{"id":18523,"date":"2026-01-16T04:54:53","date_gmt":"2026-01-16T04:54:53","guid":{"rendered":"https:\/\/retosmtbcolombia.com\/?p=18523"},"modified":"2026-06-12T04:55:00","modified_gmt":"2026-06-12T04:55:00","slug":"duplicitni-https-pujka-online-cz-pujcky-provident-pujcka-ucet-zaplo","status":"publish","type":"post","link":"https:\/\/retosmtbcolombia.com\/index.php\/2026\/01\/16\/duplicitni-https-pujka-online-cz-pujcky-provident-pujcka-ucet-zaplo\/","title":{"rendered":"Duplicitn\u00ed https:\/\/pujka-online.cz\/pujcky\/provident-pujcka\/ \u00fa\u010det 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<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">opakuj\u00edc\u00ed se \u00fa\u010det Zaplo<\/a><\/li>\n<li><a href=\"#toc-1\">sebe. P\u011bkn\u011b \u0159e\u010deno<\/a><\/li>\n<li><a href=\"#toc-2\">krok 2. Z\u00e1v\u011br kompenzace<\/a><\/li>\n<li><a href=\"#toc-3\">3. Flexibiln\u00ed podm\u00ednky<\/a><\/li>\n<li><a href=\"#toc-4\">\u010dty\u0159i. Pohodl\u00ed<\/a><\/li>\n<\/ul>\n<\/div>\n<h2 id=\"toc-0\">opakuj\u00edc\u00ed se \u00fa\u010det Zaplo<\/h2>\n<p>Danielovi* bylo p\u0159es t\u0159icet a podstoupil slo\u017eitou l\u00e9\u010dbu lymfatick\u00fdch malign\u00edch n\u00e1dor\u016f. <!--more--> Na rozd\u00edl od bezplatn\u00e9 l\u00e9ka\u0159sk\u00e9 p\u00e9\u010de v Rumunsku si pacienti mus\u00ed platit za l\u00e9ky, kter\u00e9 pot\u0159ebuj\u00ed, a tak\u00e9 za \u00faplatky l\u00e9ka\u0159\u016fm a zdravotn\u00edm sestr\u00e1m \u2013 podm\u00ednky, kter\u00e9 by po\u0161kodily finance jejich nejbli\u017e\u0161\u00edch.<\/p>\n<p>V listopadu 2015 z\u00edskali online dluh ve v\u00fd\u0161i 800 RON (175 EUR) na z\u00e1klad\u011b \u017e\u00e1dosti jeho <a href=\"https:\/\/pujka-online.cz\/pujcky\/provident-pujcka\/\">https:\/\/pujka-online.cz\/pujcky\/provident-pujcka\/<\/a> man\u017eelky, kter\u00e1 m\u011bla jinou \u00fav\u011brovou historii. B\u011bhem dvou m\u011bs\u00edc\u016f se dluh zdvojn\u00e1sobil a za\u010daly chodit r\u016fzn\u00e9 zpr\u00e1vy.<\/p>\n<h2 id=\"toc-1\">sebe. P\u011bkn\u011b \u0159e\u010deno<\/h2>\n<p>Na rozd\u00edl od rumunsk\u00e9ho tvrzen\u00ed o bezplatn\u00e9 zdravotn\u00ed p\u00e9\u010di mus\u00ed pacienti platit za pot\u0159ebn\u00e9 l\u00e9ky a podpl\u00e1cet odborn\u00edky, zdravotn\u00ed sestry a o\u0161et\u0159ovatele \u2013 co\u017e by po\u0161kodilo finance rodin. Daniel*, kter\u00e9mu je p\u0159es 30 let, s\u00e1m p\u0159edvedl tento sc\u00e9n\u00e1\u0159, jak pozd\u011bji p\u016fj\u010dit pen\u00edze p\u0159\u00e1tel\u016fm a tak\u00e9 jak zru\u0161it bankovn\u00ed \u00fa\u010dty, aby si mohl koupit l\u00e9ky nezbytn\u00e9 pro l\u00e9\u010dbu lymfatick\u00fdch n\u00e1dor\u016f. Jeho posledn\u00edm slibem je online poskytovatel rychl\u00fdch p\u016fj\u010dek Zaplo, kter\u00fd je v televizi a na sv\u00fdch webov\u00fdch str\u00e1nk\u00e1ch uveden jako \u201ebez\u00faro\u010dn\u00fd\u201c poskytovatel prvn\u00edho \u00fav\u011bru a okam\u017eit\u00e9 ceny v ob\u011bhu.