過払い金について質問です。

質問と回答
  • 過払い金について質問です。 プロミスで50万円を借りて2年程かけて完済しました。 完済したのは今から1年半程前です。 それ以前にも30万円を借りて1年程で完済しました。 その時の金利はどちらも28%ぐらいだったと思います。 書類も何も残っていないので大体の数字です。 最近過払い金の返還等をCM等でよく目にしますが、金額も年数も少ないので弁護士等に頼んで過払い金の返還請求をしても元が取れないとは思いますが、個人でも請求ってできるのでしょうか? 勿論、法律家に依頼した場合に比べれば返還金は少なくはなると思いますが、できるとすればどのくらいの金額が返還されるのでしょうか? また、個人で返還請求したい場合どのような方法で進めれば良いのですか? 詳しい方ご教授よろしくお願いします。
  • 過払い金あるかどうかは微妙かな。あれば最終返済額程度かな。いずれにしてもプロミスから取引履歴取り寄せて 引き直し計算を自分でやって過払い金の発生の有無と金額を知ってから行動起こせばいいんじゃないですか。その間に、自分でしっかり勉強すれば知恵袋の回答を味方につけて法律家頼らずにできるんじゃにいかな。相手はプロミスですから、その気になって勉強すればできますよ。私は勉強不足で疑問だらけで司法書士に依頼しましたけど、今なら自分でできるかも…とわずかに後悔あります。知識豊富で本人訴訟乗りきった人もあれば、私のように聞きかじりや生半可な知識での回答もあります。結局は知恵袋頼みに陥らないことと自分で勉強することが大切です。また、主観による回答も多いですからね。

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