{"id":28969,"date":"2025-10-23T08:57:12","date_gmt":"2025-10-23T08:57:12","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/28969\/"},"modified":"2025-10-23T08:57:12","modified_gmt":"2025-10-23T08:57:12","slug":"vina-domaja-ka-palidz-policijai-kert-telefonkrapniekus-patiesiba-kluva-par-vinu-upuri-raksts","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/28969\/","title":{"rendered":"Vi\u0146a dom\u0101ja, ka pal\u012bdz policijai \u0137ert telefonkr\u0101pniekus. Paties\u012bb\u0101 k\u013cuva par vi\u0146u upuri \/ Raksts"},"content":{"rendered":"

Marinas gad\u012bjums paral\u0113li kr\u0101p\u0161anas sh\u0113mai ar\u012b par\u0101da, ka \u0101tro kred\u012btu dev\u0113ji turpina peln\u012bt no cilv\u0113kiem, kuriem nedr\u012bkst aizdot. Sieviete, kuras alga bija 890 eiro, p\u0101ris dien\u0101s aiz\u0146\u0113m\u0101s ap 44 000 eiro. “Re:Baltica”\u00a0skaidro, k\u0101 tas notika un ko valsts var\u0113tu dar\u012bt, lai pasarg\u0101tu telefonkr\u0101pnieku upurus.\u00a0<\/p>\n

K\u0101 alla\u017e, viss s\u0101k\u0101s ar telefona zvanu.\u00a0<\/p>\n

2023. gada maij\u0101 Daugavpils te\u0101tra producente Marina Ivanova (25) uz br\u012bdi pameta m\u0113\u0123in\u0101jumu, jo k\u0101ds zvan\u012bja. Balss klausul\u0113 angliski apgalvoja, ka ir no tehnolo\u0123iju mil\u017ea “Google”\u00a0dro\u0161\u012bbas dienesta. Esot notikusi datu nopl\u016bde.\u00a0<\/p>\n

Zvan\u012bt\u0101js l\u016bdza Marinu kop\u012bgot telefona ekr\u0101nu un atv\u0113rt da\u017eas lietotnes.\u00a0<\/p>\n

\n

“”Facebook”, “Instagram”, sp\u0113les, internetveikali un banka. Nebija j\u0101ielogojas. Tikai s\u0101kuma ekr\u0101ns,” vi\u0146a atminas.\u00a0<\/p>\n<\/blockquote>\n

Zvan\u012bt\u0101js p\u0113c br\u012b\u017ea secin\u0101ja, ka pie vainas ir k\u0101ds \u0137\u012bnie\u0161u internetveikals, un ieteica izdz\u0113st lietotni.\u00a0<\/p>\n

Marina izdz\u0113sa. P\u0113c zvana e-past\u0101 pien\u0101ca ofici\u0101la paskata aptauja, l\u016bdzot nov\u0113rt\u0113t “Google”\u00a0sniegto pal\u012bdz\u012bbu. P\u0101rliecin\u0101ta, ka probl\u0113ma atrisin\u0101ta, vi\u0146a dev\u0101s sav\u0101s gait\u0101s.\u00a0<\/p>\n

Marinai nebija ne jausmas, ka piecu min\u016b\u0161u saruna ir pirmais solis kr\u0101pniec\u012bbas sh\u0113m\u0101, kuras rezult\u0101t\u0101 vi\u0146a p\u0113c p\u0101ris dien\u0101m bank\u0101m un \u0101tro kred\u012btu dev\u0113jiem b\u016bs par\u0101d\u0101 44 662 eiro.\u00a0<\/p>\n

K\u0101 vi\u0146a iekrita\u00a0<\/p>\n

N\u0101kamaj\u0101 r\u012bt\u0101 Marinai zvan\u012bja nepaz\u012bstama sieviete, kura st\u0101d\u012bj\u0101s priek\u0161\u0101 k\u0101 Jevg\u0113\u0146ija Sokolova no “Swedbank”.\u00a0<\/p>\n

\n

“Jaut\u0101ja, vai man vakar zvan\u012bju\u0161i kaut k\u0101di d\u012bvaini cilv\u0113ki par dro\u0161\u012bbas p\u0101rbaudi. Un tad pazi\u0146oja, ka zvana laik\u0101 es esmu iedevusi vi\u0146iem savus datus un uz mana v\u0101rda ir pa\u0146emti kred\u012bti vis\u0101s Latvijas kred\u012btiest\u0101d\u0113s,” “Re:Baltica”\u00a0st\u0101sta Marina.\u00a0<\/p>\n<\/blockquote>\n

Vi\u0146a jaut\u0101ja, k\u0101 var b\u016bt dro\u0161a, ka zvana no bankas. Jevg\u0113\u0146ija piekrita, ka vienm\u0113r j\u0101p\u0101rbauda, ar ko run\u0101. T\u0101p\u0113c nosauca savu bankas darbinieka identifik\u0101cijas numuru un pied\u0101v\u0101ja parun\u0101t ar izmekl\u0113t\u0101ju, kur\u0161 str\u0101d\u0101, lai atkl\u0101tu \u0161o noziegumu.\u00a0<\/p>\n

Vi\u0146\u0161 Marinai piezvan\u012bja p\u0113c p\u0101ris min\u016bt\u0113m. V\u012brie\u0161a balss klausul\u0113 apgalvoja, ka ir izmekl\u0113t\u0101js Valsts policij\u0101 (VP) un str\u0101d\u0101 kop\u0101 ar “Swedbank”\u00a0kibernoziegumu atkl\u0101\u0161an\u0101. Vi\u0146\u0161 mudin\u0101ja sadarboties. Policijai jau esot pavedieni. T\u0101 k\u0101 Marinas gad\u012bjums tikko noticis, j\u0101r\u012bkojas \u0101tri.\u00a0<\/p>\n

