• 09:15

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 11-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 11-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 11-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 11-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 11-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 11-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 11-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 11-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 11-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 11-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 11-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 11-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 11-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 11-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 11-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 11-04-2021.

  • 09:30

    TV prodaja

    Ponedjeljak, 12-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 12-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 12-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 12-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 12-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 12-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 12-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 12-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 12-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 12-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 12-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 12-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 12-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 12-04-2021.

  • 00:00

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Utorak, 13-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 11:30

    TV prodaja

    Utorak, 13-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 13-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 13-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 13-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 13-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 13-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 13-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 13-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 13-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 13-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 13-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 13-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 13-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 13-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 13-04-2021.

  • 23:30

    Kraj programa

    Utorak, 13-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 14-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 14-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 14-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 14-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 14-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 14-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 14-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 14-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 14-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 14-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 14-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 14-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 14-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 14-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 14-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 14-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 14-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 14-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 15-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 15-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 15-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 15-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 15-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 15-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 15-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 15-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 15-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 15-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 15-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 15-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 15-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 15-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 15-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 15-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 15-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 15-04-2021.

  • 00:30

    Kraj programa

    Petak, 16-04-2021.

  • 09:30

    Glazbeni program

    Petak, 16-04-2021.

  • 09:45

    TV prodaja

    Petak, 16-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 10:20

    Glazbeni program

    Petak, 16-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

    Petak, 16-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 16-04-2021.

  • 12:30

    Glazbeni program

    Petak, 16-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 16-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 16-04-2021.

  • 14:30

    TV prodaja

    Petak, 16-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

    Petak, 16-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 16-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 16-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 16-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 16-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 16-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 16-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 16-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 16-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 16-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 16-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

    Petak, 16-04-2021.

  • 00:00

    Kraj programa

    Subota, 17-04-2021.

  • 09:45

    TV prodaja

    Subota, 17-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 10:30

    TV prodaja

    Subota, 17-04-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 17-04-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 17-04-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

    Subota, 17-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 17-04-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 17-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 17-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 17-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 17-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 17-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 17-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 17-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 17-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 17-04-2021.

  • 22:30

    Općina Bizovac, reportaža

    Subota, 17-04-2021.

  • 23:00

    Osijek pita, informativna emisija (R)

    Subota, 17-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Subota, 17-04-2021.

  • 00:00

    Kraj programa

    Nedjelja, 18-04-2021.

  • 09:15

    Mamre, vjerski program (R)

    Nedjelja, 18-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 18-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 18-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 18-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 18-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 18-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 18-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 18-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 18-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 18-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 18-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 18-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 18-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 18-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 18-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 18-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 18-04-2021.

Edward stated he can never ever just just take a title loan out once more, in which he hopes Alabama lawmakers will reform exactly just just what he considers a dishonest company.

REGINALD INGRAM DOTHAN Reginald worked difficult to make an excellent life for himself and their household. With he and their spouse both making sufficient cash as well as in stable jobs, they made a decision to have a young child.

But, in September 2011, not as much as five months prior to the infant lendup loans website had been due, he had been told the shop where he worked as a associate manager ended up being closing in simply 11 times. Reginald sent applications for jobless advantages and began to locate any work he may find. Their wife kept part that is working, nevertheless they couldn’t make ends meet, even with reducing non-essential costs.

On the next seven months, the time by which he had been unemployed, he took down a few payday and title loans totaling $1,575, struggling to maintain with interest re re payments and spend down the key on a number of the loans. The family went without electricity for three weeks at one point.

He left with them, which would incur overdraft fees when he couldn’t make payments, the lenders would cash the checks. Reginald also received numerous telephone telephone calls through the loan providers and debt collectors, who told him things like, “We’ll subpoena you to definitely court on charges,” trying to create it seem like he could face charges that are criminal. They agreed to allow him down if he could spend a lot more than 3 times the total amount he owed.

Reginald paid ten dollars or $15 whenever he could. But also though he paid an overall total of approximately $1,900 in interest and principal, perhaps not like the cash he paid in overdraft costs, he nevertheless defaulted on four loans.

A $3,000 title loan remains outstanding. Their monthly interest repayment is $300, therefore he attempts to spend about $450 every month. Also if he keeps spending each month at this specific rate, he can spend roughly $2,200 in interest because of the time the mortgage is paid back.

Reginald discovered that payday and name loan providers target those who find themselves unable to spend their loans into the month that is first. “once you get inside, it is just like they’re fishing. You’re just bait. They don’t expect you to definitely pay it back. They expect you become from the hook to restore the loan over and repeatedly.”

* NOT HIS/HER REAL NAME.

Buyer Beware

Alabama does not have the laws and oversight required to guarantee predatory lenders don’t benefit from their clients, who’re frequently currently dealing with distress that is financial. In reality, the requirements – or lack thereof– more favor the lender often.

Listed here describes the regulatory environment for payday and name loans in Alabama.

PAY DAY LOANS The Deferred Presentment Services Act, enacted because of the Alabama Legislature in 2003, authorizes costs – efficiently interest charges – of up to 17.5percent of that loan, which are often due in merely 10 times or as much as 1 month following the loan happens to be released. Borrowers may get up to $500 with every loan. A normal loan is offered for 14 days, since many individuals receive their paychecks on a bi-weekly schedule. Thus, a $500 loan incurs interest charges of $87.50 every a couple of weeks, resulting in a fruitful yearly rate of interest of 456%.

Whenever that loan is extended, the debtor either gift suggestions a check or authorizes a debit that is electronic the key value and interest fees, postdated for your day the loan arrives. The lender may deposit the check or request the money from the bank on that day. Borrowers with inadequate funds face a negative check charge of $30 through the loan provider and overdraft costs through the bank.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development