{"id":21483,"date":"2026-02-11T11:33:29","date_gmt":"2026-02-11T11:33:29","guid":{"rendered":"https:\/\/hedman.legal\/?post_type=articles_posttype&#038;p=21483"},"modified":"2026-02-11T12:25:36","modified_gmt":"2026-02-11T12:25:36","slug":"kuidas-vabaneda-kelmi-poolt-voetud-laenust","status":"publish","type":"articles_posttype","link":"https:\/\/hedman.legal\/et\/artiklid\/kuidas-vabaneda-kelmi-poolt-voetud-laenust\/","title":{"rendered":"Kuidas vabaneda kelmi poolt vo\u0303etud laenust?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sisukord<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/hedman.legal\/et\/artiklid\/kuidas-vabaneda-kelmi-poolt-voetud-laenust\/#Kas_pean_tagasi_maksma_laenu_mille_petis_minu_nimele_vottis\" >Kas pean tagasi maksma laenu, mille petis minu nimele v\u00f5ttis?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/hedman.legal\/et\/artiklid\/kuidas-vabaneda-kelmi-poolt-voetud-laenust\/#Millal_voib_olla_voimalik_petturi_voetud_laenust_vabaneda\" >Millal v\u00f5ib olla v\u00f5imalik petturi v\u00f5etud laenust vabaneda?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/hedman.legal\/et\/artiklid\/kuidas-vabaneda-kelmi-poolt-voetud-laenust\/#Mida_teha_kohe_kui_avastad_et_sinu_nimele_on_voetud_laen\" >Mida teha kohe, kui avastad, et sinu nimele on v\u00f5etud laen?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/hedman.legal\/et\/artiklid\/kuidas-vabaneda-kelmi-poolt-voetud-laenust\/#Kokkuvote\" >Kokkuv\u00f5te<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Iga p\u00e4ev saame lugeda inimestest, kes on kelmide ja pettuste ohvriteks langenud &#8211; telefonipettustest meilis linkide klikkimiseni v\u00e4lja. Lisaks oma elus\u00e4\u00e4stude kaotusele v\u00f5tavad petturid ohvrite nimele ka mitmeid kiirlaene, mida pank v\u00f5i kiirlaenufirma hakkab tagasi n\u00f5udma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:20px\"><span class=\"ez-toc-section\" id=\"Kas_pean_tagasi_maksma_laenu_mille_petis_minu_nimele_vottis\"><\/span>Kas pean tagasi maksma laenu, mille petis minu nimele v\u00f5ttis?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00dchte \u00f5iget vastust ei ole, kuid fakt on see, et t\u00e4na maksavad sajad inimesed siiski neid laene ise tagasi &#8211; kes vabatahtlikult, kellelt on need kohtulahendiga v\u00e4lja m\u00f5istetud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:20px\"><span class=\"ez-toc-section\" id=\"Millal_voib_olla_voimalik_petturi_voetud_laenust_vabaneda\"><\/span>Millal v\u00f5ib olla v\u00f5imalik petturi v\u00f5etud laenust vabaneda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>See s\u00f5ltub konkreetsetest asjaoludest ja t\u00f5enditest.<\/p>\n\n\n\n<p>M\u00f5nel ohvril on siiski \u00f5nnestunud laenu tagasimaksmisest p\u00e4\u00e4seda. Meil on mitu kohtulahendit, kus pangad on p\u00f6\u00f6rdunud pettuse ohvri vastu kohtusse, kuid kohus ei ole panga n\u00f5uet rahuldanud.<\/p>\n\n\n\n<p>Ringkonnakohus on j\u00e4tnud m\u00f5ned hagid rahuldamata olukorras, kus ohver suutis t\u00f5endada, et<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tema kontole laekunud raha kanti pettuse toime pannud isikutele edasi;<\/li>\n\n\n\n<li>ta ei saanud laenust tegelikku kasu;<\/li>\n\n\n\n<li>ta ei rikastunud <em><a id=\"_ftnref1\" href=\"#_ftn1\"><strong>[1]<\/strong><\/a>.<\/em><\/li>\n<\/ul>\n\n\n\n<p>N\u00e4iteks suutis \u00fcks pettuse ohver t\u00f5endada, et ta laadis alla kaughaldusprogrammi AnyDesk ning sisestas PIN-koodid kelmuse m\u00f5jul. Kohus ei m\u00f5istnud temalt v\u00f5lgnevust v\u00e4lja.<\/p>\n\n\n\n<p>See t\u00e4hendab, et see, et petis v\u00f5ttis sinu nimele laenu, ei t\u00e4henda automaatselt, et pead selle kindlasti tagasi maksma. Samas ei t\u00e4henda see ka automaatset vabastust.