“Vi\u0146\u0161 gan mani mierin\u0101ja, gan draud\u0113ja, ka, ja nesadarbo\u0161os, visa finansi\u0101l\u0101 atbild\u012bba b\u016bs uz mani. Ja negribu sev probl\u0113mas, vajag pal\u012bdz\u0113t,” atceras Marina. Zvan\u012bt\u0101js bied\u0113ja, ka banka blo\u0137\u0113s kontus, saboj\u0101sies vi\u0146as kred\u012btreitings, vi\u0146a zaud\u0113s naudu un par nesadarbo\u0161anos dab\u016bs krimin\u0101lprocesu. “Man bija bail, biju stres\u0101,” Marina saka.\u00a0<\/p>\n

T\u0101pat vi\u0146\u0161 uzsv\u0113ra, ka Marina dar\u012bs labu darbu \u2013\u00a0pal\u012bdz\u0113s no\u0137ert kr\u0101pniekus un pasarg\u0101s citus.\u00a0<\/p>\n

\n

“Tas bija sp\u0113c\u012bgs arguments. Skaidrs, ka negrib\u0113j\u0101s ar\u012b finansi\u0101l\u0101s sekas, bet pal\u012bdz\u0113t citiem b\u0113d\u0101 non\u0101ku\u0161iem \u0161\u0137ita \u012bpa\u0161i pareizi.”\u00a0\u00a0<\/p>\n<\/blockquote>\n

Marina piekrita sadarb\u012bbai.\u00a0\u00a0<\/p>\n

Gan “bankas darbiniece”, gan “izmekl\u0113t\u0101js” bija kr\u0101pnieki.\u00a0<\/p>\n

Vi\u0146i Marinai izkl\u0101st\u012bja r\u012bc\u012bbas pl\u0101nu. “Lai kred\u012btus nodz\u0113stu, tie j\u0101pa\u0146em no jauna ar manu \u012bsto identit\u0101ti,” atceras Marina. Pa\u0146ems kred\u012btu, uzreiz atdos naudu, un kr\u0101pnieki paliks be\u0161\u0101. Marinai tobr\u012bd nebija nek\u0101das izpratnes, k\u0101 str\u0101d\u0101 kredit\u0113\u0161ana, jo vi\u0146as m\u016b\u017ea liel\u0101kais aiz\u0146\u0113mums bija 400 eiro l\u012bzings datora ieg\u0101dei.\u00a0<\/p>\n

Kam\u0113r Marina \u0146ems kred\u012btus, policija str\u0101d\u0101s. Piem\u0113ram, nov\u0113ro\u0161anas kamer\u0101s p\u0113t\u012bs kred\u012btiest\u0101\u017eu darbinieku r\u012bc\u012bbu, jo vain\u012bgie varot b\u016bt jebkur. Varb\u016bt pat pa\u0161as \u0123imenes locek\u013ci atdevu\u0161i vi\u0146as datus kr\u0101pniekiem. T\u0101p\u0113c Marinai visa inform\u0101cija par oper\u0101ciju j\u0101tur slepen\u012bb\u0101.\u00a0<\/p>\n

\u0160\u0101da taktika neatst\u0101j upurim laiku apdom\u0101ties vai ar k\u0101du pakonsult\u0113ties.\u00a0<\/p>\n

Paral\u0113li kr\u0101pnieki turpin\u0101ja Marinu steidzin\u0101t, sakot \u2013 ja ner\u012bkosies \u0101tri, kr\u0101pnieki nozags visu naudu.\u00a0<\/p>\n

44 000 eiro piec\u0101s dien\u0101s\u00a0<\/p>\n

Pirm\u0101 adrese, uz kuru “bankas darbiniece” aizs\u016bt\u012bja Marinu, bija lombarda \u2013 aug\u013cot\u0101ja “E-Lats”\u00a0fili\u0101le Daugavpil\u012b. J\u0101iet un j\u0101\u0146em tik liels kred\u012bts, cik dod. Tie izr\u0101d\u012bj\u0101s 2000 eiro.\u00a0<\/p>\n

N\u0101kamais r\u012bkojums: nauda j\u0101s\u016bta “bankas a\u0123entiem” kred\u012bta dz\u0113\u0161anai.\u00a0<\/p>\n

\n

Marinai \u0161\u0137ita sav\u0101di, ka nauda j\u0101s\u016bta Ukrainas pilso\u0146iem. Jevg\u0113\u0146ija p\u0101rliecin\u0101ja, ka vi\u0146i esot\u00a0uzticami bankas darbinieki un atrodoties\u00a0Latvij\u0101.\u00a0<\/p>\n<\/blockquote>\n

Naudu “a\u0123entiem” Marina s\u016bt\u012bja\u00a0ar\u00a0“Ria Money”, “MoneyGram”\u00a0un\u00a0“Western Union”\u00a0fili\u0101\u013cu starpniec\u012bbu. (“Re:Baltica”\u00a0jau\u00a0rakst\u012bjusi<\/a>, ka kr\u0101pnieki iecien\u012bju\u0161i \u0161os pakalpojumu sniedz\u0113jus, jo ac\u012bmredzot caur tiem viegl\u0101k p\u0101rskait\u012bt nek\u0101 bank\u0101s).<\/p>\n

Apliecin\u0101juma dokuments, ko kr\u0101pnieki s\u016bt\u012bja bankas v\u0101rd\u0101, parastam cilv\u0113kam izskat\u012btos \u012bsti. Tas Marinu p\u0101rliecin\u0101ja, ka r\u012bkojas pareizi.<\/p>\n

\"Swedbank<\/p>\n

Swedbank nor\u0101da, ka dokument\u0101 ir vair\u0101ki \u201csarkanie karogi\u201d, kas \u013cauj saprast \u2013 tas nav rad\u012bts bank\u0101. T\u0101pat \u0161\u0101di dokumenti netiek s\u016bt\u012bti priv\u0101t\u0101s sarakst\u0113s, bet gan internetbank\u0101. Foto: ekr\u0101nuz\u0146\u0113mums no Marinas Whatsapp sarakstes ar \u201cJevg\u0113\u0146iju Sokolovu\u201d<\/p>\n<\/p>\n

