過払い金について教えてください。

質問と回答
  • 過払い金について教えてください。 8年前に自己破産をしました。 ネットを見ていたら、過払い金が自己破産後に帰って来た例があるという事を知り、ふと思い出したのですが。。 弁護士さ んに8年前借金の相談にいった時、「10年以上キャッシングしてるならたぶん2社ぐらいは過払い金が帰ってくるかもね」と言われましたが、 戻ってきたクレジット会社の書類には 私が借りた毎月の明細書の金額の横に金利13%とと記載されている書類でした。 弁護士さんもさらっと 「過払い金はありませんでした」 と一言言われ、私も「あー。そっか」 で済ませ、自己破産しました。 でもこの頃過払い請求が成功した方達のクレジット会社を見ると、私が借りていた会社と同じ所が幾つかあり、なんで私はダメだったのかな?という疑問があり、ここで質問させて頂きました。 誰かお答えしていただけると嬉しいです。 長文で申し訳ないです。
  • 信販系でしょ? 信販会社のクレジットカードのキャッシングならリボ払いの利率は法定利息が多いし、法定利息を超えていたのはマンスリークリアの翌月1回払いキャッシングが多かった。 クレジットカード付属のキャッシング専用カードなどは最初から法定利息を守っていたものも多く、たまたまあなたの利用していたカードが法定利息採用カードだったのでしょう。 勘違いしないでほしいのは、過払いは無い方が良いのです。発生して取り返しても法定利息の高利を負担した事実は変わらないのだから。

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