ジャックスに過払い金を請求しようと思います。

質問と回答
  • ジャックスに過払い金を請求しようと思います。経験者・ご存じのかた、教えてください。当方、取引履歴を貰い計算したところ 終了した翌月一括払いに、かなりの過払い金があります。(利率27.4%時代) キャッシング・リボ払いには過払い金はありませんが、一連計算で良いのでしょうか? 翌月一括払いは10年以上経過しており、それだけだと時効なんですが、取引は1年前まで継続していて全額完済済です。 よろしくお願いします。
  • 過去じゃっくすに過払い請求しました。全般的なことから言いますと、この会社は、当初より法定金利内で営業してると言う名目で、過払いに関しては、比較的良心的です。私の場合、個人請求で満額(過払い利息含)に近い金額を取り戻しました。 じゃっくすは、「回数指定払い」「リボ払い」は、計算方法が違う・独立した取引きという理由から分けてるようです。私の場合、「回数」は最終取引きより10年以上で時効。「リボ」はH6~H22までで、主と同じように、途中一括完済後(数回有)、数年経過後再取引きということで、最終的に一連取引きになりました。 当時、「回数」を個別に計算しても過払いもなく時効なので、この会社の出方を見る上で、「回数」「リボ」を含め一連計算した結果を請求してみて、結果不服なら裁判すれば良いと考えました。 同じように、まずは一連の結果を請求してみて、出方を見てみたら如何でしょうか。それからでも遅くないと思います。

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