<\/p>\n<p>Jeho vlastn\u00ed probl\u00e9my za\u010daly, kdy\u017e nebyl schopen zaplatit 175 dolar\u016f, kter\u00e9 si vzal. B\u011bhem 60 dn\u016f se n\u00e1klady dvakr\u00e1t zv\u00fd\u0161ily na 350 eur a za\u0159\u00edzen\u00ed z\u00e1kazn\u00edk\u016f Zaplo \u2013 jak lidsk\u00e1, tak i automatick\u00e1 robotick\u00e1 vol\u00e1n\u00ed \u2013 je denn\u011b zaplavovala telefon\u00e1ty. Nakonec si nechali Rumunsko v Rakousku pracovat jako pe\u010dovatel o seniory. Tento p\u0159\u00edpad nen\u00ed odd\u011blen\u00fd: mezi l\u00e9tem 2015 a \u0159\u00edjnem 2017 rumunsk\u00e9 soudy 570kr\u00e1t odsoudily z\u00e1kazn\u00edky Zaplo IFN \u2013 v\u011bt\u0161ina z nich byla v prodlen\u00ed. Zaplo IFN je dce\u0159inou spole\u010dnost\u00ed loty\u0161sk\u00e9 spole\u010dnosti 4finance a p\u016fsob\u00ed v 17 evropsk\u00fdch zem\u00edch.<\/p>\n<h2 id=\"toc-2\">krok 2. Z\u00e1v\u011br kompenzace<\/h2>\n<p>Na konci roku 2015 bylo Danielovi* t\u0159icet a po matouc\u00edm \u0159e\u0161en\u00ed rakoviny lymfatick\u00fdch uzlin. Rumunsko tvrd\u00ed, \u017ee poskytuje bezplatnou zdravotn\u00ed p\u00e9\u010di, ale s v\u011bdom\u00edm, \u017ee ob\u011bti mus\u00ed platit za pot\u0159ebnou l\u00e9\u010dbu a podpl\u00e1cet odborn\u00edky, zdravotn\u00ed sestry i sanit\u00e1\u0159e \u2013 co\u017e by mohlo po\u0161kodit financov\u00e1n\u00ed i t\u00e9 nejlep\u0161\u00ed rodiny. Pozd\u011bji si Daniel p\u016fj\u010doval pen\u00edze od bl\u00edzk\u00fdch p\u0159\u00e1tel a kamar\u00e1d\u016f a uzav\u00edral podnikatelsk\u00e9 p\u016fj\u010dky, ale od rozhodnut\u00ed se mu to moc nel\u00edbilo. V televizi a na internetu se dozv\u00eddal reklamy na jednoduchou banku s n\u00e1zvem Zaplo. Slibovala n\u00edzk\u00fd m\u011bs\u00ed\u010dn\u00ed \u00farok a okam\u017eit\u00fd p\u0159evod sazby z p\u016fvodn\u00edho \u00fa\u010dtu. Vypadalo to a\u017e p\u0159\u00edli\u0161 dob\u0159e na to, aby to byla pravda.<\/p>\n<p>V prosinci 2015 si na \u00fa\u010det sv\u00e9 man\u017eelky vybral aktiva ve v\u00fd\u0161i 800 rumunsk\u00fdch lei (tedy 175), proto\u017ee m\u00e1 novou \u00fav\u011brovou historii. Nedok\u00e1zal si v\u0161ak poradit s cenou a za dva m\u011bs\u00edce se mu poda\u0159ilo dvakr\u00e1t tolik 350 eur. Zaploovy obchody \u2013 obsluhovan\u00e9 lidmi i roboty \u2013 ho zasypaly hovory a \u017e\u00e1dostmi. Dohodl se, \u017ee je vr\u00e1t\u00ed ve dvou spl\u00e1tk\u00e1ch.<\/p>\n<p>Zaplo IFN je sou\u010d\u00e1st\u00ed loty\u0161sk\u00e9 spole\u010dnosti To be 4finance, kter\u00e1 p\u016fsob\u00ed v 17 evropsk\u00fdch zem\u00edch. Podnikov\u00fd model bude z\u00e1viset na tom, zda klienti v minulosti nesplatili sv\u00e9 \u00fa\u010dty. Rumunsk\u00fd pr\u00e1vn\u00edk Adrian Cuculis uv\u00e1d\u00ed, \u017ee se s jedn\u00edm z t\u011bchto p\u0159\u00edpad\u016f setk\u00e1v\u00e1 denn\u011b, pokud jde o ty, kter\u00e9 byly v t\u00e9to oblasti nalezeny.