過払い金返還請求の期限について 以前、キャッシングローン…

質問と回答
  • 過払い金返還請求の期限について 以前、キャッシングローンの過払い金返還請求に受付期限があると聞いたことがあります。 それは個別の訴追権利の期限ではなく、昨今の過払い金返還請求の案件 が増え、裁判所側が「これ以上、返還請求を受付けません。 」的な動きがあるということでした。 この情報を確認したいのですが、詳しく知っている方、ご回答お願いします。
  • 「この情報」というのが具体的にどういうところで耳にされたどういった情報かわかりませんので、ご参考までに…ですが。 過払金返還請求は、法的には不当利得返還請求なので、10年の消滅時効があります。そのため、10年経過してると、請求できないというか、請求しても、貸金業者から時効消滅していると主張されます。 起算点は、最終取引日から、とするのが一般的だと思います。 最終取引日から10年経ってなくても、途中、完済して、しばらく当該貸金業者と取引してない期間があったりすると、貸金業者は、取引が分断しているといって、分断前の分については時効を主張してきたりします。 そのほか、武富士のように貸金業者が会社更生手続を採った場合、更生債権届出期間内に、債権者として過払金債権も届け出しなければならないといった場合もあります(ちなみに武富士の場合は、届出期間は2月末でしたが………。)。 結論的には、裁判所が過払金請求が増えたからという理由でこれ以上受け付けられませんといって拒否することはありえません。

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