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質問と回答
  • ニコスの過払い請求について詳しい方教えてください。 先日、取引履歴の開示を行い、引き直し計算された履歴が届きました。 過払い金が、少額ですが【3800円弱】発生しておりました。 一応、自分でも計算はしましたが、一緒でした。 その後、電話で担当と交渉をしたら、額が少ないので全額返還と言われました。 「5%の過払い利息およそ1300円は別につけてくれるんでしょ?」とこちらが聞くと、 現状では利息は支払えないとの事でした。 そこで、皆様にご教授頂きたいのですが、 この場合、利息の5%は諦めて元金全額返還の方がいいのでしょうか?? それとも訴訟にまで持っていってでも5%を請求掛けた方がいいのでしょうか?? 書留代などの費用を考えると微妙な金額だけに、正直迷っています。 どなたかアドバイスを頂けると非常に助かります。 宜しくお願い致します。
  • 貴方が返済時に「辛かった気持ち」等があったはずなので 「利息も返せ」という考えも理解しますが、「イヤミを言ってやった」という事で勘弁してやってください。 約1300円の利息返還のため(だけ)に「訴訟提起する」のは 印紙・切手(郵券)代と交通費を考えれば、完全に赤字になると思います。 少額の過払い元金を(任意)和解で満額支払ってもらえるのなら ニコスの提案を受け入れたほうが得策だと思いますよ。

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