過払い請求、提訴について質問させていただきます。

質問と回答
  • 過払い請求、提訴について質問させていただきます。 こちらでいろいろと勉強させていただき個人で過払い請求をしています。 取り引き履歴を取り寄せ、引き直し計算をして過払金返還通知書を 送りました。 過払い金(利息5%を含む) 約1,700,000円 ショッピング残額 約240,000円 その後、相手から電話があり話しをしたところ、ショッピング残額を相殺した額 1,150,000円(過払い利息無し)を来年の1月以降に支払いたいと言われて納得できないので、利息を含む満額であれば遅くなる事を検討、1~2ヶ月以内の振込であれば利息無しの元金でも検討すると答えました。 後日連絡すると言われ、その後どうしても振込日は来年の1月以降にしかできない、金額は利息分として50,000円をプラスして1,200,000円と言ってきました。 一度は相手の提案額にもう少しプラスしてもらい相手の振込日(来年1月以降)で和解しようかと思いましたが振込日があまりにも先で不安になり、やはり提訴しようかと思っています。 提訴する前にショッピング残額を一括で支払う事を検討していますが、どうでしょうか? しない方がいい場合はショッピング残額を相殺してもらうように訴状に書き添えた方がいいでしようか? その場合の訴状の書き方は? 訴状に記入する金額はポケットに送った通知書の金額(最終引き落とし日で計算)に合わせるべきですか? それとも訴状を提出する日での計算した金額を書くのですか? どうかアドバイス、ご指導をお願いいたします。
  • 提出する日でいいんじゃない 訴状をだしてまた業者と第一回前に話し合いがもたれるだろーけど、そのときにもたぶんまた相殺の話になるだーから、いまは無理に一括ではらわなくても裁判には影響はないとおもう 払いたきゃはらえばいいんじゃない

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