アコムの過払い訴訟についてご教授ください。

質問と回答
  • アコムの過払い訴訟についてご教授ください。 長文になります。 現在残ありで引き直し計算をし僅かながら過払いが判明し先月提訴し1回目の期日待ちなんですが、過去の個人訴訟の経験から甘くみていて裁判所に手続きの際調停でどうにかなるなら調停でと1発訴訟に踏み切らなかったせいで、調停で何と利率変更のみで分断を主張してきて、通常金利にもどしてるし基本契約も締結してるし別件で過払い金はない、むしろ残高払えという回答がきました。そこですぐ訴訟に切り替えて1回目にそなえて準備書面等を作っていこうかと思い、なかなか利変のみの分断でのケースが自分なりに調べてもでてこなかったのでここにきました。 準備書面の内容としてはこれからアコムがどういう答弁書を出してくるかでみなしや悪意も追加するかと思いますが、まず自分にとっては利変の分断が重要だと思います。 主張する内容は ①取引履歴に解約の文字はないし会員番号も全部同じ、カードも同じで解約に伴う一括返済や手続きは一切取られていないので基本契約は締結されていない。 ②利変した際の契約内容通知がありまして内容が 契約番号 1000000701-04 従前契約番号 1000000702-01 従前契約あり 従前契約残元金 残金を引き継いだ金額記載 貸付利率 18.000% 遅延利率 20.000% という書面で、従前契約あり記載で残金まで引き継いでるんだから基本契約は締結されていない。 この2点を使っていこうかと思うですが、あまり余計な出方はしないで判決とった方がいいとの意見もあるようですのでなにもせず争うのみで判決を待つか、念には念をで準備書面を作っていくなら番号の末尾と枝番が後々あだになりそうならシンプルに①のみでいくか、それとも①と②も提示して従前契約あり、従前契約元金引き継ぎを主張しあくまで変更契約でしょ的な内容でいくか迷っております。 そこで自分の様なケースで一連を認めさせる場合にはどう主張していくのが判決までスムーズか個人訴訟のご経験や知識がある方に、ご教授願いたいと思いまして質問させていただきました。 宜しくお願いいたします。
  • アコムは、アイフルほど落ちぶれてはいないので遅延損害金を執拗には争ってはこないとは思いますが、名古屋信用情報研究会のHPなどで勉強はしておいてくださいね。 あまりないというより、訴訟になれば裁判所に相手にもされない主張でしょうね。 調停の場での、素人を見下したこけおどしと思われます。

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