過払い金計算に強い方。

質問と回答
  • 過払い金計算に強い方。概算で結構です、いくら程の過払い金が発生するか教えて下さい。 H12.10.16からH14.3.18まで残高50万円(利率25.5%)。 H14.3.19からH14.10.7まで残高70万円(利率25.5 %)。 H14.10.8からH20.3.28まで残高120万円(利率23.9%) 毎月当然返済はしていますが利息のみ返済していた状況にて、残高は常に表記の金額満額です。
  • あなたのお話が、少しの誤差もなく真実だと仮定した場合で計算すると、わたしの回答も、yyhj15610さんの計算結果とほぼ一緒です。 H14.3.19の借り入れ前の残は439,756円 H14.10.8の借り入れ前の残は602,988円 H20.3.28の残は83,340円 つまり債務残がありますので、過払状態にはなっていません。 でも実際の返済は、1円単位では無く1000円単位だったでしょうから、その場合で計算し直してみましたが、それでも残は65,501円になります。 1円の端数を書いたので、あたかも正確な計算に見えるかも知れませんが、全然正確じゃありませんよ。ただ過払金は「たぶん」発生していないだろうなぁ、仮にあったとしても、子供のお小遣い程度で弁護士に過払い請求を依頼したら報酬のほうが高いくらいだろうなぁ、という参考数字に過ぎません。 H20.3.28以降どうしたのかという、かなり肝心なことが書かれていませんが、書いていないということは、その後放置して全く返済していないということなのでしょうね。 一切返済をしていないというのなら、たとえ法定利息で引き直し計算したとしても、いま相手に支払うべき金額はだいぶ増えます。遅延損害金で計算するならもっと多くなります。 わずかな残ということにはなりませんので、それを払って過払い請求なんてことはやめて、時効の援用をしたほうが得策でしょうね。そういうのは卑怯だからいやだというのなら別ですが。

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