<\/p>\n<h2 id=\"toc-3\">3. Flexibiln\u00ed podm\u00ednky<\/h2>\n<p>Danielovi* bylo teprve n\u011bco m\u00e1lo p\u0159es t\u0159icet, kdy\u017e se dostal k slo\u017eit\u00e9mu zp\u016fsobu l\u00e9\u010dby rakoviny lymfatick\u00fdch uzlin. P\u0159edt\u00edm bral pen\u00edze od p\u0159\u00e1tel, kamar\u00e1d\u016f a tak\u00e9 od bank, aby si mohl koupit l\u00e9\u010dbu. Po n\u011bkolika t\u00fddnech v\u0161ak zkrachovali. A tak se obr\u00e1til na velkou prodejn\u00ed agenturu s n\u00e1zvem Zaplo, kter\u00e1 inzeruje v televizi a na internetu. Garantuj\u00ed nulovou \u00farokovou sazbu a dal\u0161\u00ed provize z prvn\u00edho \u00fav\u011bru a tak\u00e9 z odk\u00e1z\u00e1n\u00ed hlavn\u00edch n\u00e1klad\u016f.<\/p>\n<p>Firma uzav\u0159e smlouvu se spot\u0159ebitelem na internetu s pou\u017eit\u00edm obr\u00e1zku identifika\u010dn\u00edho kreditu. Celou \u010d\u00e1stku pot\u00e9 p\u0159evede p\u0159\u00edmo na bankovn\u00ed b\u011b\u017en\u00fd \u00fa\u010det spot\u0159ebitele.<\/p>\n<p>Nicm\u00e9n\u011b n\u00e1klady z domova narostly a Daniel nedok\u00e1zal splatit prvn\u00edch 800 RON (175 eur) a za dva m\u011bs\u00edce, kter\u00e9 pro\u017eili, se zdvojn\u00e1sobila \u010d\u00e1stka na 350 liber. Byl zaplaven telefon\u00e1ty a zpr\u00e1vami, kter\u00e9 m\u011bl odeslat Zaplo. Pot\u00e9 sepsali smlouvu o splacen\u00ed dluhu ve dvou spl\u00e1tk\u00e1ch.<\/p>\n<p>Zaplo IFN je jednou z 17 evropsk\u00fdch dce\u0159in\u00fdch spole\u010dnost\u00ed loty\u0161sk\u00e9 spole\u010dnosti 4finance a zd\u00e1 se, \u017ee pracuje v \u0161ed\u00e9 sf\u00e9\u0159e. Rumunsk\u00fd pr\u00e1vn\u00edk Adrian Cuculis uv\u00e1d\u00ed, \u017ee na\u0161el p\u0159\u00edpady lid\u00ed, kte\u0159\u00ed se b\u011bhem dne zbavovali okam\u017eit\u00fdch dluh\u016f mimo spole\u010dnosti, jako je Zaplo. Zjevn\u011b to rumunsk\u00e9 policii neregistruje, ani\u017e by o tom zjistila sebemen\u0161\u00ed informace.<\/p>\n<h2 id=\"toc-4\">\u010dty\u0159i. Pohodl\u00ed<\/h2>\n<p>Vyu\u017eijte syst\u00e9my Zaplo k rychl\u00e9mu pod\u00e1n\u00ed \u017e\u00e1dosti o opakovan\u00fd \u00fav\u011br Zaplo, zobrazte si jeho hodnocen\u00ed a spravujte platby kdekoli a kdykoli chcete \u2013 a to v\u0161e v r\u00e1mci smartphonu.<\/p>\n<p>Daniel*, kter\u00e9mu je n\u011bco p\u0159es t\u0159icet, se ve skute\u010dnosti vyd\u00e1v\u00e1 matouc\u00ed cestou k lymfatick\u00fdm malign\u00edm n\u00e1dor\u016fm. Navzdory teoreticky bezplatn\u00e9 zdravotn\u00ed p\u00e9\u010di v Rumunsku mus\u00ed pacienti platit za pot\u0159ebnou l\u00e9\u010dbu a podpl\u00e1cet l\u00e9ka\u0159e, zdravotn\u00ed sestry a o\u0161et\u0159ovatele \u2013 co\u017e by po\u0161kodilo finance