過払い請求について。

質問と回答
  • 過払い請求について。 現在計算ソフト(外山式、名古屋式両方)に打ち込み作業中です。 状況は数年貸し借りを繰り返し、数ヶ月の遅延。 その時にサラ金から和解案が出され、元金のみ(利息0)を4 年で返済いたしました。 そこで質問は取引履歴を見ると、その和解時に約定利息充当額と遅延損害金充当額と元金充当額の欄がマイナスになっております。 これはどの欄に記入すればいいのかわからずご質問させていただきました。 よろしくお願いいたします。
  • 引き直し計算に、利息も遅延損害金も関係ありません。要は、業者から何年何月何日に、いくら受けとったのかと、何年何月何日に、いくら支払ったのだけがあればいいのです。その取引履歴の内訳は、業者が勝手に利息だとか遅延損害金だとか言っているだけにすぎず、あなたは、「それは嘘だ」と主張するための資料を作ろうとしているのですから、引き直し計算には無用な情報です。 利息は法定利息の何パーセントかがあればいいだけです。しかも途中で和解して利息ゼロになったのなら、その時点から利息ゼロで計算すれば良いことになりますが、そうなると和解を無効とする主張と矛盾しますので、とても素人の手におえる話ではなくなります。 なぜ引き直し計算をするのかという基本的な事が理解できていない様子ですので、それではとても戦えず、意味不明のまま本人訴訟に突入したりしたらひどい負け方をしてしまう可能性がありますので、自分で交渉しようと考えずに、弁護士や司法書士などに、この先は依頼されることをおすすめします。

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