{"id":5817,"date":"2017-08-18T09:59:40","date_gmt":"2017-08-18T07:59:40","guid":{"rendered":"http:\/\/pmr-restrukturyzacje.local\/pmr\/dlugi-ktorych-moglo-nie-byc\/"},"modified":"2025-01-31T18:04:17","modified_gmt":"2025-01-31T18:04:17","slug":"debts-that-might-not-have-been","status":"publish","type":"post","link":"https:\/\/pmrsa.pl\/en\/debts-that-might-not-have-been\/","title":{"rendered":"Debts that might not have been there"},"content":{"rendered":"

Beware of debt collectors who demand repayment of old debts - claims may be unfounded. But the debt collector seizes the account on the basis of a judgment.<\/p>\n

- A fortnight ago a bailiff seized my husband's account because he allegedly rode a bus without a ticket in 2010 and did not pay a ticket,\" says Mrs Maria from Bydgoszcz.<\/p>\n

He wasn't riding a stowaway<\/b><\/p>\n

\n- The problem is that he does not remember such a situation at all. He insists that he wasn't driving. He is a pensioner, has a heart condition and is not in the habit of walking away from home by himself. Besides: how can someone with a first group disability be fined? After all, he has the right to travel without a ticket. Before, no one informed us that there was a debt, and only after seven years? Now 500 zloty has disappeared from the account, which is a lot of money for us,' a woman from Bydgoszcz is upset.\n<\/div>\n

A bailiff seizes an account on the basis of a court judgment. - In this situation, you need to file an objection to the payment order at the court's registry office, advises bailiff Robert Damski. - In your objection you should state the title of the judgment and argue that your husband was not properly summoned to pay the debt, which may not have arisen at all. As evidence, it is worth attaching the decision of the Social Insurance Institution (ZUS) on the granting of the pension and the rules and regulations of MZK travel, from which it follows that the pensioner is exempt from payment.<\/p>\n

It is worth adding that such a passenger must travel with a certificate confirming his or her disability in order to be able to present it at the check. Failure to do so will result in a fine.<\/p>\n

Mrs. Maria's husband received a letter from the bailiff, but other readers say that they receive demands for payment debts from years ago also from companies<\/a> debt collection.<\/p>\n

- I really don't want to believe that I didn't pay my phone bill in 2012,\" argues Piotr from Janikowo. - I usually pay my liabilities. The debt collection company claims otherwise and after years suddenly makes me pay PLN 1,200. I do not agree with this.\n<\/div>\n

They will help on the hotline<\/b><\/p>\n

If you receive such a demand for payment, you must request in writing that the debt collection company explains under which contract it is asserting its claim. If it is unwilling to do so, you can ask the municipal consumer ombudsman for assistance. The ombudsman will apply to the creditor on your behalf for a copy of this contract.<\/p>\n

If it turns out that the signature under the contract does not match that of the debtor, the matter should be reported to the police, as this means that someone has used our personal details to take on a debt.<\/p>\n

\n- If a debt collection company takes such a case to court, it is essential to defend and challenge its position - suggests Ma\u0142gorzata Anisimowicz of PMR Restrukturyzacje law firm - otherwise, we may end up with a judgment, obviously wrong, becoming final against us. Challenging it later is often very difficult, if not impossible.\n<\/div>\n

If someone was once a client of a company with which he or she is allegedly indebted, he or she should check whether the claim is time-barred - in which case the debt cannot be claimed in court.<\/p>\n

\nThe material appeared in the Gazeta Pomorska:
\n<\/b>
\n18 August 2017:
\n\" Debts that might not have been there<\/a>\n<\/div>","protected":false},"excerpt":{"rendered":"

