過払い金請求は、弁護士、司法書士にとって、堂々正義の味方…

質問と回答
  • 過払い金請求は、弁護士、司法書士にとって、堂々正義の味方の立場で、仕事が出来るので、美味しい業務だとは思いますが、 もう、サラ金業法の改正から随分立ち、そろそろ、そう言った需要も終わったんじゃないかと思っていたのですが、今もラジオのCMをやってました。 後、何年位、この需要は有りそうなんでしょうか?
  • 今現在も過去から続く返済と借り入れの繰り返し利用をしている人は多いでしょう、と言うよりも過払い請求する人よりもずっと多いでしょう。もちろんここ5年の取引とかではなくて10年15年と言う人達。 最近の取引開始なら総量規制により年収に近い借り入れは不可能だけどそれ以前の契約者はある意味天井知らずで借り入れ出来たわけで、その返済は5年位ではとても完済できるレベルではないことも。 業者側が自主的に返金しない限りいくら契約金利を引き下げても長い取引をしている契約者の元本はなかなか減らない。なぜなら金利も下げて約定返済額も下げて契約者に対して負担が軽くなったと誤認させてさらに長期の利息を払わせる常套手段を講じているから。 完済後10年で時効ですが、過払いに気付かずまたは何らかの理由でしていない人の完済は10年先もあり得るので全ての請求がなくなるのは20年後かもしれません。もちろんボリュームは年々減っていますけどね。それは各社の決算情報で引当金の額を見れば明らかです。

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