契約した時の利率で今も返済していますが、過払い金は発生し…

質問と回答
  • 契約した時の利率で今も返済していますが、過払い金は発生しますか? 3年前にP社から50万円を借り、毎月1~3万円ずつ返済し、現在残高が約25万です。 契約した9年前の利率"25.550%"で現在も計算されいるようです。 過払い金返還を請求すると残高はいくらか減額してもらえるのでしょうか? 弁護士的なところに相談しようと思っているのですが、 相談料などの「報酬の相場」も教えてもらえると助かります。 また、過払い金返還請求をすると今後他社から新たな借り入れできないなどの弊害はあるのでしょうか?
  • ↓弁護士が開く事務所を法律事務所と言うんです。事務所に依頼するってことは、そこで働く弁護士に依頼するってこと。弁護士というより法律事務所の方が…って何が言いたいわけ?(笑)利率結構高い気がって、利息制限法超過なのか否かってだけじゃない。もしかして過払いそのものの仕組み知らない? 利息制限法の上限利率(元本が50万なら18%)を超えて支払った利息は無効。契約利率が利息制限法超過ならその都度支払った超過利息は元本に充当し、利息制限法利率で計算するとすでに完済していることになるのに、契約利率が利息制限法より高いために知らず知らず払い過ぎになること、これが過払い。 質問者様が、過払い返還を請求するといくらか減額~と書いてますが、過払いなら減額ではなく、「金返せ!」と言える状態。減額と言うのは過払いではないが、利息制限法本来の残高しか払わないぞと要求すること。 相談だけなら、今はほとんどの事務所が無料ですが、過払いかどうかは今までの借りたり返したりを利息制限法利率で再計算する必要があり、相談したらはっきりすることではありません。 再計算、それを「引き直し計算」という。これ自分で出来ますよ。 他のカードがって?過払いなら信用情報は「完済」。昔は「債務整理」でした。だから今は影響ないのだけど、九年も払い続けて完済出来ないのに、他のカードがなんて言う余裕あるんですか?

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契約した時の利率で今も返済していますが、過払い金は発生し… | お金いる.net 過払い金コーナー

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