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  • 過払い金請求の時効について、よろしくお願い致します。 私は、サラ金との一度目の契約を平成1年に致し、その後平成11年に全て完済し解約もしております。再度平成15年に再契約をして借入れをし、平成20年に返済不能となり、現在に到ります。過去約20年間、1日でも返済が遅れれば、必ず掛かってきた催促の電話も、平成20年に返済不能となった時に、一度だけ掛かってきただけで、一度目の契約の過払い金請求の時効と思われる平成21年まで約一年間、何の催促もありませんでした。ところが、その後かなり強気な催促の電話が度々掛かってきます。近所の弁護士に相談した結果、過払い金請求については、1度目と2度目の契約は別々と見なされ、1度目の契約は時効が成立する可能性が高いと言われました。ところが、私が自分なりに判例を調べて居りますとこの様な判例にたどり着きました。 http://www.hyogoben.or.jp/hanrei/hanreihtml/070426-o.html この判例と、私のケースとでは、どの様な点が違うのでしょうか? 時効を迎えるまで、何の催促もしてこなかった相手側のやり方が、納得いきません。 お恥ずかしい質問ですが、皆様の回答により今後の対応を決めたいと思いますので、お解かりになる方が居りましたら回答よろしくお願い致します。 何か補足が必要でしたら何なりとお申しで下さい。
  • 仮に全く同じ事情だったとしても、裁判官は独立して各々判断をしますから、同じ判決が出るとは限りません。 取引分断の論点は、今も各地の裁判所で激しく争われている論点なので、ご指摘のとおり、一連の取引であると認定される可能性もあります。 徹底的に争ってくれる弁護士を見つける必要があります。 ところで、自動債権(過払い金返還請求権)が時効にかかっても、その消滅前に相殺をすることができる状態であれば、自動債権と受動債権(第2取引の貸金債務)の相殺をすることができます。 ご質問のケースでは、相殺が可能かもしれません。 この点も弁護士に相談してみてください。

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