Oszustwo – artykuł 286 kodeksu karnego

Osiągnięcie korzyści majątkowej cudzym kosztem jest nie tylko nieetyczne, ale podlega także surowej karze. Oszustwo jest niestety dosyć powszechnym problemem w Polsce, a sprawcy prześcigają się w coraz to nowych pomysłach, które mają pomóc im w szybkim i zdawałoby się bezproblemowym pozyskaniu majątku. Sprawdźmy jaka kara grozi za oszustwo i kiedy tak naprawdę mamy z nim do czynienia.

Rodzaje oszustw

Kodeks karny zawiera w sobie katalog różnych przestępstw, dotyczy to także oszustwa. Pamiętajmy jednak, że czyn zabroniony może przybierać różne formy, stąd ustawodawca zdecydował się dosyć dokładne uregulowanie określonego typu przestępstwa. Dotyczy to także oszustwa, które może występować pod różnymi postaciami.

Zgodnie z treścią art. 286 KK, kto, w celu osiągnięcia korzyści majątkowej, doprowadza inną osobę do niekorzystnego rozporządzenia własnym lub cudzym mieniem za pomocą wprowadzenia jej w błąd albo wyzyskania błędu lub niezdolności do należytego pojmowania przedsiębranego działania, podlega karze pozbawienia wolności od 6 miesięcy do lat 8.

Tej samej karze podlega, kto żąda korzyści majątkowej w zamian za zwrot bezprawnie zabranej rzeczy.

W wypadku mniejszej wagi, sprawca podlega jednak grzywnie, karze ograniczenia wolności albo pozbawienia wolności do lat 2.

Pamiętajmy także, że jeżeli oszustwo zostało popełnione na szkodę osoby najbliższej, ściganie następuje na wniosek pokrzywdzonego.

Znamiona przestępstwa oszustwa

Wiele osób utożsamia oszustwo ze stratą majątkową. W istocie zdecydowana większość tego rodzaju przestępstw niesie ze sobą poważny uszczerbek majątkowy w mieniu pokrzywdzonego. Oszustwo nie musi jednak wywołać takiego skutku, aby sprawca mógł zostać pociągnięty do odpowiedzialności karnej.

Niekorzystne rozporządzenie mieniem może bowiem skutkować także utratą przyszłych korzyści – np. ktoś inwestuje sporą ilość pieniędzy, mylnie sądząc, że otrzyma z tego tytułu ogromne zyski, a następnie pada ofiarą oszustwa, skutkiem którego nie otrzymuje żadnych profitów, choć udaje mu się odzyskać zainwestowane pieniądze. 

Sąd Apelacyjny w Warszawie w wyroku z dnia 13 września 2019 r. (sygn. akt II AKa 209/18) wskazał, że dla wypełnienia znamion czynu z art. 286 §1 KK wystarczające jest ustalenie takiego działania sprawcy, które może spowodować błędne wyobrażenie o rzeczywistości u osoby rozporządzającej mieniem, a rozporządzenie to jest niekorzystne z punktu widzenia interesów tej osoby lub innej osoby pokrzywdzonej, zaś powstanie szkody w mieniu nie jest warunkiem do przyjęcia, że doszło do tak pojmowanego niekorzystnego rozporządzenia mieniem.

Przestępstwo oszustwa ma charakter formalny, a do wypełnienia jego znamion wystarczy samo złożenie nierzetelnych informacji mających wpływ na decyzję dotyczącą rozporządzenia swoim mieniem. Przykładowo działanie w celu uzyskania kredytu nie jest równoznaczne z działaniem w celu osiągnięcia korzyści majątkowej, stąd przypisując sprawcy popełnienie przestępstwa z art. 286 §1 KK należy wykazać, że obejmował on swoją świadomością i zamiarem bezpośrednim kierunkowym nie tylko to, że wprowadza w błąd inną osobę, ale także to, że doprowadza ją w ten sposób do niekorzystnego rozporządzenia mieniem i jednocześnie chce wypełnienia tych znamion.

