アコム過払い金について 平成11年8月から平成23年11月までア…

質問と回答
  • アコム過払い金について 平成11年8月から平成23年11月までアコムと取引があり、最初は30万の枠で最終的には170万枠まで行き、借りたり返したりの繰り返しでしたが平成23年の12月に一括返済を行い、過払い請求を弁護士に依頼しました。平成19年の7月に15パーセント金利に変更してもらい、それ以降の取引では過払いは発生していないと思います。 そいで弁護士さんに取引履歴の請求から全て任せ、訴訟を起こす予定なんですが、、、先日、弁護士さんが取引履歴からの計算で過払い金が約260万発生していると連絡があり、、、『160万の間違いでは』と問い合わせると、260万ですとキッパリ。。。。。 まー取引履歴を見せてもらい、計算書を見ればわかるもなのですが、、、そんなに発生するもんなんでしょうか??? おおよその取引、平成11年8月残30万~借りたり返したりの繰り返しで平成18年7月残170万、平成18年7月~平成19年7月残170万 現在一括返済債務無し。。。
  • どうして巨額になったのかという理由は、「一括返済」したからですよ。その時点ですでに大幅な過払い状態だったのに、盗人に追銭みたいに、余計な大金を振り込んでしまったから、一挙に金額がふくれあがったのです。 その一括返済は、実に無駄なことをしましたね。それを全額取り返したところで、そのうちの20%くらいを弁護士に成功報酬として持って行かれるでしょうから、あなたは大損したことになります。 ですから、過払い金があるのではないかと気づいた時から返済を中断して請求した方が被害が少なかったのですよ。返済中の過払い請求でも、信用情報が傷つくようなことはありませんから、あなたは何も不利にはならなかったのです。 いまさら過ぎた話なので、あなたが悔しがるだけのことですから、よけいなことかもしれませんが、他社にも過払金があるなら、おなじようなことはしないほうがいいですよ。

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