PTAC soda AS “West Kredit” par p\u0101rk\u0101pumiem kred\u012btu izsnieg\u0161an\u0101<\/p>\n
Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs (PTAC) ir piem\u0113rojis AS “West Kredit” 50 000 eiro lielu naudas sodu par b\u016btiskiem p\u0101rk\u0101pumiem, izsniedzot aizdevumus ar nekustam\u0101 \u012bpa\u0161uma \u0137\u012blu. K\u0101 zi\u0146o av\u012bze Diena, PTAC konstat\u0113jis, ka uz\u0146\u0113mums nepietiekami izv\u0113rt\u0113jis klientu maks\u0101tsp\u0113ju, t\u0101d\u0113j\u0101di \u012bstenojot negod\u012bgu komercpraksi. \u0160is l\u0113mums uzsver nepiecie\u0161am\u012bbu finan\u0161u iest\u0101d\u0113m stingri iev\u0113rot profesion\u0101l\u0101s r\u016bp\u012bbas principus, lai pasarg\u0101tu pat\u0113r\u0113t\u0101jus no p\u0101rm\u0113r\u012bg\u0101m finansi\u0101l\u0101m saist\u012bb\u0101m.<\/p>\n
Detaliz\u0113ts p\u0101rk\u0101pumu anal\u012bze<\/p>\n
PTAC veikt\u0101 kl\u0101tienes p\u0101rbaude atkl\u0101ja vair\u0101kus b\u016btiskus tr\u016bkumus AS “West Kredit” kred\u012btu izsnieg\u0161anas proces\u0101. Pirmk\u0101rt, uz\u0146\u0113mums nav ieguvis datus par pat\u0113r\u0113t\u0101ju saist\u012bb\u0101m no abu Latvijas kred\u012btinform\u0101cijas birojiem, aprobe\u017eojoties tikai ar viena biroja \u2013 AS “Crefo birojs” \u2013 sniegto inform\u0101ciju. Otrk\u0101rt, netika r\u016bp\u012bgi analiz\u0113ti banku kontu p\u0101rskati, kas ir b\u016btiski, lai pilnv\u0113rt\u012bgi izprastu eso\u0161\u0101s finan\u0161u saist\u012bbas. Tre\u0161k\u0101rt, ne vis\u0101s kred\u012btliet\u0101s tika p\u0101rbaud\u012bts, vai pirms jauna aizdevuma izsnieg\u0161anas ir atmaks\u0101tas vai refinans\u0113tas iepriek\u0161\u0113j\u0101s saist\u012bbas, un vai izsniegt\u0101 nauda tika novirz\u012bta \u0161o saist\u012bbu dz\u0113\u0161anai. Ceturtk\u0101rt, tika konstat\u0113ta nepareiza galvot\u0101ju statusa interpret\u0101cija. Kopum\u0101 \u0161\u012bs nepiln\u012bbas noz\u012bm\u0113, ka uz\u0146\u0113mums nav ieguvis pietiekamu un visaptvero\u0161u inform\u0101ciju par klientu un galvot\u0101ju finan\u0161u st\u0101vokli un sp\u0113ju izpild\u012bt saist\u012bbas, t\u0101d\u0113j\u0101di p\u0101rk\u0101pjot normat\u012bvajos aktos noteikto pien\u0101kumu veikt atbilsto\u0161u maks\u0101tsp\u0113jas izv\u0113rt\u0113\u0161anu.<\/p>\n
Potenci\u0101lais kait\u0113jums pat\u0113r\u0113t\u0101jiem un soda apm\u0113rs<\/p>\n
Saska\u0146\u0101 ar PTAC apr\u0113\u0137inu metodiku, konstat\u0113tie p\u0101rk\u0101pumi laika posm\u0101 no 2021. gada 1. janv\u0101ra l\u012bdz 2023. gada 31. decembrim var\u0113tu b\u016bt rad\u012bju\u0161i kait\u0113jumu pat\u0113r\u0113t\u0101jiem, kura apm\u0113rs tiek l\u0113sts no 315 631 eiro l\u012bdz pat 3,156 miljoniem eiro. Lai gan uz\u0146\u0113mums ir sadarbojies ar PTAC, ieviesis rekomend\u0101cijas un uzs\u0101cis datu piepras\u012b\u0161anu no abiem kred\u012btinform\u0101cijas birojiem, PTAC, \u0146emot v\u0113r\u0101 p\u0101rk\u0101puma b\u016btiskumu, ir piem\u0113rojis 50 000 eiro lielu sodu. PTAC uzsver, ka finan\u0161u un kredit\u0113\u0161anas nozar\u0113 str\u0101d\u0101jo\u0161iem komersantiem j\u0101iev\u0113ro paaugstin\u0101ta atbild\u012bba pret pat\u0113r\u0113t\u0101jiem, r\u012bkojoties godpr\u0101t\u012bgi, caurskat\u0101mi un izv\u0113rt\u0113jot aizdevuma atmaksas sp\u0113jas.<\/p>\n
