プロミス過払い 昔クオークローンでお金を借りて、残高49…

質問と回答
  • プロミス過払い 昔クオークローンでお金を借りて、残高49万のまま、数年前にプロミスに切り替わりました。 現在も残高49万です。 過払いになっていると思い、取引履歴をプロミスとクラヴィ ス(クオーク)に請求し、計算したところ、 それぞれ個別に計算すると、 プロミス25万の残高、 クオーク25万の過払い、 一連計算すると、 過払いが数千円でした。 もういっせん一銭も払いたくないので、債務不存在を訴えたいのですが、プロミスは認めないですよね? 弁護士に依頼しても勝てるかわからない案件らしいですが、 弁護士も依頼を受けてくれるでしょうか?どの位費用かかりますか? 司法書士でも大丈夫でしょうか? 過払いが分かった時点で、債務整理するのはなんだか悔しいです。
  • 他の回答者は分かっていないかも・・ 質問者様の方がよく勉強してるね。 確かに、クオークローン~プロミス案件は非常に難しい争点があります。 弁護士でも勝てるか分からないのは事実です。 この件につきましては、今年の9月に最高裁で判例が出る予定なので、その後、弁護士司法・書士に問い合わせてみればいいでしょう。(自分で裁判も不可能ではありません。) 場合によっては、払わなければいけないことも覚悟しておいてください。 クオークからプロミスに切り替えたときの契約形態が「契約切替」なのか「債権譲渡」なのかでも答えは変わります。 現在時点ではとりあえず、自分でいきなり訴訟を起こしたりせず、待ちましょう。 補足 契約切替では別々の契約とみなされる可能性が現状では高いです。 債権譲渡だと過払い金も含めて全ての債権債務をプロミスが引き継いだと主張できるのですが・・ とりあえず、待ってください。 楽観せず、プロミスに支払う原資を少しでも貯めておいてくださいね。

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