消費者金融機関への利息過払い金返還請求についての具体的な…
質問と回答
- 消費者金融機関への利息過払い金返還請求についての具体的な質問です。 詳細な情報が得られないので、ここで質問です。 以下に具体例を挙げますので、宜しくお願いします。 消費者金融から以下の借金をして利息過払い金返還請求をします。デメリットやメリット及び試算される数字を知りたく、ご存知の方はお教え下さい。 債務例： １） 債務事例 a) 某サラ金から年利利息２７％で５０万円を１４年間借り続けており、利息のみ返済している為債務はほぼ５０万円ある。 b) 某サラ金から年利２５％で９０万円を１３年間借り続けており、利息のみ返済している為、債務は１００万円少し超。 c) 某サラ金から年利２６％で５０万円を１２年間借り３年前に完済し、昨年同年率で５０万円借りそのまま債務返済中 d) 某信販会社から年利２５％で５０万円を１２年間借り３年前に完済した。 いずれもa)-d) では融資返済の繰り返しで元本がなかなか減らずに利息をそのまま支払っている状態であった。 以上４件の債務と履歴があり、これらをまとめて過払い金請求をしようと考えています。（リーガル事務所一任にて） その場合、デメリットとメリット及び気をつけるべき点などありますか。 債務返済中のものは、敢えて費用が多くでる手続きをすることなく、過去取引での過払い金と相殺して現行の債務を支払い、過払い金が余れば受け取ることは可能なのでしょうか。 現債務を整理することで、事故扱いをされたくないので、完済した分の過払い金及び過去の支払い済み過払い利息を現行の債務に充てることはできるのでしょうか。 つまり、現在債務返済中（１２，３年超期間）のものの過去の過払い利息を返してもらうことはできるのか、という意味です。 その上で残った債務（法上の正しい年利）を整理することはできるのか、という質問です。 このあたりが非常に前面に出てこないので、知りたく宜しくお願いします。 業者が現行の債務を事故扱いすることが怖いのです。 上の例ではどのくらい戻ってくるのでしょうか。
- a）～ｄ）いずれもトータルで過払いになっているでしょうね。 ｃ）について、一旦完済しているということなので現在の５０万円の借入れは別個の借入れだと主張されるおそれがあります。ただし、最初の借入れを完済したのが３年前なら不当利得返還請求の消滅時効は完成していませんのであまり問題はないでしょう。 債務返済中の債務でも過払いになっていれば請求は止まります。業者からはゼロ和解を申し入れてくるでしょう。過払金を返還する形での裁判外の和解は、返ってくる金額がいくらかにもよりますが一般的にいって難しいでしょう。民事訴訟を起こすことが必要になってくるでしょう。 この場合業者が倒産するリスクがあります。 過払金返還請求をすれば、少なくとも当該業者から新規の借入れはできません。現行の借入れについて欠かさず約定弁済をしていようが同じことです。
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