過払い金が140万いじょうあるんで、はじめ 司法書士…

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  • 過払い金が140万いじょうあるんで、はじめ 司法書士だったが、そこが弁護士紹介してくれたのだが、費用が19㌫なのに29㌫請求されるみたいなのだがこれははらわないといけないの? @そこの司法書士は有名なとこなのだが、1回目のときは電話とかくれたのに、自分たちが扱えない140万以上だと電話してこないのはどうなのかとおもう、そんなもlんなのかな司法書士て。。
  • 1.29㌫請求される→何の請求ですか?回収された過払い額×29%は、請求上限オーバーしてます。 日弁連も日本司法書士連合会もぼったくりを防ぐため、過払い報酬は裁判なしでの回収は20%までしか請求できない。 裁判を起こしての回収なら25%までしか請求できない。 弁護士と直接面談して、費用・報酬や訴訟で請求する必要がある等、弁護士から説明を受けて契約しましたか? もし、返金された過払い金の29%の請求なら、取り過ぎなので自分で苦情をぶつけな。 それでも請求すると言われたなら、弁護士所属の弁護士会の「市民窓口」に電話相談しましょう。 ■日本弁護士連合会HP 市民窓口 弁護士は事件処理を依頼された場合、可能な限り依頼者の法的利益を守るように活動します。しかし、弁護士の行っている活動について依頼者や相手方、あるいは第三者から見て問題があると思われる場合があります。 全国の弁護士会には、弁護士の活動に関する苦情などを受け付ける「市民窓口」が設けられています。弁護士の活動で納得できない場合があった場合には、まずその弁護士の所属する弁護士会の市民窓口にご相談ください。 弁護士会一覧http://www.nichibenren.or.jp/bar_association/whole_country.html 日弁連:「債務整理事件処理の規律を定める規程」の概要 http://www.nichibenren.or.jp/contact/cost/legal_aid/saimuseiri/saimuseiri_2.html 「債務整理事件処理の規律を定める規程」及び同規程施行規則の主なポイントは、次のとおりです。 報酬の種類や、請求上限等の詳細は、 規定: http://www.nichibenren.or.jp/var/rev0/0000/8841/kaiki_no_93.pdf 施行規則:http://www.nichibenren.or.jp/var/rev0/0000/8842/kisoku_no_145.pdf をご参照下さい。 弁護士の事件受任・事件処理方法に対する規制 受任弁護士自らが行う個別面談による事情聴取の原則義務化 弁護士は、依頼主と会わずに債務整理事件の依頼を受けてはいけないのが原則です(弁護士と会って依頼をするのが原則です)。 原則として、受任する弁護士が自ら個別面談をして、事件の依頼主の事情を聴かなければなりません(規程第3条)。 事件処理方針、不利益事項、弁護士費用及び民事法律扶助の説明(努力)義務 事件処理の方針や、事件処理に伴って依頼主に不利益になる事項は、受任する弁護士が自ら説明するのが原則です(規程第4条)。 弁護士費用等についても、分かりやすく説明するよう努めることになっています(規程第5条、第6条)。 受任弁護士の明示等の義務 受任した弁護士の氏名等は明示されることになっています(規程第7条)。 過払金返還請求の受任における義務 過払金返還請求のつまみ食い(ほかに借金があるのに過払金だけを取り返して借金を整理しないこと)の依頼には原則として応じられません(規程第8条)。借金(債務)の整理は、全体として整理しないとかえって取り返しのつかないことになりかねないからです。 事件処理報告に関する規制 弁護士は、受任した事件の処理に関し、規程が定める事項について、依頼主に報告することになっています(規程第17条)。 報酬規制 ≪本規程の報酬規制とは≫ 非事業者等任意整理事件=消費者や零細事業者の任意整理事件の報酬規制が主になっています。 ※破産事件、民事再生事件などは報酬規制の対象外です。 弁護士報酬の種類 ※「報酬」と「報酬金」とは異なります。 着手金 成功・不成功のある事件について、結果のいかんにかかわらず受任時に受領する報酬。 報酬金 成功・不成功のある事件について、成功の程度に応じて受ける報酬。 a 解決報酬金 業者との事件が解決したこと自体により発生する報酬金。 b 減額報酬金 業者が主張する債権額と実際に支払うことになった金額との差額(減額分)をもとに算定する報酬金。 c 過払金報酬金 回収した過払金額をもとに算定する報酬金。 手数料 成功・不成功がない事務処理の報酬 【非事業者等任意整理事件の着手金の規制】⇒上限規制はなし ただし、着手金額設定の際に考慮されるべき要素(通常の任意整理事件で想定されている事務処理)を規程で設定しています(規程第10条)。 1.で考慮されているものについて追加で着手金を受領したり、個別手数料を受領したりすることは原則禁止されます(規程第10条、第11条)。 したがって、任意整理事件の処理をしている間の管理手数料とか、引き直し計算の計算手数料といった名目での手数料を取ることは禁止されています。 【非事業者等任意整理事件の報酬金の規制】 a~cの報酬金以外の報酬金の受領は禁止されます。 上限規制(規程第12条~第16条、施行規則第2条~第4条) 具体的な上限は、以下のとおりです(いずれも消費税別)。 解決報酬金 1社あたり2万円以下が原則。商工ローンは5万円以下。 減額報酬金 減額分の10%以下。 過払金報酬金 訴訟によらない場合回収額の20%以下。 訴訟による場合回収額の25%以下。 例: Xは、A業者から50万円を請求され、B業者から70万円を請求されていた。 それを弁護士に委任して整理した。その結果、 ▼A業者との間では、引き直し計算の結果、過払金が発生していたので、XからA業者への支払いはなく、30万円の過払金を裁判によらずに回収できた。 A業者との関係での報酬金(上限の場合) 解決報酬金 2万円 減額報酬金 50万円の請求額がゼロとなったので、減額分は50万円。したがって報酬額は50万円の10%にあたる5万円。 過払金報酬金 回収額30万円の20%にあたる6万円。 計 13万円(すべて上限の場合) ▼B業者との間では、引き直しして50万円を分割で支払うこととなった。 B業者との関係での報酬金(上限の場合) 解決報酬金 2万円 減額報酬金 70万円の請求額が50万円になったので、減額分は20万円。したがって報酬額は20万円の10%にあたる2万円。 過払金報酬金 発生しない。 小計 4万円(すべて上限の場合) 報酬金合計 17万円+消費税(着手金は別) 個別手数料は原則受領禁止(規程第11条) 例外:送金代行手数料(規程第16条、施行規則第5条)。 広告の規制(規程第18条) 広告への自己の報酬基準表示努力義務 債務整理事件にかかる報酬の基準を広告に表示するよう努めることになっています。 債務整理事件の受任時には面談を要する旨を広告に表示すべき努力義務 弁護士と面談する必要があることを広告に表示するよう努めることになっています。 負債の処理をせずに過払金返還請求を行うことに不利益がないかのように、広告に表示することの禁止 過払金返還請求だけを取り扱う旨を広告に表示するなど、他の債務を処理せずに過払金返還だけを行うことに不利益がないかのように誤解されるおそれのある広告を行うことは禁止されています。 施行日 この規程は、2011年4月1日以降に弁護士が新規受任する事件から適用されます。 また、この規程は、臨時の規制であり、施行状況などをみて、施行から5年以内の間に定めた日に失効することになっています。

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