T\u0101p\u0113c, kad Jevg\u0113\u0146ija mudin\u0101ja \u0146emt n\u0101kamo kred\u012btu, vi\u0146a ne\u0161aub\u012bj\u0101s. “Malac\u012bte, lepojos ar jums,” ik pa laikam rakst\u012bja viltus bankas darbiniece.<\/p>\n

\n

Pie viena izlik\u0101s, ka r\u016bp\u0113jas par Marinas labsaj\u016btu \u2013 apvaic\u0101j\u0101s, vai san\u0101cis pa\u0113st, k\u0101 j\u016btas. Un tad s\u016bt\u012bja n\u0101kam\u0101s instrukcijas.\u00a0<\/p>\n<\/blockquote>\n

Otro kred\u012btu Marina pa\u0146\u0113ma bank\u0101 “Citadele”.\u00a0Atv\u0113ra kontu, aiz\u0146\u0113m\u0101s 5000 eiro. Daugavpils fili\u0101l\u0113 tik lielas summas skaidr\u0101 naud\u0101 neizsniedz, t\u0101p\u0113c n\u0101kamaj\u0101 dien\u0101 Marinai bija j\u0101brauc uz R\u012bgu.\u00a0<\/p>\n

\"\"\/<\/p>\n

Pie st\u016bres Marina pa\u0146\u0113ma v\u0113l tr\u012bs kred\u012btus (“vivus.lv”, “Ferratum”\u00a0un “BigBank”). Tika v\u0113l pie 25 662 eiro. “K\u0101d\u0101 br\u012bd\u012b iedom\u0101jos, k\u0101 man var tik daudz kred\u012btus iedot, bet galv\u0101 svar\u012bg\u0101ka bija doma par oper\u0101ciju: ka es gan savu kontu att\u012bru, gan c\u012bnos ar kr\u0101pniekiem, lai tas nenotiek ne ar vienu citu,” atminas sieviete.\u00a0\u00a0<\/p>\n

“Citadel\u0113”\u00a0R\u012bg\u0101 nebija br\u012bvu pierakstu. Vi\u0146a naudu p\u0101rskait\u012bja uz savu kontu “Swedbank”\u00a0un dev\u0101s uz fili\u0101li.\u00a0<\/p>\n

\n

“Pirms iet iek\u0161\u0101, Jevg\u0113\u0146ija mani noinstru\u0113ja, k\u0101 uzved\u012bsies bankas darbinieki. Ka vi\u0146i man krit\u012bs uz nerviem, jaut\u0101s, k\u0101p\u0113c \u0146emu to naudu, teiks, ka esmu apkr\u0101pta un nevajag \u0146emt.\u00a0<\/p>\n<\/blockquote>\n

Tam nevajag tic\u0113t, t\u0101ds ir protokols, kas j\u0101saka, un viss,” atceras Marina. Jevg\u0113\u0146ija pat izsp\u0113l\u0113ja iesp\u0113jamos dialogus. “Man bija j\u0101saka, ka t\u0101 ir mana person\u012bg\u0101 dar\u012b\u0161ana un l\u016bdzu mani neaiztikt. Visi mani v\u0101rdi iepriek\u0161 bija uzrakst\u012bti k\u0101 scen\u0101rijs.”\u00a0<\/p>\n

P\u0113c p\u0101rrun\u0101m, p\u0101rbaud\u0113m un br\u012bdin\u0101jumiem Marina beig\u0101s tika pie naudas. Tad atk\u0101rtoja iepriek\u0161\u0113jo scen\u0101riju \u2013 sadal\u012bja maz\u0101k\u0101s summ\u0101s un p\u0101rskait\u012bja “a\u0123entiem”.\u00a0<\/p>\n

Tobr\u012bd div\u0101s dien\u0101s Marina \u0101trajos kred\u012btos jau bija pa\u0146\u0113musi 32 662 eiro. Bija ar\u012b p\u0101ris atteikumu.\u00a0<\/p>\n

P\u0113c piec\u0101m dien\u0101m Jevg\u0113\u0146ija uzrad\u0101s v\u0113lreiz.\u00a0<\/p>\n

Kr\u0101pnieki bija atradu\u0161i v\u0113l vienu vietu, kur Marinai aiz\u0146emties \u2013 Zviedrij\u0101 re\u0123istr\u0113to “TFBank”.\u00a0T\u0101 Marinai internet\u0101 aizdeva 12 000 eiro.\u00a0<\/p>\n

(Te m\u0113s izlaid\u012bsim p\u0113d\u0113jo da\u013cu \u2013 k\u0101 Marina k\u013cuva par naudas m\u016bli. Izmantodami vi\u0146as uztic\u012bbu un izveidoju\u0161\u0101s attiec\u012bbas, kr\u0101pnieki v\u0113l p\u0113c p\u0101ris dien\u0101m pazi\u0146oja, ka visi kred\u012bti nav dz\u0113sti. Ta\u010du, t\u0101 k\u0101 neviens vi\u0146ai vairs neaizdod, banka iedo\u0161ot pati. J\u0101iz\u0146em skaidr\u0101 nauda, j\u0101aizved uz R\u012bgu un j\u0101nodod “a\u0123entam”. Bankas “darbinieki” Marinas kont\u0101 ieskait\u012bja vair\u0101kus t\u016bksto\u0161us. V\u0113l\u0101k atkl\u0101j\u0101s, ka tie ir t\u0101di pa\u0161i apkr\u0101ptie k\u0101 vi\u0146a.)\u00a0<\/p>\n

