過払い請求について 2005年に200万フリーローンで借り入れを…

質問と回答
  • 過払い請求について 2005年に200万フリーローンで借り入れをし、2010年に完済しています。 金融機関はモビット(UFJ)です。 また、同時期にオリックスクレジットからは50万借り入れをし、これもすでに完済しています。 完済時期は上記金融機関とほぼ同じです。 以前過払いの請求をしようとし、金融機関の窓口に出向き、問い合わせたところ、履歴を出すのにかなりの費用がかかると言われ、怖気付いて行動に移せませんでした。 当時の金利は25%くらいだったと記憶しています。 過払い金は発生していますでしょうか。
  • ないと思う。 年利15%の貸付金利なら遅延損害金は1.64倍が上限だから24.6%。 100万以上の貸付法定金利上限は15%だから2つの数字に整合性があるわけで・・・

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