NICOSを利用してる者です かなり長い年数で利用してますが先…

質問と回答
  • NICOSを利用してる者です かなり長い年数で利用してますが先日取引履歴を請求しきました NICOSは都合のよい金額訂正するんでしょうか? いつまでが2○%でいつから%が法的に変わったのか教えてください -2万しか過払い金発生してないのですがかなり前から毎月返済しておりマイベストも含めて名古屋式で再計算しようと思ってます
  • ニコスの取引履歴は、最初から法定利息に引き直し計算をしてあるもので、過払い元金についてはそのまま信用してもいいと思います。ただし、過払い利息については一切計上してないので、たくさん利息がついていそうなら、こちらで計算し直すのも手です。 ニコスが都合の良い金額訂正をするとは聞いたことがないですが、長年取引をして、過払い金が2万円しか発生してないということは、元々の約定利息がそれほど高くなかったか、返済と同時に借り入れも繰り返していたか、まだ約定残高がかなり残っていたなどの理由が考えられます。 法的に罰せられる利息の上限は、昨年の6月から20%超となりました。ただ、それ以前に契約をした人については、それ以降も29.2%まで利息をとっても罰せられないはずです。ただ、ニコスについては、昨年6月より前でも、20%前半くらいの利息しか取らなかったような気がします。消費者金融ではなく信販会社だし、キャッシングの一環として融資していただけなので。

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