\"Sarakst\u0113s<\/p>\n

Sarakst\u0113s saglab\u0101jusies vienas Marinas kontaktpersonas bilde. Visdr\u012bz\u0101k, vi\u0146a bija kr\u0101p\u0161anas upuris vai naudas m\u016blis, jo ar\u012b Marinai vien\u0101 no sarun\u0101m \u201cSwedbank darbiniece\u201d v\u0113l\u0101k pied\u0101v\u0101ja k\u013c\u016bt par bankas a\u0123enti, sa\u0146emt naudu un tad to p\u0101rs\u016bt\u012bt t\u0101l\u0101k. Foto: ekr\u0101nuz\u0146\u0113mums no sarakstes ar kr\u0101pnieci Jevg\u0113\u0146iju.<\/p>\n<\/p>\n

Tad \u0161\u0137ietami iest\u0101j\u0101s miers. Marina savus kred\u012btus it k\u0101 dz\u0113susi, darbu izmekl\u0113\u0161anas oper\u0101cij\u0101 pabeigusi. Tagad str\u0101d\u0101s policija.\u00a0<\/p>\n

“Policijas priek\u0161nieka” uzn\u0101ciens\u00a0<\/p>\n

P\u0113c m\u0113ne\u0161a pien\u0101ca pirmie pazi\u0146ojumi, ka j\u0101s\u0101k atmaks\u0101t kred\u012btus.\u00a0<\/p>\n

Marina sazin\u0101j\u0101s ar viltus bankas p\u0101rst\u0101vi un izmekl\u0113t\u0101ju. “Vi\u0146i teica: nesatraucies, viss ir k\u0101rt\u012bb\u0101. T\u0101 str\u0101d\u0101 sist\u0113ma. Pazi\u0146ojumus s\u016bta roboti. Viss paties\u012bb\u0101 ir nodz\u0113sts, vienk\u0101r\u0161i paies laiks, kam\u0113r sist\u0113ma atjaunosies.”\u00a0<\/p>\n

Sieviete turpin\u0101ja dz\u012bvot, ignor\u0113jot kred\u012btdev\u0113ju zi\u0146as.\u00a0<\/p>\n

\n

P\u0113c k\u0101rt\u0113jiem atg\u0101din\u0101jumiem reiz\u0113m piezag\u0101s doma, ka kaut kas nav t\u012brs, ta\u010du viltus policists un Jevg\u0113\u0146ija vienm\u0113r m\u0101c\u0113ja p\u0101rliecin\u0101t par pret\u0113jo.\u00a0<\/p>\n<\/blockquote>\n

“Kad jau biju sa\u0146\u0113musi vair\u0101kus atg\u0101din\u0101jumus sarkaniem burtiem, biju stres\u0101,” st\u0101sta Marina. “Sapsihojos un pras\u012bju: k\u0101p\u0113c nekas nenotiek? Varb\u016bt pa\u0161i esat kr\u0101pnieki? Sakiet taisn\u012bbu, k\u0101p\u0113c tie kred\u012bti nav aizv\u0113rti? K\u0101 tas var b\u016bt?”\u00a0<\/p>\n

\u0160aj\u0101 br\u012bd\u012b sarunai pievienoj\u0101s Valsts policijas priek\u0161nieks Armands Ruks. Vismaz t\u0101 Marinai \u0161\u0137ita. “Ruks” ats\u016bt\u012bja savas apliec\u012bbas foto, piezvan\u012bja un apstiprin\u0101ja, ka notiek izmekl\u0113\u0161ana un kred\u012bti ir dz\u0113sti. Lai Marinai maz\u0101k satraukuma par k\u013c\u016bdainaj\u0101m zi\u0146\u0101m no kred\u012btiest\u0101d\u0113m, esot j\u0101nomaina e-pasts un telefona numurs.\u00a0<\/p>\n

“P\u0113c tam iegugl\u0113ju Ruku, paklaus\u012bjos, balss bija \u013coti l\u012bdz\u012bga”.\u00a0<\/p>\n

Vi\u0146a paklaus\u012bja.\u00a0\u00a0<\/p>\n

Tad gan iest\u0101j\u0101s miers. Kred\u012btdev\u0113ji vi\u0146u vienk\u0101r\u0161i vairs nevar\u0113ja atrast.\u00a0<\/p>\n

\"Izdruk\u0101ta<\/p>\n

Izdruk\u0101ta Marinas un \u201cArmanda Ruka\u201d sarakste.<\/p>\n<\/p>\n

Zvana \u012bst\u0101 policija\u00a0<\/p>\n

Oktobr\u012b atkal zvan\u012bja policija. \u0160oreiz \u2013 \u012bst\u0101. Marinu aicin\u0101ja liecin\u0101t. Vi\u0146a nesaprata, k\u0101p\u0113c. Bet, ja policija aicina, tad j\u0101iet.\u00a0<\/p>\n

“Man jaut\u0101ja, vai paz\u012bstu sievieti v\u0101rd\u0101 Val\u0113rija, k\u0101p\u0113c vi\u0146a man s\u016bt\u012bja naudu un kur es to liku.” Neko \u013caunu nenojauzdama, vi\u0146a s\u0101ka skaidrot, k\u0101 pal\u012bdz\u0113ja bankai un policijai \u0137ert kr\u0101pniekus.\u00a0<\/p>\n

\n

Izr\u0101d\u012bj\u0101s, ka viena no sieviet\u0113m, kas Marinai p\u0101rskait\u012bja naudu, ir kr\u0101pnieku upuris un v\u0113rsusies policij\u0101. Bet Marina, pa\u0161ai neapj\u0113dzot, k\u013cuvusi par naudas m\u016bli.\u00a0<\/p>\n<\/blockquote>\n

“Atkl\u0101sme pien\u0101ca, kad policistam par\u0101d\u012bju to Armanda Ruku apliec\u012bbu, un vi\u0146\u0161 man pateica, ka viss ir slikti. Mani apkr\u0101pa, t\u0101da apliec\u012bba neeksist\u0113, neviens no policijas t\u0101 nesazin\u0101s.”\u00a0<\/p>\n

