アイフル第一準備書面 アイフルから答弁書が届き準備書面を…

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  • アイフル第一準備書面 アイフルから答弁書が届き準備書面を作成しています。 ネットなどで見かけていたお決まりの答弁書10Pほどのものでした。 表紙に 1、原告の請求は破棄する 2、訴訟費用は原告、、、仮執行免脱、、、14日経過、、、の判決を求める と書いています。こちらに対する文面は必要ですか? 2Pに太字で①原被告間の取引内容について(取引年月日云々、、、、の内容) ②不当利得について(過払い金については争う) ③悪意の受益者(仮に悪意の受益者と評価されたとしても民法第704条の利息を付すべき始期は訴状到達の翌日とするべきである) の3点がかいてあり3Pからはアイフルの主張がずらずらと続き取引計算書と最後に被告主張額で締めくくっています。 色々調べた結果、意見が「同じ土俵に上がらず要点だけ書けばいい」と書かれている方や全てのアイフルからの主張にも反論としているお手本的な準備書面も拝見しました。 2Pの太字で書かれている物のみ反論として準備書面を作成したらいいのでしょうか? アイフルからの主張についても色々調べながら反論書面を作成できそうだとは思いましたが当方初めての訴訟なので同じ土俵に上がり、へたに突っ込まれる可能性があるなら避けた方が無難だともおもいまして質問させていただきました。 当方作成分 ①についての反論 訴状添付の「利息制限法に基づく法定金利計算書1」は,被告アイフルが作成した取引計算書(甲1号証)に基づいて作成したものであり,取引年月日・貸付額・返済額については,完全に一致する。 被告アイフルは,訴状添付の計算書を精査した上で,認否をされたい。 ②についての反論 これはどう反論したらいいのですか?過払い金について争いたいアイフルの認否はわかりますがどう説明したらいいのでしょうか? 平たく言えば「過払いが発生してるんだから払ってよ」が原告の意見ですよね。。「認否および争う」でいいでしょうか? ③についての反論 はずらずらーと反論づける資料を拝見しましたが重要判例の添付なども準備書面につけた方がいいのでしょうか? それとももっと簡潔に書く方法があるのでしょうか? 長くなりましたが答弁書にあるどこからどこまでを準備書面に当てたらいいのかが色々な準備書面例を見れば見るほど「ん?」となりました。 お手数ですがご教授おねがいします。
  • ①数字があっているかどうかの問題なので略。 ②被告の主張は独自のものに過ぎず論ずるに値しない。 だけで十分です。 ③判例などあなたがわざわざ出さなくても裁判官はわかっています。 それより、みなし弁済が確実に成立しない(ことを被告が認識していた)事情を主張立証しましょう。 たとえば、銀行やコンビニのATMから支払いをしたことがあり、その時は18状書面の交付がなかったなどです。

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