質問ですが、今現在、アコムに過払い金請求をしています。

質問と回答
  • 質問ですが、今現在、アコムに過払い金請求をしています。貸金業法の改正前の利率27%の頃からか借り入れ10年近くありまして現在、24万ほど残っている状態で過払い請求して過払い金発生で引き直 し計算して24万以上あって残金が0になった場合はやはりブラック扱いになるでしょうか?
  • 個信に記載する項目が無いからね、信用情報は問題ないから当事者以外にその事実を知る術はありません。※コード71、20104月で廃止。 自社ブラックなんて実際は踏み倒しをした債務者だけです。三菱東京UFJ銀行傘下の個人向けローンの窓口となっているのだから最終判断は親会社の意向が反映されます。 次回借りる時点でどれだけ社会的信用が構築されているか?、どれだけリスクの少ない返済能力を有しているか?だけです。短絡的な報復審査は親会社の儲け口を失う背信行為です。 自社ブラで良いというけれど、親会社メガバンクと提携する地方銀行だってアコムの持つ個人情報を活用する事が出来るのです。対外的に公表しなければ問題になる事も無いだけで、各ローンの契約約款には自社の持つ個人情報取り扱いに関する条項で、まさにグレーと呼べる文言が並んでいます。そして申込する金融機関の約款にも提携する金融機関の情報を利用する事があるとも書かれています。 自社ブラならあなたは金輪際住宅ローンなども全て否決を貰う可能性が残るという事です。実際はそんな事はありません。 貸せるカモには貸して稼がせてもらうだけです。

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