T\u0101 bija pirm\u0101 reize, kad Marina atsk\u0101rta, ka viss p\u0113d\u0113jais pusgads biju\u0161i meli \u2013 s\u0101kot ar pirmo “Google”\u00a0zvanu un beidzot ar slepeno oper\u0101ciju. Ja otra cietus\u012b neb\u016btu aizg\u0101jusi uz policiju, Marina turpin\u0101tu dz\u012bvot nezi\u0146\u0101.\u00a0<\/p>\n

“Kad sapratu, pirm\u0101 doma bija beigt savu dz\u012bvi. Man ar\u012b policists teica, lai pas\u0113\u017eu 20 min\u016btes mier\u012bgi un tikai tad laid\u012bs prom, lai neaizeju mesties uz slied\u0113m,” atz\u012bst Marina. Sekoja daudz stresa, asaras, emocion\u0101l\u0101s vesel\u012bbas pasliktin\u0101\u0161an\u0101s un bezcer\u012bba.\u00a0<\/p>\n

Tom\u0113r ar tuvinieku atbalstu vi\u0146a sav\u0101ca pier\u0101d\u012bjumus un v\u0113rs\u0101s policij\u0101. T\u0101 2023. gada oktobr\u012b s\u0101ka krimin\u0101lprocesu, kuru izmekl\u0113 jau divus gadus.\u00a0<\/p>\n

Nepareizais jaut\u0101jums\u00a0<\/p>\n

Ja \u0161ai st\u0101st\u0101 esat tiku\u0161i tik t\u0101lu, noteikti esat p\u0101ris rei\u017eu iesauku\u0161ies \u2013 k\u0101 cilv\u0113ks var b\u016bt tik naivs? Tic\u0113t, ka par ielau\u0161anos sist\u0113m\u0101s “Google”\u00a0zvana uz Latvijas numuriem? Ka bankas kred\u012btus dz\u0113\u0161, ja cilv\u0113ks tos noform\u0113 divreiz? Ka atdo\u0161ana notiek, p\u0101rskaitot uz kontiem Ukrain\u0101? Galu gal\u0101, ka Valsts policijas priek\u0161nieks ar iedz\u012bvot\u0101jiem person\u012bgi sazin\u0101s “Telegram”?\u00a0<\/p>\n

Tagad Marina redz, cik mu\u013c\u0137\u012bgi viss izskat\u0101s, bet tolaik kr\u0101pnieki vi\u0146u bija iedzinu\u0161i tik liel\u0101 trauksm\u0113, ka nesp\u0113ja lo\u0123iski padom\u0101t. Vi\u0146iem ar\u012b paveic\u0101s sievieti no\u0137ert smag\u0101 dz\u012bves br\u012bd\u012b.\u00a0<\/p>\n

Marinas gad\u012bjums r\u0101da, cik \u0161\u012b sh\u0113ma ir psiholo\u0123iski labi izstr\u0101d\u0101ta. Cilv\u0113ku izol\u0113 un prasa darboties slepen\u012bb\u0101, nekonsult\u0113joties ar nevienu tuvu cilv\u0113ku. Tikl\u012bdz par\u0101d\u0101s \u0161aubas, zvana autorit\u0101te (viltus policists). Vi\u0146u neliek mier\u0101 ne mirkli.\u00a0<\/p>\n

\n

Zvanu un \u012bszi\u0146u v\u0113sture, kas ir “Re:Baltica”\u00a0r\u012bc\u012bb\u0101, liecina, ka div\u0101s ned\u0113\u013c\u0101s vi\u0146ai nos\u016bt\u012bja 1696 zi\u0146ojumus un zvan\u012bja 57 reizes.\u00a0<\/p>\n<\/blockquote>\n

Marina atskait\u0101s par katru soli: ka dodas uz banku, ka iet iek\u0161\u0101, ko saka darbinieki. Agres\u012bv\u0101 un uzst\u0101j\u012bg\u0101 komunik\u0101cija bija paraliz\u0113jusi vi\u0146as pa\u0161kontroli un sp\u0113ju kaut ko analiz\u0113t.\u00a0<\/p>\n

Ta\u010du \u0161aj\u0101 st\u0101st\u0101 ir v\u0113l viens b\u016btisks jaut\u0101jums.\u00a0<\/p>\n

K\u0101 cilv\u0113ks, kur\u0161 m\u0113nes\u012b sa\u0146em 890 eiro, p\u0101ris dien\u0101s var aiz\u0146emties 44 662 eiro? P\u0113c daudzajiem likumu labojumiem, kuru m\u0113r\u0137is it k\u0101 bija ne\u013caut aug\u013cot\u0101jiem peln\u012bt uz finansi\u0101li neizgl\u012btotu vai nelaim\u012bgu cilv\u0113ku r\u0113\u0137ina, kuru atdotsp\u0113ja it k\u0101 ir j\u0101p\u0101rbauda?\u00a0<\/p>\n

\u012as\u0101 atbilde \u2013 tam t\u0101 nevajadz\u0113ja notikt.\u00a0<\/p>\n

Bet notika.\u00a0<\/p>\n

Ko main\u012bt?\u00a0<\/p>\n

“T\u0101 nav norm\u0101la situ\u0101cija,” saka Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) p\u0101rst\u0101ve Margarita Brovacka. \u0160\u012b iest\u0101de uzrauga \u0101tro kred\u012btu izsniedz\u0113jus.\u00a0<\/p>\n

Likums prasa, lai kred\u012btiest\u0101des pirms t\u0101 izsnieg\u0161anas p\u0101rliecin\u0101s, vai cilv\u0113ks var\u0113s to atmaks\u0101t. Proti, vai vi\u0146a ien\u0101kumi un saist\u012bbas \u013cauj uz\u0146emties v\u0113l vienu par\u0101du. Marina to ac\u012bmredzami nevar\u0113ja.\u00a0<\/p>\n