cel\u00e9 rodiny. Pot\u00e9, co Daniel p\u016fj\u010dil pen\u00edze od soused\u016f a p\u0159\u00e1tel, utekl p\u0159ed rozhodnut\u00edm a obr\u00e1til se na online poskytovatele rychl\u00fdch p\u016fj\u010dek Zaplo. V televizi a na jeho webov\u00fdch str\u00e1nk\u00e1ch se uk\u00e1zalo, \u017ee nemus\u00ed platit \u017e\u00e1dnou protihodnotu za prvn\u00ed \u00fa\u010det, proto\u017ee v\u011bd\u011bl, \u017ee n\u00e1klady budou p\u0159evedeny okam\u017eit\u011b.<\/p>\n<p>Zaplo IFN, odehr\u00e1vaj\u00edc\u00ed se v roce 2013, pat\u0159\u00ed loty\u0161sk\u00e9 spole\u010dnosti To 4finance Individuals a p\u016fsob\u00ed v 17 zem\u00edch Evropy. Podle rumunsk\u00e9ho pr\u00e1vn\u00edka jejich obchodn\u00ed model vzkv\u00e9t\u00e1 na z\u00e1kazn\u00edc\u00edch, kte\u0159\u00ed nespl\u00e1cej\u00ed \u00fav\u011bry, a m\u016f\u017ee b\u00fdt uplat\u0148ov\u00e1n lidmi ve slo\u017eit\u00fdch finan\u010dn\u00edch situac\u00edch. Byla 1 570kr\u00e1t napadena rumunsk\u00fdmi soudy proti sv\u00fdm potenci\u00e1ln\u00edm klient\u016fm \u2013 v\u011bt\u0161ina z nich vedly k exekuc\u00edm. Situace 62let\u00e9 Any Kosy je jin\u00e1: chce 132 liber na z\u00e1kladn\u00ed cenu, ale m\u016f\u017ee si dovolit kryt\u00ed sv\u00e9ho 30denn\u00edho penzijn\u00edho pl\u00e1nu ve v\u00fd\u0161i 88 dolar\u016f a po\u0159\u00eddit si opakuj\u00edc\u00ed se \u00fa\u010det Zaplo, co\u017e se v prvn\u00edm t\u00fddnu zv\u00fd\u0161\u00ed na 308 liber. Cht\u011bla zapomenout na Rumunsko, aby mohla pracovat jako seniorn\u00ed pe\u010dovatelka a splatit dluh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky opakuj\u00edc\u00ed se \u00fa\u010det Zaplo sebe. P\u011bkn\u011b \u0159e\u010deno krok 2. Z\u00e1v\u011br kompenzace 3. Flexibiln\u00ed podm\u00ednky \u010dty\u0159i. Pohodl\u00ed opakuj\u00edc\u00ed se \u00fa\u010det Zaplo Danielovi* bylo p\u0159es t\u0159icet a podstoupil slo\u017eitou l\u00e9\u010dbu lymfatick\u00fdch malign\u00edch n\u00e1dor\u016f.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18523","post","type-post","status-publish","format-standard","hentry","category-blog"],"aioseo_notices":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/posts\/18523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/comments?post=18523"}],"version-history":[{"count":1,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/posts\/18523\/revisions"}],"predecessor-version":[{"id":18524,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/posts\/18523\/revisions\/18524"}],"wp:attachment":[{"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/media?parent=18523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/categories?post=18523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retosmtbcolombia.com\/index.php\/wp-json\/wp\/v2\/tags?post=18523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}