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  • 過払い金返還訴訟について相談させて下さい。 アコムを相手に提訴し7月初旬一回目の予定です。内容としては、途中一括返済あり、解約、再契約なしで2ヵ月後に再度借り入れを始めています。 一連、一体で問題ないかと思うのですが、途中完済したのが10年以上前なので、分断、時効を主張されるかもしれません。 先日先方から和解の打診の電話があり、利息なしの元金満額でとの話でしたが、完済したのが10年前なので+5の利息が10万以上あり、せっかく提訴までしたのだからとそれでは和解はできかねると伝えました。 どの位なら歩みよれますかと聞かれたので、訴訟費用と万未満の端数カットならと答えたところ、あちらもそれでは無理ですとの事ででは裁判でと電話を切りました。分断、時効には触れていませんでした。 その話を夫にしたところ、無理して利息まで取らなくてもいいのではないか。実際裁判が始まったら分断、時効を主張しもしかすると減額になってしまうかもしれないのではないかと言われなんだか不安になってしまいました。 自分なりに勉強はしているつもりですが、裁判の敷居は私には高く、実際準備書面などもかけるか自信がありません。 最終的に決めるのは自分だとわかったうえで相談させて下さい。 このような状況では利息は諦め、和解に応じた方が無難なのでしょうか? このまま裁判を続けて2回目前に満額+5+訴訟費用で和解する事なども可能でしょうか? おかしな質問なのは重々承知しておりますが、ご意見聞かせて下さいませ。
  • 勝てるような分断案件なら、アコムが「元本満額和解案」なんてだしませんよ 自信もってください。 2ヶ月の空白で分断主張なんてあったところで、ネットに転がっている準備書面のコピペで十分です。 だからといって勉強が必要じゃないとは言いませんけど・・・。 本人訴訟は自己責任です。「自分なりに勉強はしているつもり」ではなく、自他共に認めるぐらい勉強してください そうすれば自然と不安なんてなくなりますよ

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