\"PTAC<\/p>\n

PTAC izstr\u0101d\u0101jis kalkulatoru, kur var p\u0101rliecin\u0101ties, cik cilv\u0113ks var m\u0113nes\u012b atv\u0113l\u0113t kred\u012btu atmaksai. Marina var\u0113tu tre\u0161da\u013cu algas. Par vi\u0146ai maij\u0101 izsniegtajiem kred\u012btiem j\u0101maks\u0101 ne vien krietni virs t\u0101, cik var at\u013cauties, bet pat vair\u0101k nek\u0101 nopelna. Avots: PTAC maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anas kalkulators<\/p>\n<\/p>\n

Brovacka min, ka, visticam\u0101k, kred\u012btdev\u0113ji nezin\u0101ja par p\u0101r\u0113jiem aiz\u0146\u0113mumiem. Likums prasa inform\u0101ciju par jauniem aizdevumiem kred\u012btinform\u0101cijas birojiem nos\u016bt\u012bt 10 darba dien\u0101s. Marina kred\u012btu bl\u0101\u0137i noform\u0113ja piec\u0101s.\u00a0<\/p>\n

\n

PTAC vair\u0101kk\u0101rt rosin\u0101jis \u0161o termi\u0146u sa\u012bsin\u0101t, bet aizdev\u0113ji iebilst, jo tas vi\u0146iem pras\u012b\u0161ot p\u0101r\u0101k daudz resursu.\u00a0<\/p>\n<\/blockquote>\n

PTAC nesaka, cik cilv\u0113ku kav\u0113 maks\u0101jumus \u0101trajiem kred\u012btiem \u2013 tas esot komercnosl\u0113pums. Vien\u012bgais, ko var atkl\u0101t \u2013 p\u0113rn\u0101 gada beig\u0101s tika kav\u0113ti 13,48% no visu \u0101tro kred\u012btu izsniegto aizdevumu summas. Tie ir\u00a063 miljoni eiro.\u00a0<\/p>\n

T\u0101tad “uz pap\u012bra” viss k\u0101rt\u012bb\u0101. Dot naudu tiem, kuri nevar atmaks\u0101t, nedr\u012bkst. Bet realit\u0101t\u0113 \u2014 var, ja vien to izdara pietiekami \u0101tri. Par finan\u0161u jaut\u0101jumiem atbild\u012bg\u0101s Saeimas komisijas vad\u012bt\u0101ja Anda \u010cak\u0161a (“Jaun\u0101 Vienot\u012bba”) “Re:Baltica”\u00a0atzina, ka \u0161ai jaut\u0101jum\u0101 iepriek\u0161 nebija\u00a0iedzi\u013cin\u0101jusies. “J\u0101skat\u0101s un j\u0101v\u0113rt\u0113. Ja tas tie\u0161\u0101m rada \u0161\u0101dus riskus, tad noteikti kaut kas ir j\u0101dara,” vi\u0146a saka.\u00a0<\/p>\n

\"\"\/<\/p>\n

Otrs iesp\u0113jamais scen\u0101rijs \u2013 kred\u012btdev\u0113ji nepietiekami izv\u0113rt\u0113ja Marinas maks\u0101tsp\u0113ju. To m\u0113s nezin\u0101m \u2013 jaut\u0101jumu vi\u0146a v\u0113l skaidro ar aizdev\u0113jiem.\u00a0<\/p>\n

PTAC \u0161\u0101 gada s\u0101kum\u0101\u00a0sod\u012bja\u00a04Finance<\/a>\u00a0(SMScredit.lv, Ondo.lv un Vivus.lv),\u00a0jo vi\u0146i izsniedza kred\u012btus, balstoties viena kred\u012btinform\u0101cijas biroja datos. B\u016btu apskat\u012bju\u0161i divus \u2013 k\u0101 paredz likums \u2013 zin\u0101tu, ka naudu dot nevar.\u00a0<\/p>\n

Ja sist\u0113ma, kurai j\u0101pasarg\u0101 no nepanesama par\u0101du j\u016bga, b\u016btu nostr\u0101d\u0101jusi, p\u0113c pirmajiem 2\u20133\u00a0kred\u012btiem sekotu atteikumi. Tad Marinas par\u0101ds b\u016btu p\u0101ris t\u016bksto\u0161i, nevis vair\u0101ki desmiti.\u00a0<\/p>\n

Tikai upura vaina?<\/p>\n

Ja neizdodas atrast vain\u012bgos, Latvij\u0101 atbild\u012bba par zaud\u0113tajiem l\u012bdzek\u013ciem telefonkr\u0101pnieku sh\u0113m\u0101s gulstas uz pa\u0161iem upuriem.\u00a0<\/p>\n

Visur t\u0101 nav.\u00a0<\/p>\n

Lielbrit\u0101nij\u0101 likumdev\u0113js atzina, ka nevar vainot tikai upuri, jo kr\u0101p\u0161anas sh\u0113mas ir \u013coti komplic\u0113tas. Tur\u00a0p\u0113rn pie\u0146\u0113ma likumu<\/a>, kas uzdod bank\u0101m kompens\u0113t da\u013cu zaud\u0113t\u0101, ja vien cilv\u0113ks pats nav r\u012bkojies klaji nolaid\u012bgi. Griesti ir ap 72 000 eiro (s\u0101kum\u0101 grib\u0113ja noteikt pusmiljona griestus, bet tam iebilda finan\u0161u nozares lobijs).<\/p>\n