Uwaga na windykator\u00f3w, kt\u00f3rzy \u017c\u0105daj\u0105 sp\u0142aty starych d\u0142ug\u00f3w – roszczenia mog\u0105 by\u0107 nieuzasadnione. Ale komornik zajmuje konto na podstawie wyroku. – Dwa tygodnie temu komornik zaj\u0105\u0142 konto mojemu m\u0119\u017cowi, bo rzekomo w 2010 roku jecha\u0142 autobusem bez biletu i nie zap\u0142aci\u0142 mandatu – opowiada pani Maria z Bydgoszczy. Nie jecha\u0142 na gap\u0119 – Problem w tym, \u017ce on w og\u00f3le nie pami\u0119ta takiej sytuacji. Upiera si\u0119, \u017c\u0119 nie jecha\u0142 na gap\u0119. Jest rencist\u0105, choruje na serce i nie ma zwyczaju, by samemu oddala\u0107 si\u0119 od domu. Poza tym: jak mo\u017cna ukara\u0107 mandatem osob\u0119 z pierwsz\u0105 grup\u0105 inwalidzk\u0105? Przecie\u017c ma prawo podr\u00f3\u017cowa\u0107 bez biletu. Wcze\u015bniej nikt nas nie informowa\u0142, \u017ce istnieje d\u0142ug, a dopiero po siedmiu latach? Teraz z konta znikn\u0119\u0142o 500 z\u0142, dla nas to bardzo du\u017co pieni\u0119dzy – denerwuje si\u0119 bydgoszczanka. Komornik zajmuje konto na podstawie wyroku s\u0105dowego. – W tej sytuacji trzeba z\u0142o\u017cy\u0107 w biurze podawczym s\u0105du sprzeciw od nakazu zap\u0142aty – radzi komornik Robert Damski. – W sprzeciwie nale\u017cy poda\u0107 tytu\u0142 wyroku i podnie\u015b\u0107, \u017ce m\u0105\u017c nie by\u0142 prawid\u0142owo wezwany do zap\u0142aty d\u0142ugu, kt\u00f3ry m\u00f3g\u0142 w og\u00f3le nie powsta\u0107. Jako dow\u00f3d warto za\u0142\u0105czy\u0107 decyzj\u0119 ZUS o przyznaniu renty i regulamin przejazd\u00f3w MZK, z kt\u00f3rego wynika, \u017ce rencista jest zwolniony z op\u0142at. Warto doda\u0107, \u017ce taki pasa\u017cer musi podr\u00f3\u017cowa\u0107 z za\u015bwiadczeniem potwierdzaj\u0105cym jego inwalidztwo, by m\u00f3c przedstawi\u0107 je podczas kontroli. W przeciwnym razie grozi mandat. M\u0105\u017c Pani Marii dosta\u0142 pismo od komornika, ale inny czytelnicy opowiadaj\u0105, ze otrzymuj\u0105 wezwania do zap\u0142aty d\u0142ug\u00f3w sprzed lat tak\u017ce z firm windykacyjnych. – Naprawd\u0119 nie chce mi si\u0119 wierzy\u0107, \u017ce w 2012 nie zap\u0142aci\u0142em rachunku za telefon – przekonuje pan Piotr z Janikowa. – zwykle reguluje swoje zobowi\u0105zania. Firma windykacyjna twierdzi inaczej i po latach nagle ka\u017ce mi zap\u0142aci\u0107 1200 z\u0142. Nie zgadzam si\u0119 z tym. Pomog\u0105 na infolinii Je\u015bli dostaniemy takie wezwanie do zap\u0142aty, trzeba na pi\u015bmie za\u017c\u0105da\u0107 od firmy windykacyjnej wyja\u015bnie\u0144, na podstawie jakiej umowy dochodzi roszcze\u0144. Je\u015bli nie chce tego zrobi\u0107, mo\u017cna zwr\u00f3ci\u0107 si\u0119 z pro\u015bb\u0105 o pomoc do miejskiego rzecznika konsument\u00f3w. W imieniu klienta wyst\u0105pi on do wierzyciela o udost\u0119pnienie kopii tej umowy. Gdyby okaza\u0142o si\u0119, \u017ce podpis pod umow\u0105 nie zgadza si\u0119 z podpisem d\u0142u\u017cnika, nale\u017cy zg\u0142osi\u0107 spraw\u0119 policji, bo oznacza to, \u017ce kto\u015b wykorzysta\u0142 nasze dane osobowe do zaci\u0105gni\u0119cia zobowi\u0105zania. – Je\u017celi firma windykacyjna skieruje tak\u0105 spraw\u0119 do s\u0105du, nale\u017cy koniecznie podj\u0105\u0107 obron\u0119 i kwestionowa\u0107 jej stanowisko – podpowiada Ma\u0142gorzata Anisimowicz z kancelarii PMR Restrukturyzacje – W przeciwnym razie mo\u017cemy doprowadzi\u0107 do uprawomocnienia si\u0119 wyroku, oczywi\u015bcie nies\u0142usznego, przeciwko nam. Jego p\u00f3\u017aniejsze podwa\u017cenie jest cz\u0119sto bardzo trudne, a wr\u0119cz niemo\u017cliwe. Je\u017celi kto\u015b by\u0142 kiedy\u015b klientem firmy, u kt\u00f3rej ma rzekomy d\u0142ug, powinien sprawdzi\u0107, czy roszczenie nie uleg\u0142o przedawnieniu – wtedy d\u0142ug nie mo\u017ce by\u0107 dochodzony przed s\u0105dem. Materia\u0142 ukaza\u0142 si\u0119 w Gazecie Pomorskiej: dnia 18 sierpnia 2017: \u00bb D\u0142ugi, kt\u00f3rych mog\u0142o nie by\u0107<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"ppma_author":[30],"class_list":["post-5817","post","type-post","status-publish","format-standard","hentry","category-blog"],"authors":[{"term_id":30,"user_id":12,"is_guest":0,"slug":"teampmr-restructuring-pl","display_name":"Zesp\u00f3\u0142 PMR","avatar_url":{"url":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png","url2x":"https:\/\/pmrsa.pl\/wp-content\/uploads\/2024\/10\/logo2-e1729926426335.png"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5817","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/comments?post=5817"}],"version-history":[{"count":0,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/posts\/5817\/revisions"}],"wp:attachment":[{"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/media?parent=5817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/categories?post=5817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/tags?post=5817"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/pmrsa.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=5817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}