完済かつ解約済みのプロミスへの過払い金請求について すで…

質問と回答
  • 完済かつ解約済みのプロミスへの過払い金請求について すでに完済かつ解約済みのプロミスの過払い金を計算したところ 195万円(5%利息を含まない)の過払い金があることがわかりました。 現在、プロミスが保証会社になっている三井住友銀行カードローンから 190万円の借り入れがあります。 質問1、三井住友銀行カードローンを完済する前に完済かつ解約済みの プロミスに過払い金返還の請求をした場合ブラックリストに載ってしまうのでしょうか? 質問2、三井住友VISAカードでショッピングの利用残高(キャッシングの 利用残高はありません)が残っていますが完済する前に完済かつ解約済みの プロミスに過払い金の請求をした場合、ブラックリストに載ってしまうのでしょうか? 質問3、過払い金を請求する場合は、三井住友銀行カードローンを完済してから プロミスへ過払い金を請求するほうがよいのでしょうか? 質問4、三井住友銀行カードローンの借入残高と過払い金が相殺された場合、 このことを「過払い金請求」または「任意整理」のどちらになるのでしょうか? よろしくお願いします。
  • 逆質問 「ブラックリスト」とやらに載ってしまうと、あなたに不利益はあるのですか。

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