Naudu cilv\u0113kam atmaks\u0101 banka, caur kuru vi\u0146\u0161 to nos\u016bt\u012bja. Bet p\u0113c tam t\u0101 var pusi atpras\u012bt no otr\u0101s bankas, kur\u0101 kr\u0101pnieki naudu sa\u0146\u0113ma.\u00a0 J\u0101atz\u012bm\u0113, ka \u0161is regul\u0113jums nepasarg\u0101 visus kr\u0101p\u0161anas upurus. Ir j\u0101izpild\u0101s daudziem nosac\u012bjumiem, lai zaud\u0113to kompens\u0113tu \u2013 nauda p\u0101rskait\u012bta caur bank\u0101m, p\u0101rskait\u012bjums nav starptautisks, cilv\u0113ks pats bijis pietiekami uzman\u012bgs u.c. Marinas gad\u012bjum\u0101 \u0161is, visdr\u012bz\u0101k, nel\u012bdz\u0113tu.<\/p>\n

Latvijas Finan\u0161u nozares asoci\u0101cijas padomnieks Edgars Pastars saka, ka ar\u012b Latvij\u0101 da\u017ereiz bankas par\u0101du norakstot. “Bet \u013coti svar\u012bgi, k\u0101da ir kr\u0101p\u0161anas anatomija. Piem\u0113ram, ja t\u0101 ir t\u0101da klasiska identit\u0101tes z\u0101dz\u012bba, kur klients tie\u0161\u0101m pats to nav dar\u012bjis, tad, protams, banka \u0161o aizdevumu norakst\u012bs,” vi\u0146\u0161 paskaidro. “Banka ar\u012b v\u0113rt\u0113, cik klients sp\u0113j saprast, ko vi\u0146\u0161 dar\u012bja. Nu, piem\u0113ram, ja t\u0101 kr\u0101p\u0161anas metode ir bijusi \u0101rk\u0101rt\u012bgi komplic\u0113ta, t\u0101da, ka klients tie\u0161\u0101m objekt\u012bvi nevar\u0113ja saprast, ko vi\u0146\u0161 dara. J\u0101, tad banka var n\u0101kt pret\u012b. Cik liela bija klienta t\u0101 saucam\u0101 rupj\u0101 neuzman\u012bba. Ja vi\u0146\u0161 vienk\u0101r\u0161i pa\u0146\u0113ma kred\u012btu un, es nezinu, ielika naudu pakom\u0101t\u0101, nu, atvainojos, bet ko es tev varu pal\u012bdz\u0113t?”\u00a0<\/p>\n

Marinas liet\u0101, p\u0113c vi\u0146a dom\u0101m, esot pa\u0161as vaina. “Pats to kred\u012btu pa\u0146\u0113mi. (..) Kur tu to izlieto, t\u0101 jau ir tava atbild\u012bba.” (Marina kred\u012btus neizmantoja person\u012bg\u0101m vajadz\u012bb\u0101m, bet visu atdeva kr\u0101pniekiem).<\/p>\n

\"Liel\u0101k\u0101<\/p>\n

Liel\u0101k\u0101 da\u013ca atbild\u012bg\u0101s Saeimas komisijas deput\u0101tu piekr\u012bt, ka j\u0101sa\u012bsina laiks, kur\u0101 kred\u012btinform\u0101cijas biroji sa\u0146em inform\u0101ciju. T\u0101pat ar\u012b atbild\u012bba esot j\u0101dala. Ta\u010du neviens nevar\u0113ja pateikt, ko re\u0101li pl\u0101no dar\u012bt. Tikai deput\u0101ts Putra sol\u012bj\u0101s, ka jau dr\u012bz run\u0101\u0161ot par \u0161o komisij\u0101.<\/p>\n<\/p>\n

P\u0113c Pastara teikt\u0101, Latvij\u0101 ieviest Lielbrit\u0101nijai l\u012bdz\u012bgu praksi ar banku l\u012bdzatbild\u012bbu neb\u016b\u0161ot efekt\u012bvi, jo kr\u0101pniec\u012bba ir p\u0101rrobe\u017eu.\u00a0<\/p>\n

\n

Ta\u010du Eiropas Savien\u012bba \u0161obr\u012bd str\u0101d\u0101jot pie vienota regul\u0113juma, taj\u0101 skait\u0101 kr\u0101p\u0161anas upuru kompens\u0101cijas meh\u0101nisma.\u00a0<\/p>\n<\/blockquote>\n

\u0160\u0101 br\u012bza ierobe\u017eojumi \u0101tro kred\u012btu \u0146em\u0161anai:\u00a0<\/p>\n

    \n
  • kred\u012btdev\u0113jam j\u0101izv\u0113rt\u0113 cilv\u0113ka maks\u0101tsp\u0113ja, tostarp p\u0101rbaudot inform\u0101ciju divos kred\u012btinform\u0101cijas birojos;<\/li>\n
  • aizliegts sl\u0113gt l\u012bgumus laik\u0101 no pulksten 23.00 l\u012bdz 7.00;<\/li>\n
  • aizliegtas pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas;<\/li>\n
  • regul\u0101ras kred\u012btdev\u0113ju p\u0101rbaudes.\u00a0<\/li>\n<\/ul>\n

    Pie izplat\u012bt\u0101kajiem p\u0101rk\u0101pumiem, kas var\u0113tu novest pie p\u0101rm\u0113r\u012bgas aiz\u0146em\u0161an\u0101s, ir datu neieg\u016b\u0161ana no abiem kred\u012btinform\u0101cijas birojiem.\u00a0<\/p>\n

