引き直し計算後、過払いが発生し返還請求をしたいと思ってい…

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  • 引き直し計算後、過払いが発生し返還請求をしたいと思っているのですが・・・ 引き直し計算後、4か月前から過払いが30万ほど発生していて、最終取引履歴にはあと残債が1万6千とありました。 すでに過払いが発生しているので、この分は払わないつもりなのですが、過払い請求する前に、相手に文章を送った方がよいのでしょうか? 過払い利息も最終取引時点で1万9千ほど発生しました。 返還請求をしたいと思っているのですが、利息はいつまでの日付で請求できるのでしょうか? あと返還請求書の文章を色々検索して作ってみたのですが、これで大丈夫でしょうか? 過払い金返還請求通知書 御中 平成20年9月 日 まずは、貴社におかれましては取引履歴の開示にご協力いただき、ここに御礼申し上げます。 御社から、送付していただいた取引履歴に基づき、利息制限法制限利率で引き直し計算をしたところ、別紙計算書記載のように過払い金が発生しました。 法律上認められた金員の支払いは完了しております。よって信用情報等における当方に不利になるような記載は一切無用に願います。 この過払い金に5%の利息(民法404条)を合わせますと、合計 円 になります。 つきましては、上記過払い金の返還要求を致します。 本書面到着後10日以内に下記口座までお支払いください。 何卒、ご理解の上、迅速な処理をして頂ければ幸いです。 万一ご返事、お支払いなき場合は不当利得金扱いとし[民事訴訟]にて請求致します。 尚、民事訴訟において請求する事になった場合は、判決前の和解の用意は一切ありません。 上記過払い金額に加え、延滞利息、訴訟費用なども含めてご請求させて頂く事を念のため申し添えて置きます。
  • 利息は、入金の日に至るまで請求できます。 請求書ですけど、どうせ無視されるだけですから、そんなのは送らないで、いきなり訴状を裁判所に提出した方がよろしいかと思います。 利息制限法は昭和20年代からありました。 その法律の存在を秘して、違法な利息をだましとっていたのはサラ金です。 法のなんたるかを分かっていない人の意見など気にせず、堂々と貴方の権利を主張してください。

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