過払い金返還請求の際の「遅延損害金」の考え方について イ…

質問と回答
  • 過払い金返還請求の際の「遅延損害金」の考え方について インターネットを見ていましたら、ある弁護士さんの見解で、 「>返済の遅れがあっても、一貫して通常利率で計算します。」 「>遅延損害金金利(遅延利息)の適用はありません。」 というものがありました。 様々な解釈があるかとは思いますが、この理論が正しいとの前提とした場合、 この考え方では、例えば、「8日間遅延した」としてサラ金業者から8日分の遅延損害金が返済額から差し引かれている場合において、 この8日分の遅延損害金は支払う必要がないということでしょうか? つまりは、引き直し計算をする際には、 この8日分の遅延損害金は、支払う必要がないものとして『元金に組み入れることが出来る』ということなのでしょうか? 実務上の取り扱いなども含めてご教示いただきたく、よろしくお願いしますm(__)m
  • 返済期日を数日遅れたとしても、再度借り入れしたりして、取引を継続している場合、悪くとも信義則で遅延損害金の主張は封じられます。 この場合遅延損害金ではなく利息の利率(約定利息>利息制限法利息なら約定利息、約定利息<利息制限法利息なら利息制限法利息)で計算します。

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