過払い金請求の争点、期限の利益の喪失に関して 経験のある…

質問と回答
  • 過払い金請求の争点、期限の利益の喪失に関して 経験のある方、お詳しい方に意見をお伺いしたいのですが、先日レイクに個人訴訟にて過払い請求を行いました。 第一回期日は決まりレイクからの答弁書を待つ状態です。 分断などはありませんが、返済に数日遅れたことがあり期限の利益の喪失に関して突っ込まれないかが心配です。 状況としましては 1、取引年数は12年ほど、現在残責ありの状態から引き直し計算を行うと 元金で75万、利息込で85万ほどの過払いあり状態 2、レイクに請求書を送ると連絡がありレイク側で計算したところ、こちらで計算した金額より 数百円多く過払いが出ていると認めた上で5割で何とか和解してくれないかとのことだったが 同意せず提訴 3、遅延する際は電話連絡、もしくはホームページ上の会員ページから返済日を登録したうえで 返済したがその際、一括返済を求められることはなかった。 4、延滞があったのち、グレーゾーン金利が廃止された際には金利も法定金利に引き下げられた もしも期限の利益の喪失に関して突っ込まれた際には平成21年9月11日の最高裁判決をもとに期限の利益を喪失していたとの主張は信義則に反するとするのが定石のようですが、 その他、反論しなければいけない、またはした方が良いこと等はございますでしょうか? ネット上での体験談等もかなり拝見させていただきましたが、期限の利益の喪失に関して争点になったとの記載はほとんどありませんでした。 ご自身の体験談、体験外の意見などをいただければとてもありがたいです。
  • それをガチで主張するのはアイフルくらいだから、そんなに心配しなくてもよいと思います。 ただ、せっかくですから名古屋消費者信用問題研究会のHPで、関連判例等を見るなとして勉強しましょう。

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