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  • 過払い請求について 質問させて下さい。 レイクから 1993~1999年と2003~2006年にかけて借り入れがありました。 契約は1993年にし、1995年と2003年に限度額を増やす手続きをしました。 しかし、思い出せないのですが 最終支払いの領収書に記載されている 『リボルビング契約日』 は 1998年11月 となっております。 今回 司法書士に依頼し、過払い請求を行ったんですが リボルビング契約日以前の過払い金については時効を主張しており 司法書士から 『1998年までの過払い金も一連計算して訴訟した場合、裁判官は総合的に判断しますので、完済してから約5年経っている点と2003年に新しくカードを作り直している点がマイナスの部分となりますので、裁判をしても結局1998年までの過払い金が時効消滅してしまう可能性はあります。 』 とのことで、 1998年以降の過払い金の満額での和解を勧められました。 因みに それ以前の過払い金は20万円あります。 この場合、やはり裁判に持ち込んでも負ける可能性が高いのでしょうか? 裁判をやるとなれば 裁判費用を払わなければいけないですし、金額も小額なので 負ける可能性が高いなら このまま和解に応じた方が得策なのか それとも負ける可能性が低く 裁判をした方が得なのか… 恥ずかしながら 知識もなく決めかねております。 過払い請求について詳しい方が居られましたら、知恵をお貸し頂けないでしょうか? よろしくお願いいたします。
  • 基本契約を一個として一連一体を主張して訴訟提起した場合の全面勝訴の可能性を探るならeven(五分五分)だと思います。 一見…司法書士は質問者に対して無難な方向性を示唆してはいるが「可能性が0では無い」限りはトライするべきです。20万は小さい金額でしょうか?質問者有利の判例も多数有りますよ。最終的には裁判官の判断ですが「為すべき事をせずに最初から妥協する姿勢こそ最大の敵」では無いですか? ※過払い請求そのものが当初は無理!とされてました…でも現状は周知の通り先人の努力と労苦の末にスタンダード化してます。質問者の様な案件も無数存在してます。 迷いを打ち消す知識と知恵を得る為に学んでください

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