消費者金融「アコム」について質問です。

質問と回答
  • 消費者金融「アコム」について質問です。 当方、7年くらい借りたり返したりと利用しています。当初は120万円くらい借りていましたが現在は66万円くらい残っております。 金利は当初18%近く払っていたかと思うのですが、4年位前から15%くらいで借りたり返したりしています。 近々まとまったお金が入るのでこれらを完済したいと思うのですが、よくある「過払い」がないか気になります。(なんの根拠もありませんが、はたして金利15%を払い続けて妥当だったのか??) アコムに直接「過払いがないか?」と聞いたとしても「ありません。」といわれればそれまで、弁護士にお願いすればいいのですが、お願いすれば数万!?掛かる!?と思うのですが、お願いしたところで「過払いはありませんでした」ということであれば「完済金」と「弁護費用」が掛かると思うのですが、、そのまま「完済」しても当方は「損」しないでしょうか? どなたかお分かりの方お教えください。
  • 取り合えず、 ①、『取引履歴が欲しい』とアコムに電話する。 アコムは電話した翌日くらいに有人店舗で受け取る事も出来ます。 ②、引き直し計算であなたが本来返済すべき金額を知る。 これが大事です。 アコムに「過払いがないか?」と聞いても答えてくれませんよ! ですが取引履歴はくれますから、 それをもとにまずご自身で計算して下さい。 計算方法は知恵袋内を『引き直し計算』で 検索すると色々とQ&Aがあります。 弁護士費用の心配する段階ではありません。 現状で『そのまま「完済」』したら損しますよ!

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