過払い金の引き直し計算の利率変更で質問させて頂きます。

質問と回答
  • 過払い金の引き直し計算の利率変更で質問させて頂きます。 数年前に自分で武富士とニコスに過払い請求 を引き直し計算をして行ったので今回は 知り合いに頼まれて引き直し計算のお手伝い をするのですが自身で曖昧な部分があるので 教えて頂けたらと思います。 10万未満は20%、 10万以上の100万未満18% 100万以上は15%。 100万を1度超えたら最終まで15% だと理解しています。この 場合に利率を変更するのはカード会社からの取引履歴の残元で 100万を超えた時点で利率の変更を するのか自分で行っている引き直し計算の中で100万を超えたらの利率変更なのかを教えて下さい。 あと自分の件でエポスに過払い請求をしよう と思うのですが履歴に未開示の部分があり 最初から10万超えで開示が始まっているので 利率は18%なのはわかるのですが数年前に エポスの方で利率が17.7に変更になったのですがこれは取引履歴のエポスで変更になった日 からの利率変更で良いのでしょうか? あとリボ払いなので毎月一定額の支払い なのですが時々一括払いでキャッシングを していた場合は返済額の記入の時には リボ+一括返済分を合算しての入力なのか リボと一括分は分けて入力した方が良いのか 以上3点を教えて頂けたらと思いますので 宜しくお願い致します。
  • >>この 場合に利率を変更するのはカード会社からの取引履歴の残元で >>100万を超えた時点で利率の変更をするのか自分で行っている引き>>直し計算の中で100万を超えたらの利率変更なのかを教えて下さい。 利息制限法に従って引き直し計算していますので貴方が行っている引き直し計算書において100万超えたら利率変更します。 >>エポスの方で利率が17.7に変更になったのですがこれは取引履歴の>>エポスで変更になった日からの利率変更で良いのでしょうか? 下げていただいた日から変更してください。 >>あとリボ払いなので毎月一定額の支払いなのですが時々一括払いで>>キャッシングをしていた場合は返済額の記入の時にはリボ+一括返>>済分を合算しての入力なのかリボと一括分は分けて入力した方が良>>いのか 取り敢えず返した金額を入力してください。 相手に不利な計算がなされていたら訂正を要求してきますから遠慮しないで提出してください。 もしくは自信がなければ、有料で計算してくれるところが沢山ありますのでお願いしてください。 裁判所は計算の間違いは指摘しません。 間違っていても提訴された計算書で進めますので気を付けてね^^

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