{"id":253,"date":"2026-08-29T23:50:32","date_gmt":"2026-08-29T21:50:32","guid":{"rendered":"https:\/\/www.navratime.cz\/?post_type=finance_story&p=253"},"modified":"2026-08-30T00:06:10","modified_gmt":"2026-08-29T22:06:10","slug":"dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven","status":"publish","type":"finance_story","link":"https:\/\/www.navratime.cz\/index.php\/story\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\/","title":{"rendered":"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven"},"content":{"rendered":"

\u201eJednu p\u016fj\u010dku jsem spl\u00e1cela druhou. Pak t\u0159et\u00ed p\u016fj\u010dkou druhou a prvn\u00ed. A najednou jsem v\u016fbec nev\u011bd\u011bla, kolik komu vlastn\u011b dlu\u017e\u00edm.\u201c<\/strong><\/p><\/blockquote>\n

Za posledn\u00edch deset let jsem si p\u016fj\u010dila p\u0159ibli\u017en\u011b osmkr\u00e1t. Od n\u011bkolika r\u016fzn\u00fdch nebankovn\u00edch spole\u010dnost\u00ed. Ne proto, \u017ee bych si cht\u011bla kupovat drah\u00e9 v\u011bci. Postupn\u011b jsem si za\u010dala p\u016fj\u010dovat hlavn\u011b proto, abych dok\u00e1zala spl\u00e1cet p\u0159edchoz\u00ed p\u016fj\u010dky.<\/h2>\n

Dlouho jsem m\u011bla pocit, \u017ee m\u00e1m situaci je\u0161t\u011b pod kontrolou. V\u017edycky jsem n\u011bjak sehnala pen\u00edze na dal\u0161\u00ed spl\u00e1tku a \u0159\u00edkala si, \u017ee to postupn\u011b srovn\u00e1m. Jen\u017ee m\u00edsto toho p\u0159ib\u00fdvaly dal\u0161\u00ed z\u00e1vazky, n\u00e1klady kolem nich rostly a j\u00e1 se z toho koloto\u010de dost\u00e1vala \u010d\u00edm d\u00e1l h\u016f\u0159.<\/p>\n

Kdy\u017e p\u0159i\u0161el ne\u010dekan\u00fd v\u00fddaj, nebyla u\u017e \u017e\u00e1dn\u00e1 rezerva. \u0158e\u0161en\u00edm byla zase dal\u0161\u00ed p\u016fj\u010dka.
\n\u010casem jsem m\u011bla n\u011bkolik \u00fav\u011br\u016f sou\u010dasn\u011b a v\u011bt\u0161ina m\u00e9 v\u00fdplaty mizela jen na spl\u00e1tk\u00e1ch.<\/p>\n

Nejhor\u0161\u00ed nebyly ani samotn\u00e9 pen\u00edze. Nejhor\u0161\u00ed byl neust\u00e1l\u00fd strach.
\nTelefon\u00e1ty, zpr\u00e1vy, upom\u00ednky a pocit, \u017ee ka\u017ed\u00fd dal\u0161\u00ed m\u011bs\u00edc bude je\u0161t\u011b hor\u0161\u00ed.
\nN\u011bkter\u00e9 \u010d\u00e1stky se po\u0159\u00e1d navy\u0161ovaly a j\u00e1 u\u017e p\u0159est\u00e1vala v\u011b\u0159it, \u017ee to n\u011bkdy dok\u00e1\u017eu ukon\u010dit.<\/p>\n

\n

Pak jsem objevila Navratime.cz.<\/strong><\/h2>\n<\/blockquote>\n

Poprv\u00e9 po dlouh\u00e9 dob\u011b jsem m\u011bla pocit, \u017ee se n\u011bkdo nesna\u017e\u00ed prodat mi dal\u0161\u00ed p\u016fj\u010dku,
\nale opravdu se pod\u00edvat na to, co se mnou v\u0161echny ty roky d\u011blo.<\/p>\n

