過払い金についての質問です。

質問と回答
  • 過払い金についての質問です。 以前、8年くらい前に武富士ともう一社から借りていたのですがそのもう一社を覚えていません。そして完済するときに弁護士を通して一括で払いました。 それ ってやはり弁護士さんがそういのを計算して出した額なので過払いなどないのですかね? 武富士は潰れたのでもうダメなのはわかるのですが、もう一社を調べるには弁護士などに相談しても分からないでしょうか? わかったとしても自分に過払いがあったとしても僅かな額なんだろうなって思っちゃいます…。 同じような経験した方おられますか?
  • 約定残ありから法定利息で引き直し計算をした結果、それでも借入元金が残っていたから一括清算する必要が生じたのです。 この状態は厳密には過払いとは言いません。過払いとは法定利息で計算した場合に借入元金は既になく、以降の返済額は全て貯金しているような状態の事を云いますから追い金を出して完済になるという事は無いのです。 質問の状態は契約外取引ですから任意整理をしたという事です。一括清算出来る財力があって良かったのだと理解していれば良いでしょう。清算出来なければ個人信用情報には異動と記載されてブラック入りしていたのですから。 ※8年前なら業者側の報復ともいえるコード71と言われる個信の記載がされた可能性もありますが、この記載は2010年4月で廃止されているので過払い請求の事実を知るのは当事者のみで現在は何の問題にもなりません。

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