Tie\u0161\u0101m dom\u0101ju, ka nekad neaiz\u0146em\u0161os naudu no \u0101tro kred\u012btu komp\u0101nij\u0101m. T\u0101 raksta k\u0101da port\u0101la TVNET las\u012bt\u0101ja, kurai ir negat\u012bva pieredze ar kred\u012btu, kura sa\u0146em\u0161anai vajadz\u0113ja samaks\u0101t tikai vienu sant\u012bmu.<\/p>\n
Las\u012bt\u0101ja rakst\u012bja: \u00abMan tagad ir 20 gadi. Pirmo \u0101tro kred\u012btu aiz\u0146\u0113mos jau 18 gadu vecum\u0101. To veiksm\u012bgi un laic\u012bgi atdevu.<\/p>\n
P\u0101ris m\u0113ne\u0161us v\u0113l\u0101k dz\u012bve iegroz\u012bj\u0101s t\u0101, ka n\u0101c\u0101s pamest m\u0101jas, dz\u012bvot vienai R\u012bg\u0101, pabeigt vidusskolu un atrast past\u0101v\u012bgu darbu.<\/p>\n
Dz\u012bve izmain\u012bj\u0101s 24 stundu laik\u0101.<\/p>\n
Lai izdz\u012bvotu pirmo m\u0113nesi, pa\u0146\u0113mu \u00abSMS Credit\u00bb 200 Ls apm\u0113r\u0101. Dom\u0101ju, ka dr\u012bz vien atrad\u012b\u0161u darbu un \u0161o summu sp\u0113\u0161u atmaks\u0101t uzreiz p\u0113c m\u0113ne\u0161a.<\/p>\n
Interesant\u0101kais bija tas, ka neviens nepras\u012bja ne konta izrakstus, ne to, vai man ir darba vieta, piln\u012bb\u0101 neko.<\/p>\n
Tikai vajadz\u0113ja aizskait\u012bt 1 sant\u012bmu no internetbankas, lai re\u0123istr\u0113tos.<\/p>\n
T\u0101 k\u0101 uzreiz nevar\u0113ju atmaks\u0101t, n\u0101c\u0101s pagarin\u0101t. Beidzu veikt pagarin\u0101\u0161anu, l\u012bdzko pagarin\u0101\u0161anas summa bija sasniegusi aizdevuma summu.<\/p>\n
Man bija uzn\u0101cis \u00abbesis\u00bb. Bija p\u0101ris m\u0113ne\u0161i (k\u0101di \u010detri laikam), kad visp\u0101r nemaks\u0101ju. L\u012bgumsoda procentiem neredz\u0113ju virsotni. Vai tie k\u0101dreiz ar\u012b apst\u0101jas, vai ir kaut k\u0101di griesti?<\/p>\n
Protams, sa\u0146\u0113mu daudz zvanu, draudu un taml\u012bdz\u012bgas lietas. Teicu vi\u0146iem, lai s\u016bdz mani ties\u0101, nav ne pirm\u0101, ne p\u0113d\u0113j\u0101.<\/p>\n
Bet sapratu, ka tas nav vi\u0146u interes\u0113s, jo, s\u0101koties tiesas procesam, kred\u012bta summa tiek iesald\u0113ta, bet,<\/p>\n
mor\u0101li tiraniz\u0113jot aiz\u0146\u0113m\u0113jus, vi\u0146i, protams, ir ieguv\u0113ji.<\/p>\n
Tagad \u0161is kred\u012bts ir dz\u0113sts, bet v\u0113l\u0113tos veikt da\u017eus apr\u0113\u0137inus.<\/p>\n
T\u0101tad es aiz\u0146\u0113mos 200 Ls (turkl\u0101t bezprocentu kred\u012bt\u0101). Pagarin\u0101\u0161anas maks\u0101s atdevu Ls 200 + pamatsumma Ls 200 + l\u012bgumsoda procenti Ls 350 + komisijas maksa par katru m\u0113nesi, sast\u0101dot maks\u0101juma grafiku, 50 Ls = kop\u0101 800 Ls.<\/p>\n
Rezult\u0101t\u0101 p\u0101rmaksa bija 600 Ls.<\/p>\n