Postupn\u011b jsme dali dohromady v\u0161echny smlouvy, \u00fav\u011bry a platby. N\u011bkter\u00e9 dokumenty jsem u\u017e ani nem\u011bla
\ndob\u0159e uspo\u0159\u00e1dan\u00e9 a sama jsem se v nich nevyznala.<\/p>\n

Lid\u00e9 z Navratime.cz jednotliv\u00e9 \u00fav\u011bry pro\u0161li, pomohli mi situaci uspo\u0159\u00e1dat a \u0159e\u0161it sporn\u00e9 \u010d\u00e1stky,
\n\u00faroky a dal\u0161\u00ed n\u00e1klady. Najednou u\u017e jsem nebyla sama proti n\u011bkolika spole\u010dnostem,
\njejich dopis\u016fm a jejich podm\u00ednk\u00e1m.<\/p>\n

\n

450 000 K\u010d\u00a0 \u010d\u00e1stka, kterou se v m\u00e9m p\u0159\u00edpad\u011b poda\u0159ilo z\u00edskat zp\u011bt<\/strong><\/h2>\n<\/blockquote>\n

Z vr\u00e1cen\u00fdch pen\u011bz jsem mohla n\u011bkter\u00e9 \u00fav\u011bry okam\u017eit\u011b doplatit a celou svoji situaci v\u00fdrazn\u011b uklidnit.<\/p>\n

Neznamen\u00e1 to, \u017ee dnes u\u017e nic neplat\u00edm. Pen\u00edze, kter\u00e9 jsem si skute\u010dn\u011b p\u016fj\u010dila, samoz\u0159ejm\u011b mus\u00edm doplatit.
\nRozd\u00edl je ale obrovsk\u00fd.<\/p>\n

Dnes u\u017e v\u00edm, co plat\u00edm. V\u00edm komu. V\u00edm kolik. A hlavn\u011b u\u017e nem\u00e1m pocit,
\n\u017ee se ka\u017ed\u00fd m\u011bs\u00edc \u010d\u00e1stka bez konce navy\u0161uje a \u017ee nade mnou n\u011bkdo dr\u017e\u00ed neust\u00e1lou hrozbu dal\u0161\u00edho dluhu.<\/p>\n

\u201eZachr\u00e1nili mi \u017eivot. Ne t\u00edm, \u017ee by za m\u011b zaplatili moje dluhy, ale t\u00edm,<\/strong>
\n\u017ee mi pomohli ud\u011blat v nich po\u0159\u00e1dek a kone\u010dn\u011b zastavit ten nekone\u010dn\u00fd koloto\u010d.\u201c Po letech zase norm\u00e1ln\u011b sp\u00edm. Kdy\u017e zazvon\u00ed telefon, neleknu se.\u00a0 Kdy\u017e p\u0159ijde e-mail, nem\u00e1m strach ho otev\u0159\u00edt.<\/strong><\/p>\n

Je t\u011b\u017ek\u00e9 vysv\u011btlit \u010dlov\u011bku, kter\u00fd n\u011bco podobn\u00e9ho neza\u017eil, jak velk\u00e1 \u00faleva to je.
\nJe\u0161t\u011b p\u0159ed \u010dasem jsem m\u011bla pocit, \u017ee ze sv\u00e9 situace nikdy neuniknu.
\nDnes sice st\u00e1le spl\u00e1c\u00edm to, co skute\u010dn\u011b dlu\u017e\u00edm, ale poprv\u00e9 m\u00e1m p\u0159ed sebou konec.<\/p>\n

Moc d\u011bkuji profesion\u00e1l\u016fm z Navratime.cz.<\/strong>
\nZa trp\u011blivost, lidsk\u00fd p\u0159\u00edstup a hlavn\u011b za to, \u017ee jste se mnou cel\u00fd probl\u00e9m opravdu \u0159e\u0161ili.<\/strong>
\nSama bych to nikdy nedok\u00e1zala.<\/strong><\/p>\n