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:20px\"><span class=\"ez-toc-section\" id=\"Mida_teha_kohe_kui_avastad_et_sinu_nimele_on_voetud_laen\"><\/span>Mida teha kohe, kui avastad, et sinu nimele on v\u00f5etud laen?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Tee politseile <a href=\"https:\/\/www.politsei.ee\/et\/avaldus-politseile\" target=\"_blank\" rel=\"noopener\">avaldus<\/a>, et oled kelmuse ohvriks langenud ja pettuse teel paroole jaganud.<\/li>\n\n\n\n<li>Salvesta k\u00f5ik s\u00f5numid ja suhtlus kelmidega.<\/li>\n\n\n\n<li>Salvesta info, et arvutisse v\u00f5i telefoni on laetud AnyDesk v\u00f5i muu kaughaldusprogramm.<\/li>\n\n\n\n<li>V\u00f5ta \u00fchendust laenuandjaga, selgita olukorda ja edasta info, et politsei on menetlust alustanud.<\/li>\n\n\n\n<li>V\u00f5ta \u00fchendust <a href=\"https:\/\/hedman.legal\/et\/teenused\/vaidluste-lahendamine\/\">advokaadiga<\/a>, et hinnata, kas ja millised v\u00f5imalused on laenun\u00f5udele vastu vaielda.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1600\" height=\"1066\" src=\"https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026.png\" alt=\"\" class=\"wp-image-21490\" srcset=\"https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026.png 1600w, https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026-300x200.png 300w, https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026-1024x682.png 1024w, https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026-768x512.png 768w, https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026-1536x1023.png 1536w, https:\/\/hedman.legal\/wp-content\/uploads\/2026\/02\/Mida-teha-kui-avastad-et-petturid-voi-kelmid-on-sinu-nimele-on-laenu-votnud_2026-2048x1364.png 2048w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:20px\"><span class=\"ez-toc-section\" id=\"Kokkuvote\"><\/span>Kokkuv\u00f5te<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kui sina v\u00f5i su l\u00e4hedane inimene on langenud pettuse ohvriks ja kelmid on s\u00f5lminud laenulepinguid, <strong>\u00e4ra j\u00e4\u00e4 passiivseks<\/strong>. <\/p>\n\n\n\n<p>Isegi, kui kogu n\u00f5udest ei ole v\u00f5imalik t\u00e4ielikult vabaneda, tasub v\u00f5tta \u00fchendust \u00f5igusn\u00f5ustajaga ja selgeks teha, kas ja millised v\u00f5imalused on, et oma \u00f5igusi kaitsta.<\/p>\n\n\n\n<p>Kui oled sattunud telefonipettuse v\u00f5i kelmide ohvriks, aitavad advokaadib\u00fcroo Hedman kohtuadvokaadid <a href=\"https:\/\/hedman.legal\/et\/inimesed\/kaire-sepper\/\">Kaire Sepper<\/a> ja <a href=\"https:\/\/hedman.legal\/et\/inimesed\/mart-murk\/\">M\u00e4rt M\u00fcrk<\/a> sul j\u00e4rgmised sammud \u00e4ra kaardistada. V\u00f5ta meiega \u00fchendust <a href=\"mailto:info@hedman.legal\">info@hedman.legal<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"#_ftnref1\" id=\"_ftn1\">[1]<\/a> TrtRnKo 29.08.2025, <a href=\"https:\/\/legal.ee\/?id=417159907\" target=\"_blank\" rel=\"noopener\">2-24-117613\/44<\/a>; TrtRnKo 17.04.2025, <a href=\"https:\/\/legal.ee\/?id=402573258\" target=\"_blank\" rel=\"noopener\">2-24-6781\/39<\/a><\/p>\n","protected":false},"featured_media":21484,"template":"","article_categories":[],"class_list":["post-21483","articles_posttype","type-articles_posttype","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/articles_posttype\/21483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/articles_posttype"}],"about":[{"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/types\/articles_posttype"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/media\/21484"}],"wp:attachment":[{"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/media?parent=21483"}],"wp:term":[{"taxonomy":"article_categories","embeddable":true,"href":"https:\/\/hedman.legal\/et\/wp-json\/wp\/v2\/article_categories?post=21483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}