West Kredit darb\u012bbas v\u0113sture un konteksts<\/p>\n
AS “West Kredit” ir Latvij\u0101 re\u0123istr\u0113ta \u0101rpusbanku hipotek\u0101r\u0101s kredit\u0113\u0161anas komp\u0101nija, kas darbojas kop\u0161 1994. gada. T\u0101 pied\u0101v\u0101 kred\u012btus priv\u0101tperson\u0101m un uz\u0146\u0113mumiem, galvenok\u0101rt hipotek\u0101r\u0101s kredit\u0113\u0161anas jom\u0101. Uz\u0146\u0113mums ir viens no liel\u0101kajiem \u0161\u012bs nozares dal\u012bbniekiem Latvij\u0101. P\u0113rn “West Kredit” apgroz\u012bjums sasniedza 7,764 miljonus eiro, savuk\u0101rt pe\u013c\u0146a bija 2,347 miljoni eiro. \u0160\u0101da veida uzraudz\u012bba un sankcijas no PTAC puses ir svar\u012bgas, lai nodro\u0161in\u0101tu god\u012bgu konkurenci un aizsarg\u0101tu pat\u0113r\u0113t\u0101ju intereses finan\u0161u pakalpojumu tirg\u016b.<\/p>\n
PTAC un pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bba<\/p>\n
Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs (PTAC) ir valsts iest\u0101de, kas uzrauga un aizsarg\u0101 pat\u0113r\u0113t\u0101ju ties\u012bbas Latvij\u0101. T\u0101 veic tirgus uzraudz\u012bbu, pie\u0146em l\u0113mumus par negod\u012bgu komercpraksi un piem\u0113ro sankcijas. PTAC l\u0113mumiem ir oblig\u0101ts raksturs un tos var p\u0101rs\u016bdz\u0113t ties\u0101. Gad\u012bjumos, kad rodas str\u012bdi starp pat\u0113r\u0113t\u0101ju un komersantu, PTAC ar\u012b sniedz konsult\u0101cijas un pal\u012bdz risin\u0101t domstarp\u012bbas, lai nodro\u0161in\u0101tu, ka komersanti iev\u0113ro likumdo\u0161anu un pat\u0113r\u0113t\u0101ju ties\u012bbas tiek pilnv\u0113rt\u012bgi aizst\u0101v\u0113tas. PTAC atg\u0101dina, ka pat\u0113r\u0113t\u0101jiem ir j\u0101aiz\u0146emas atbild\u012bgi un j\u0101sniedz kred\u012btdev\u0113jam patiesa inform\u0101cija par saviem ien\u0101kumiem un saist\u012bb\u0101m.<\/p>\n","protected":false},"excerpt":{"rendered":"PTAC soda AS “West Kredit” par p\u0101rk\u0101pumiem kred\u012btu izsnieg\u0161an\u0101 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs (PTAC) ir piem\u0113rojis AS “West…\n","protected":false},"author":2,"featured_media":87874,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,40,22363,348,20,15726,26,27,4211,24,25,22362,21],"class_list":{"0":"post-87873","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-maksatspejas-izvertesana","24":"tag-naudas-sods","25":"tag-news","26":"tag-pateretaju-tiesibas","27":"tag-popularakas-zinas","28":"tag-popularakaszinas","29":"tag-ptac","30":"tag-top-stories","31":"tag-topstories","32":"tag-west-kredit","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115794802292502733","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/87873","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=87873"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/87873\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/87874"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=87873"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=87873"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=87873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}