Anonymizovan\u00fd p\u0159\u00edb\u011bh klientky, \u00dadaje mohou b\u00fdt upraveny z d\u016fvodu ochrany soukrom\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201eJednu p\u016fj\u010dku jsem spl\u00e1cela druhou. Pak t\u0159et\u00ed p\u016fj\u010dkou druhou a prvn\u00ed. A najednou jsem v\u016fbec nev\u011bd\u011bla, kolik komu vlastn\u011b dlu\u017e\u00edm.\u201c Za posledn\u00edch deset let jsem si p\u016fj\u010dila p\u0159ibli\u017en\u011b osmkr\u00e1t. Od n\u011bkolika r\u016fzn\u00fdch nebankovn\u00edch spole\u010dnost\u00ed. Ne proto, \u017ee bych si cht\u011bla kupovat drah\u00e9 v\u011bci. Postupn\u011b jsem si za\u010dala p\u016fj\u010dovat hlavn\u011b proto, abych dok\u00e1zala spl\u00e1cet p\u0159edchoz\u00ed p\u016fj\u010dky….<\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"class_list":["post-253","finance_story","type-finance_story","status-publish","hentry"],"yoast_head":"\nDostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven - Navr\u00e1t\u00edme.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.navratime.cz\/index.php\/story\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven - Navr\u00e1t\u00edme.cz\" \/>\n<meta property=\"og:description\" content=\"\u201eJednu p\u016fj\u010dku jsem spl\u00e1cela druhou. Pak t\u0159et\u00ed p\u016fj\u010dkou druhou a prvn\u00ed. A najednou jsem v\u016fbec nev\u011bd\u011bla, kolik komu vlastn\u011b dlu\u017e\u00edm.\u201c Za posledn\u00edch deset let jsem si p\u016fj\u010dila p\u0159ibli\u017en\u011b osmkr\u00e1t. Od n\u011bkolika r\u016fzn\u00fdch nebankovn\u00edch spole\u010dnost\u00ed. Ne proto, \u017ee bych si cht\u011bla kupovat drah\u00e9 v\u011bci. Postupn\u011b jsem si za\u010dala p\u016fj\u010dovat hlavn\u011b proto, abych dok\u00e1zala spl\u00e1cet p\u0159edchoz\u00ed p\u016fj\u010dky....\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.navratime.cz\/index.php\/story\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\/\" \/>\n<meta property=\"og:site_name\" content=\"Navr\u00e1t\u00edme.cz\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-29T22:06:10+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\\\/\",\"url\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\\\/\",\"name\":\"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven - Navr\u00e1t\u00edme.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/#website\"},\"datePublished\":\"2026-08-29T21:50:32+00:00\",\"dateModified\":\"2026-08-29T22:06:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\\\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\\\/\\\/www.navratime.cz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Va\u0161e p\u0159\u00edb\u011bhy\",\"item\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/story\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/#website\",\"url\":\"https:\\\/\\\/www.navratime.cz\\\/\",\"name\":\"Navr\u00e1t\u00edme.cz\",\"description\":\"Vr\u00e1t\u00edme v\u00e1m v\u00edc jak konkurence\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.navratime.cz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven - Navr\u00e1t\u00edme.cz","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.navratime.cz\/index.php\/story\/dostala-jsem-se-do-kruhu-pujcek-ze-ktereho-jsem-uz-nevidela-cestu-ven\/","og_locale":"cs_CZ","og_type":"article","og_title":"Dostala jsem se do kruhu p\u016fj\u010dek, ze kter\u00e9ho jsem u\u017e nevid\u011bla cestu ven - Navr\u00e1t\u00edme.cz","og_description":"\u201eJednu p\u016fj\u010dku jsem spl\u00e1cela druhou. 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