e9 \u00fadaje pred odoslan\u00edm.<\/strong> Vhodnou vo\u013ebou je taktie\u017e uprednostni\u0165 pou\u017eitie platobnej karty pred bankov\u00fdm prevodom,<strong> kedy m\u00f4\u017eete transakcie reklamova\u0165 v\u010faka slu\u017ebe chargeback.<\/strong><\/p>\n\n\n\n<p>Ak sa u\u017e dopust\u00edte podobn\u00e9ho omylu, ver\u00edme, \u017ee va\u0161u situ\u00e1ciu s\u00a0na\u0161imi radami \u00faspe\u0161ne vyrie\u0161ite a\u00a0pou\u010d\u00edte sa na vlastn\u00fdch chyb\u00e1ch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mohlo_by_vs_tie_zaujma\">Mohlo by v\u00e1s tie\u017e zauj\u00edma\u0165:<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/wiki\/co-je-to-swift-kod\/\">\u010co je to SWIFT k\u00f3d?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/wiki\/co-je-to-rpmn\/\">\u010co je to RPMN?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/blog\/co-robit-ak-ma-okradnu-v-zahranici\/\">\u010co robi\u0165, ak v\u00e1s okradn\u00fa v zahrani\u010d\u00ed<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/osobne-financie\/kreditna-karta\/ako-bezpecne-pouzivat-kreditnu-kartu\/\">Tipy ako pou\u017e\u00edva\u0165 kreditn\u00fa kartu<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/ako-na-to\/financna-gramotnost\/\">Ako zlep\u0161i\u0165 svoju finan\u010dn\u00fa gramotnos\u0165<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Ako pred\u00eds\u0165 omylu pri zad\u00e1van\u00ed platby?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Predov\u0161etk\u00fdm venujte zad\u00e1vaniu platobn\u00fdch pr\u00edkazov pln\u00fa pozornos\u0165. Vyhnite sa \u010dasovej tiesni a posielaniu platieb na posledn\u00fa chv\u00ed\u013eu. N\u00e1hlenie sa zvy\u0161uje \u0161ancu, \u017ee sa pom\u00fdlite.<\/p>\n<p class=\"p1\">IBAN m\u00f4\u017eete v niektor\u00fdch bankov\u00fdch aplik\u00e1ci\u00e1ch aj naskenova\u0165, \u010d\u00edm pred\u00eddete chyby.<\/p><\/div><h4>\u010co je to IBAN?<\/h4><div class=\"faq_inner\"><p class=\"p1\">IBAN (Internationan Bank Account Number) je medzin\u00e1rodn\u00fd form\u00e1t \u010d\u00edsla \u00fa\u010dtu, ktor\u00fd za\u010diatkom roka 2016 na Slovensku nahradil p\u00f4vodn\u00fd form\u00e1t BBAN (Basic Bank Account Number).<\/p><\/div><h4>\u010co urobi\u0165 ako prv\u00e9, ke\u010f som poslal*a peniaze in\u00e9mu pr\u00edjemcovi?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Najsk\u00f4r skontrolujte, \u010di platba u\u017e bola prip\u00edsan\u00e1 na \u00fa\u010det pr\u00edjemcu. Ak nie, \u010do najr\u00fdchlej\u0161ie po\u017eiadajte o storno. Ak \u00e1no, kontaktujte svoju banku so \u017eiados\u0165ou o vr\u00e1tenie neopr\u00e1vnene prijat\u00fdch finan\u010dn\u00fdch prostriedkov.<\/p><\/div><h4>Ako m\u00f4\u017eem vym\u00e1ha\u0165 peniaze sp\u00e4\u0165?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Ak pr\u00edjemca nereagoval na v\u00fdzvu na vr\u00e1tenie pe\u0148az\u00ed, m\u00f4\u017eete situ\u00e1ciu rie\u0161i\u0165 podan\u00edm trestn\u00e9ho ozn\u00e1menia a za\u010dat\u00edm s\u00fadneho konania, alebo mimos\u00fadnou dohodou s pr\u00edjemcom.<\/p><\/div><h4>Ak\u00e9 s\u00fa poplatky za stornovanie platby?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Za stornovanie platby pred jej prip\u00edsan\u00edm na \u00fa\u010det pr\u00edjemcu si banky nezvykn\u00fa \u00fa\u010dtova\u0165 poplatky. Pokia\u013e platba u\u017e bola prip\u00edsan\u00e1 na \u00fa\u010det a vy \u017eiadate o jej vr\u00e1tenie, v\u00fd\u0161ka poplatkov sa pohybuje od 10 do 20 eur v z\u00e1vislosti od typu platby.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Platby kartou, bankov\u00fdm prevodom cez internetbanking \u010di zad\u00e1van\u00edm platobn\u00fdch pr\u00edkazov priamo na pobo\u010dke nie s\u00fa pre n\u00e1s ni\u010d\u00edm v\u00fdnimo\u010dn\u00fdm. Rozli\u010dn\u00e9\u2026 <\/p>\n","protected":false},"author":87,"featured_media":78621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/14406"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=14406"}],"version-history":[{"count":27,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/14406\/revisions"}],"predecessor-version":[{"id":79168,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/posts\/14406\/revisions\/79168"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78621"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=14406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=14406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/tags?post=14406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}