過払い金返還請求についての質問です。

質問と回答
  • 過払い金返還請求についての質問です。 2社の消費者金融から借り入れがあり返済中に弁護士事務所へ依頼して引き直し計算をしてもらいました。 担当の弁護士からの説明では引き直し計算により 借入残額が減額された場合は5年~7年はブラックリストに載るので新たな借り入れはもちろんのこと、自動車ローンや住宅ローンなども組むことは出来ないと言われました。 数日前に弁護士事務所から連絡があり引き直し計算をしたところ債務はゼロになり、更に過払い金の返還も出来るとのことでした。 この場合でもやはりブラックリストに載り、新たなローン契約等は出来ないのでしょうか?
  • 1 契約上残債がある時に債務整理を依頼すると、弁護士より債務整理の受任通知を業者に送り、債務整理となります。 2 受任通知を受けた業者は、指定信用情報機関に「債務整理」と登録する業者と、業者が引直計算し、過払い発生した場合は、「債務整理」を登録しない業者もあります。 3 「債務整理」をつけた業者と過払い返還訴訟し、訴訟上の和解や勝訴の場合は、「債務整理」にあたらないので、信用情報は「完済」になります。事故情報にはなりません。 4 しかも、引直計算で過払いに転じた時期が、5年以上前なら、契約があったこと自体も削除されます。 これは、完済から5年を越えない時までの登録期間に該当するからです。 5 以上のことは、指定信用情報機関が、正しい信用情報を登録することになっており、和解書、判決書があるにもかかわらず、業者が「債務整理」を削除しないなら、指定~機関に調査を依頼し、業者に削除させます。 ★ということで、一時的には事故登録とする業者もあるが、訴訟提起し、和解、勝訴して、過払い・債務不存在を認めさせれば、指定信用情報機関は、いくら業者が「債務整理」とつけようが、指定~機関は、事実に基づき「完済」扱いにします。 その弁護士の言うことは、間違いです。 以上のことは、質問者様も、JICCやCICの機関に問合わせると確認できます。

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