W jaki sposób dochodzi do przestępstwa oszustwa?

Aby sprawca oszustwa mógł być pociągnięty do odpowiedzialności karnej, jego działanie musi przybrać określoną formę. Zachowanie przestępcy powinno więc w takiej sytuacji polegać na:

  • wprowadzeniu w błąd pokrzywdzonego – np. poprzez oferowanie nieprawdziwych informacji, przemilczenie pewnych spraw, wprowadzanie w błąd, tak aby dana osoba niekorzystnie rozporządziła swoim mieniem, a sprawca zyskał w ten sposób korzyść majątkową,
  • wyzyskaniu błędu – sprawca wykorzystuje istniejący już błąd po stronie pokrzywdzonego, nie wyprowadza go z mylnego przekonania na dany temat i doprowadza w ten sposób do niekorzystnego rozporządzenia cudzym mieniem na swoją korzyść,
  • wykorzystaniu niezdolności pokrzywdzonego do zrozumienia swojej sytuacji – ta forma oszustwa pojawia się najczęściej względem osób starszych, schorowanych lub niepełnosprawnych.

Co ciekawe, aby doszło do oszustwa osiągnięcie korzyści majątkowej nie musi pojawić się tylko po stronie sprawcy. Jeżeli przysporzenie cudzym kosztem nastąpi na rzecz innej osoby (np. członka rodziny sprawcy), to także dojdzie do popełnienia przestępstwa. 

Elementy przedmiotowe oszustwa muszą się mieścić w świadomości sprawcy i muszą być objęte jego wolą – jeśli do tego nie dojdzie, o przestępstwie tego rodzaju nie będzie w ogóle mowy.  Sprawca nie tylko musi chcieć uzyskać korzyść majątkową, lecz musi także chcieć w tym celu użyć określonego sposobu działania lub zaniechania. Oszustwo może być przestępstwem popełnionym tylko umyślnie z zamiarem bezpośrednim, kierunkowym, obejmującym cel i sposób działania.

Przestępstwo oszustwa polega więc na tym, że osoba pokrzywdzona wykazuje się niewiedzą, pozostaje w zaufaniu do sprawcy i wierzy w jego zapewnienia, nie podejmując wielokrotnie sprawdzeń.

Oszustwo internetowe

W obecnych czasach sprawcy wielu przestępstw posługują się nowymi technologiami. Ustawodawca zdecydował się więc do wprowadzenia w Kodeksie karnym nowej formy oszustwa – oszustwa komputerowego.

Zgodnie z treścią art. 287 KK, kto, w celu osiągnięcia korzyści majątkowej lub wyrządzenia innej osobie szkody, bez upoważnienia, wpływa na automatyczne przetwarzanie, gromadzenie lub przekazywanie danych informatycznych lub zmienia, usuwa albo wprowadza nowy zapis danych informatycznych, podlega karze pozbawienia wolności od 3 miesięcy do lat 5.

W wypadku mniejszej wagi, sprawca podlega jednak grzywnie, karze ograniczenia wolności albo pozbawienia wolności do roku. 

Jeżeli oszustwo popełniono na szkodę osoby najbliższej, ściganie następuje na wniosek pokrzywdzonego.

Gdzie zgłosić oszustwo?

Każde oszustwo powinno być zgłaszane do właściwego organu ścigania. Pokrzywdzony może to zrobić w dowolnej jednostce policji lub bezpośrednio w prokuraturze. Zgłoszenie jest całkowicie bezpłatne i powinno nastąpić jak najszybciej – wtedy istnieje większa szansa na skuteczne ujęcie sprawcy i pociągnięcie go do odpowiedzialności karnej.

Zgłoszenie oszustwa wymaga tak naprawdę tylko tego, aby pokrzywdzony dysponował własnym dokumentem tożsamości i opisem całej sprawy. Jeśli będzie do tego dysponował dokumentami potwierdzającymi popełnienie omawianego przestępstwa, tym lepiej. 

Podstawa prawna:

Art. 286, 287 KK

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