過払いについてです。

質問と回答
  • 過払いについてです。 レイクに債務があり、返済を続けてきましたが、ようやく過払いが出る金額を昨日返済しました。私の計算では、過払いが数百円程度。 落とし所として、債権債務不存在としたいと思っています。そして、本日レイクへ電話して過払いについて話をしましたが、書面での意思表示をもらわないと対応できないの一点張りでした。送る事自体は問題ないのですが、送る内容についてお聞きしたいです。 レイク側からは、名前住所生年月日電話番号、そして今回の要望。を記入してくださいとのこと。上記にあるように、落とし所は債権債務不存在と考えていますが、記入するのは過払い金の返還要求にしようと思います。 なにか注意点等あればお教え頂けますでしょうか。 よろしくお願いします。
  • 引き直し計算を踏まえて少額の過払い状態にしたのなら質問者の欲する方向性で業者と交渉すれば良いだけです。 取引状況に問題なく業者が受け入れるならスンナリ決着するのでしょうけど… 交渉など無しで必要書類を郵送して一方的に終息させる事も可能ですが「個人信用情報登録」との兼ね合いも考慮するなら話し合いも必要です。

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