Tagad uz to skatos cit\u0101d\u0101k, uzn\u0101k nedaudz smiekli, bet es nest\u0101dos priek\u0161\u0101 tiem cilv\u0113kiem, kuri ir p\u0101rmaks\u0101ju\u0161i v\u0113l vair\u0101k nek\u0101 es.<\/p>\n
Pa vidu \u0161im kred\u012btam biju pa\u0146\u0113musi simbolisku mazu kred\u012btu 40 Ls apm\u0113r\u0101. To ar\u012b san\u0101ca iekav\u0113t, ta\u010du tas ir atmaks\u0101ts.<\/p>\n
Bet interesants fakts ir t\u0101ds: kad gras\u012bjos atdot visu kred\u012bta summu, izr\u0101d\u012bj\u0101s, ka \u0161\u012b komp\u0101nija vairs neeksist\u0113 un to ir nopirkusi cita kred\u012btiest\u0101de. Nomaks\u0101jot kred\u012btu, es nesa\u0146\u0113mu ne zvanu, ne \u012bszi\u0146u, ne e-pastu, ka kred\u012bts ir nomaks\u0101ts. Cerams, ka p\u0113c k\u0101da laika pastkast\u012bt\u0113 nesa\u0146em\u0161u v\u0113stuli no par\u0101du piedzin\u0113jiem. Ha ha.<\/p>\n
Es uzskatu, ka vald\u012bbai<\/p>\n
vajadz\u0113tu uzlikt procentu griestus \u0161\u012bm mazaj\u0101m, vilt\u012bgaj\u0101m \u0101tro kred\u012btu komp\u0101nij\u0101m,<\/p>\n
jo daudzi cilv\u0113ki ir non\u0101ku\u0161i kred\u012btu j\u016bg\u0101 un ir milz\u012bg\u0101 naudas stres\u0101.<\/p>\n
Mana situ\u0101cija ir v\u0113l diezgan maiga, jo neb\u0113gu no kreditoru zvaniem un e-pastiem, centos visu sarun\u0101t, t\u0101p\u0113c ikvienam iesaku savas kred\u012btsaist\u012bbas nok\u0101rtot un m\u0113\u0123in\u0101t pan\u0101kt kompromisu par atmaksas veik\u0161anu.<\/p>\n
Ir t\u0101ds teiciens: \u00abNekad nesaki nekad!\u00bb Bet es tie\u0161\u0101m dom\u0101ju un saku, ka es NEKAD neaiz\u0146em\u0161os kred\u012btus no \u0161\u0101da veida komp\u0101nij\u0101m, un iesaku ar\u012b jums to nedar\u012bt! Zinu, ka tuviniekiem ir gr\u016bti l\u016bgt naudu, bet, ticiet man, ar br\u0101li viegl\u0101k norun\u0101t atmaksas grafiku.\u00bb<\/p>\n
Avots: www.tvnet.lv<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Tie\u0161\u0101m dom\u0101ju, ka nekad neaiz\u0146em\u0161os naudu no \u0101tro kred\u012btu komp\u0101nij\u0101m. T\u0101 raksta k\u0101da port\u0101la TVNET las\u012bt\u0101ja, kurai ir negat\u012bva pieredze<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-112","post","type-post","status-publish","format-standard","hentry","category-pubikacija"],"_links":{"self":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=112"}],"version-history":[{"count":1,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/112\/revisions"}],"predecessor-version":[{"id":113,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=\/wp\/v2\/posts\/112\/revisions\/113"}],"wp:attachment":[{"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kreditnemejuasociacija.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}