夫婦で過払いがあるかどうかすらも分からないのですが書類等…

質問と回答
  • 夫婦で過払いがあるかどうかすらも分からないのですが書類等が無くても弁護士や司法書士の過払い無料相談で過払いがあるかを調べて貰えるのでしょうか? ⚫︎過払いがあるかなと思われる業者 夫= 8年位前にライフカードのキャッシング(当時の金利不明)¥300,000-を20回分割払いで1回と、¥10,000-〜¥50,000-を1括払い〜3回分割払いで数回。 全て完済しています。 妻=14年前にセディナの医療ローン(金利24%)¥100,000-を10回の分割払いで1回。 (これはもう時効ですよね) 8年前にセディナの医療ローン(金利不明)¥250,000-を15回分割払いで1回。 以上です。 アコムやレイク等のマチ金(?)からは両方ともお金を借りた事は有りません。 ヤミ金も有りません。
  • 過払いと言う概念は無担保融資に対してです。 医療ローンは割賦契約でショッピングと同じですから利息制限法の利率を守れとは一言も書いていないので旧出資法の年利で契約されていても過払い発生とはなりません。※概ね出資法の上限を守る努力目標とする、としか規定されていない。 割賦契約と無担保融資である金銭消費賃借契約を混同してはいけません。 ライフは一度倒産していて現在はアイフルの子会社です。過払いの有無はその返済方法なら基本ないと思いますが推測でしかないので確認は必要です。請求は一筋縄ではいかない相手ですから依頼するのなら法律事務所でしょうけど借入期間から発生金額は僅かだと思いますから依頼料と報酬で手取りは数千円の可能性もあります。 銀行本体がクレジットカードを発行するわけではなくて提携するカード会社が銀行のカード部門子会社を介してその銀行のカードを発行していましたが、過払いとなる利用形態もありましたよ、リボ払いではなくてマンスリークリアの1回払い利用などの時。まぁ、10万利用1回あたりで千円とかですけどね。 過払いって負担しなくても良い利息なんだから、無くて残念ではなくて無い方がいいんですよ。

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