過払い金について 第一回口頭弁論にて 被告ア○フルの答弁書内…

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  • 過払い金について 第一回口頭弁論にて 被告ア○フルの答弁書内容について 請求の趣旨に対する答弁(被告ア○フル)1、原告の請求を棄却する。2、訴訟費用は原告の負担とする。 なお、仮執行の宣言を付することは相当ではないが、仮にその宣言が付される場合には仮執行免脱の宣言及びその執行開始時期を判決が被告に送達された後14日経過した時とすることを求めるとの判決を求める。請求の原因に対する認否 原被告間の取引内容について 原告作成取引計算書のうち、取引年月日、貸付額、返済額については、追って認否する。原告作成取引計算書のその余の部分については争う。 不当利得について 過払い金については、争う。 悪意の受益者について 被告が悪意の受益者であるとの主張は争う。仮に被告が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送達の翌日とすべきである。 被告(ア○フル株式会社)の主張。 主張は追って準備書面にて提出する。 擬制陳述 第一回口頭弁論期日は出頭できませんが、本答弁書をもって擬制陳述とさせて頂きます。なお被告は現在本件について調査中であり、特に、原告の過払い金返還請求に対する抗弁として提出を予定している。過払い金の存在についての被告の主張及び過払い金の金額についての被告の主張を反映した取引計算書の作成に一定の時間が必要なことから次回期日の設定をお願いします。 以上 これを受けて第二回口頭弁論にはどのような準備、対応したら良いのでしょうか。教えて下さい。
  • どうってことない、朝鮮金融(サラ金)の定形的な答弁です。 一:請求の趣旨に対する答弁、 被告は誰もが同じことを言います。ここは定形的なものです。 ただ、仮執行について、ごちゃごちゃと朝鮮金融が火病的な論理矛盾の主張をしていますが、ここも無視して構いません。金銭給付に関する判決で請求認容となったら、間違いなく仮執行宣言がつきますし、万が一ついてない場合は、裁判所に申し立てれば、必ず付きます。 むしろ、判決到達後14日後とか言っているようですから、経営破綻であることを自白していると見なして、アイフルに対して民事保全法に基づく仮差押を申し立てておくべきでしょう。 まともな会社ならば、「仮執行はこれを許さない」と答弁して終わりです。金融機関が免脱とか送達後14日というのを訴訟で主張したら、手元に現金がないと言っているのと同じことで、金融庁の特別検査ものです。朝鮮金融だからこういう変なことを言うのです。 二:請求の原因に対する答弁、 1.取引年月日、貸付額、返済額については、追って認否する。 →破綻までの時間稼ぎですが、朝鮮金融アイフルが所有する取引履歴を精査して、後日提出予定の準備書面で答弁するということです。朝鮮金融アイフルの準備書面と証拠説明書の提出を待って主張するとしておけば十分です 2.原告作成取引計算書のその余の部分については争う。 →原告にその立証をしろと言っているので、過去の伝票やアイフルから入手した取引履歴を元に、質問者さんの計算が正しいことを準備書面で主張しますが、1の答弁で「追って認否する」と言っているので、その回答待ちです。これも上記1のように、さらなる被告の準備書面および証拠説明書の提出を待って主張するとしておいても構いません。 3.不当利得について 過払い金については、争う。 悪意の受益者について 被告が悪意の受益者であるとの主張は争う。仮に被告が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送達の翌日とすべきである。 →悪意の受益者であることは朝鮮金融だから明白なんですが、ここも悪意の受益者であることを過去の伝票及び取引履歴に、さらに取立状況等を総合的に鑑みて、悪意の受益者だと決めつけて反論します。これも上記2と同じです。 仮にと言っている場合は、ほぼ悪意の受益者と認めたようなもんですが、そうでないのならば、朝鮮金融アイフルが悪意の受益者でないことを主張するのを見て、適宜反論します。 利息を付すべき時期については、取引終了日の翌日からとしておけばよいでしょう。通例は訴状送達日の翌日ですが、悪意の受益者である以上、完済日の翌日からとしておかないと、質問者さんの主張が弱くなります。 三:被告(朝鮮金融アイフル株式会社)の主張。 主張は追って準備書面にて提出する。 被告の準備書面等の提出を待って反論するとしておけば十分です。 擬制陳述 第一回口頭弁論期日は出頭できませんが、本答弁書をもって擬制陳述とさせて頂きます。なお被告は現在本件について調査中であり、特に、原告の過払い金返還請求に対する抗弁として提出を予定している。過払い金の存在についての被告の主張及び過払い金の金額についての被告の主張を反映した取引計算書の作成に一定の時間が必要なことから次回期日の設定をお願いします。 →第1回口頭弁論期日に出廷しないのならば、原告の方でさらなる準備書面と証拠を提出して、「これにて結審して判決を出して下さい」と裁判長に申立てます。もちろん、裁判長はその申立てを却下または棄却しますが、度重なる擬制陳述の濫用であることを主張しておくということは忘れずに。

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