    Avots: PTAC<\/p>\n

    Latvijas Bank\u0101 (LB)\u00a0“Re:Baltica”\u00a0nor\u0101d\u012bja, ka banku atbild\u012bba topo\u0161aj\u0101 direkt\u012bv\u0101 paredz\u0113ta l\u012bdz\u012bga k\u0101 Apvienot\u0101s Karalistes piem\u0113r\u0101. “Visi (..) \u0161obr\u012bd atbalsta atbild\u012bbas noteik\u0161anu maks\u0101t\u0101ja bankai gad\u012bjum\u0101, ja kr\u0101pnieks ir izlicies par bankas darbinieku un t\u0101 rezult\u0101t\u0101 klients zaud\u0113jis naudu, ja vien klients nav r\u012bkojies prettiesiski ar \u013caunu nol\u016bku vai rupjas neuzman\u012bbas d\u0113\u013c nav pild\u012bjis tam noteiktos pien\u0101kumus. Bankas atbild\u012bba izpaustos k\u0101 pien\u0101kums atgriezt zaud\u0113tos naudas l\u012bdzek\u013cus cietu\u0161ajam klientam,” st\u0101sta bankas p\u0101rst\u0101vis J\u0101nis Silakalns.\u00a0<\/p>\n

    LB ar\u012b atz\u012bst, ka sarunas par termi\u0146u sa\u012bsin\u0101\u0161anu ir biju\u0161as, bet nebanku kredit\u0113t\u0101ji iebilda. “M\u016bsupr\u0101t, \u0161is gad\u012bjums apstiprina pamatot\u012bbu priek\u0161likumam uztic\u0113t Latvijas Bankai visa veida kred\u012btdev\u0113ju uzraudz\u012bbu, ar\u012b nebanku kredit\u0113\u0161anas jom\u0101, jo pa\u0161laik regul\u0113jums bank\u0101m un nebanku kredit\u0113t\u0101jiem ir at\u0161\u0137ir\u012bgs,” nor\u0101da Silakalns.\u00a0<\/p>\n

    \n

    P\u0113c LB dom\u0101m, Marinas gad\u012bjum\u0101 gan ar\u012b sa\u012bsin\u0101ts termi\u0146\u0161 nel\u012bdz\u0113tu, ja vien tas netiktu no\u012bsin\u0101ts l\u012bdz p\u0101ris min\u016bt\u0113m \u0161\u0101 br\u012b\u017ea desmit dienu viet\u0101, jo pirmajiem kred\u012btiem vi\u0146a pieteic\u0101s bez liel\u0101m pauz\u0113m.\u00a0<\/p>\n<\/blockquote>\n

    LB sola, ka t\u0101s eksperti par \u0161o gad\u012bjumu run\u0101s darba grup\u0101, kur\u0101 mekl\u0113 risin\u0101jumus c\u012b\u0146ai ar kr\u0101pniekiem. “Tostarp m\u0113s atk\u0101rtoti aicin\u0101sim apsv\u0113rt gan min\u0113t\u0101 termi\u0146a sa\u012bsin\u0101\u0161anu, gan ieviest, piem\u0113ram, atz\u012bmi pie klienta, ka vi\u0146\u0161 ir v\u0113rsies ar aizdevuma piepras\u012bjumu, kas ir izskat\u012b\u0161anas stadij\u0101,” saka Silakalns.\u00a0<\/p>\n

    Vi\u0146\u0161 gan uzsver \u2013 no katras situ\u0101cijas pasarg\u0101t nevar, kr\u0101pnieki visu laiku izdom\u0101 jaunus veidus. Pamata probl\u0113ma esot nepietiekam\u0101 finan\u0161u prat\u012bba un kritisk\u0101s dom\u0101\u0161anas tr\u016bkums.\u00a0<\/p>\n

    Kas b\u016bs ar Marinu?\u00a0<\/p>\n

    Ja policija notvers kr\u0101pniekus, naudu var\u0113s piedz\u012bt no vi\u0146iem. Ta\u010du praks\u0113 policija \u0161\u012bs lietas atkl\u0101j reti, jo \u0137\u0113des ir sare\u017e\u0123\u012btas un \u0101rzemju galam gr\u016bti piek\u013c\u016bt.\u00a0<\/p>\n

    \u0160obr\u012bd visi aizdev\u0113ji (iz\u0146emot\u00a0“BigBank”) Marinas krimin\u0101lproces\u0101 piekrita pieteikties k\u0101 cietu\u0161ie un aizdevumus iesald\u0113ja. Tas noz\u012bm\u0113, ka pagaid\u0101m vi\u0146ai nauda nav j\u0101atmaks\u0101 un nekr\u0101jas kav\u0113juma procenti.\u00a0<\/p>\n

    Policija lietu nekoment\u0113, jo izmekl\u0113\u0161ana turpin\u0101s.\u00a0<\/p>\n

    \n

    T\u0101 var ilgt pat 15 gadu, kad iest\u0101jas noilgums. Ja secina, ka izdar\u012bju\u0161i visu, ko var\u0113ja, bet vain\u012bgo t\u0101pat nenotvers, var izbeigt \u0101tr\u0101k.\u00a0<\/p>\n<\/blockquote>\n

    Un tad Marinai b\u016bs par\u0101di j\u0101atdod. Kop\u0101 ar procentiem un apkalpo\u0161anas maks\u0101m tie jau ir 78 000 eiro.\u00a0<\/p>\n

    T\u0101das naudas vi\u0146ai nav. Pl\u0101na, k\u0101 izkulties, ar\u012b ne.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Marinas gad\u012bjums paral\u0113li kr\u0101p\u0161anas sh\u0113mai ar\u012b par\u0101da, ka \u0101tro kred\u012btu dev\u0113ji turpina peln\u012bt no cilv\u0113kiem, kuriem nedr\u012bkst aizdot.…\n","protected":false},"author":2,"featured_media":28970,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,40,20,26,27,24,25,21],"class_list":{"0":"post-28969","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-headlines","14":"tag-latest-news","15":"tag-latestnews","16":"tag-latvia","17":"tag-latvian","18":"tag-latviesu","19":"tag-latviesu-valoda","20":"tag-latviesuvaloda","21":"tag-latvija","22":"tag-lv","23":"tag-news","24":"tag-popularakas-zinas","25":"tag-popularakaszinas","26":"tag-top-stories","27":"tag-topstories","28":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115422654934002319","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/28969","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=28969"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/28969\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/28970"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=28969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=28969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=28969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}