至急アドバイスお願いします。

質問と回答
  • 至急アドバイスお願いします。 私は某消費者金融で以前借りていたお金をH19年に弁護士に和解(過払い)手続きをしてもらい和解書の通り今年の5月まで支払いをちゃんと して完了したとばっかり思っていたら今日直接私の携帯に消費者金融から電話がありまだ残金が有ると言われました。 弁護士に電話してくださいと言ったら弁護士側は「処理したのが古いから直接本人に連絡して下さい」言われたらしく私に連絡が有ったみたいです。 とりあえず仕方がないのでよくよく調べてみたら完済予定の日付が間違えて和解書が作られているみたいなのがわかりました。 今日は弁護士事務所に連絡がつかず明日また連絡して確認してみますがその前に良かったら知恵を貸して下さい! 1、弁護士側の間違えみたいですが和解金はどうなるのですか? 2、相手の消費者金融にも話しましたが5月に完済したつもりだったのですが残金があるらしく先月分合わせて今月2ヵ月分いっぺんに払わないといけないものでしょうか?(生活ギリギリなので正直無理です。) 3、もともと弁護士が利率0、18%で計算したら294941円で和解金は372591円でした。5月までで288591円払っている事は確認出来ました。この場合和解金の残りは全額払わないといけないものでしょうか? 4、弁護士に依頼したのはH19年の事ですが古いからと直接契約者に連絡をふるものなのでしょうか? 5、今マンションを買うつもりで審査に向けて動いているのですが支障でるでしょうか?ちなみにCICには載りませんでした。またローンは旦那に合算のパターンです。 もうこれ以上言いなりになるのは嫌なので良ければいいアドバイスお願いします。
  • 追加 初めが公的機関の消費生活センターなら、そこに相談して下さい。対処方法を教えてくれます。 生活センターとは、消費生活センターなんですか? >弁護士は居ましたが・・ その弁護士から直接説明されたのですね? 事務長から聞いたのではないですね? 地元弁護士会ですね? 至急、その弁護士会に連絡して下さい。 むしろ、その事務所に言えば、もみ消されるかも知れないので、弁護士会に一部始終をお話下さい。 どこで見つけましたか? 業者はどちらですか? その弁護士と会って依頼しましたか? 法テラス経由なら法テラスに相談、 弁護士会経由なら弁護士会に相談、 無料相談所(悪徳があり)からその弁護士を紹介されたら、弁護士会に相談しましょう。 完済予定の日付が間違えて和解書が作られていても、支払額と回数には影響はないはずですが? …が、引直し計算すれば、残債務は圧縮できたはずで、和解書、取引履歴をもって、弁護士会に相談して下さい。 弁護士懲戒処分検索センターで、弁護士名を入れると、非弁提携や事務員に債務整理をさせたなど懲戒処分を受けていませんか? http://blogs.yahoo.co.jp/nb_ichii/folder/937920.html 5 債務整理の登録はなぜないのでしょう? JICCも開示したほうがいいですよ。 その業者にまだ借入金があるはずですが、完済となっていたら不可解ですね! ※とにかく、継続支払は保留にして、その業者と話す前に、弁護士会、最寄消費者センターで、検証してもらって下さい。 ◆今回のことがあってもなくても、ローン審査の前に信用情報機関の開示をした方がいいですよ。 最後の支払が完了しても、信用情報が即「完済 借入額0円」になるまでに時間がかかる場合もあります。

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