過払い請求したく引き直し計算をしましたが、その後について…

質問と回答
  • 過払い請求したく引き直し計算をしましたが、その後について質問です。過払いは無し、約60万円あった借入金が計算により、残債40万円に減りました・・店頭で計算の結果を見せて残債一括払うのは可能ですか?
  • 先に60万円の借金を40万円に減らす交渉をしてしまうと、信用情報上は 「債務整理」になるので、世の中の通称で言うブラックの扱いになってしまいますよ。 先に少額(数百円程度)の過払いになる状態にして、債務不存在確認書と 引き直し計算書を送付して交渉しましょう。 相手によっては、「あと1、2万円払ってもらったら和解できます。訴訟しても費用が かかるので結局費用はたいしてかわりませんから。」とか根拠もなく言ってくるところ があるので、その場合は「誰が和解すると言いました?不当利得返還訴訟する なら判決もらって、裁判費用どころか出廷した日当も含めてキッチリ請求しますよ!」 とハッタリでもいいので反論しましょう! ちなみに・・私はアコムで同様な事があったので先に900円過払いになる状態に して、過払いになったので債務不存在確認書を送りたいのですが、その送付先を 教えて下さいって電話したら、こちらでもほぼ同じ金額になったのでとOKをもらい ましたよ^^ その後一応向こうから届いた書面にサインして送り返して終わりです。 (信用情報は「完済」との事) 必ず先に払う!これが重要な注意点です^^

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