過払い金請求について教えて下さい 今借金している人は無料…
質問と回答
- 過払い金請求について教えて下さい 今借金している人は無料相談とかありますが、それによってもしも過払い金があったとしてその後ブラックリストみたいな物に載るんでしょうか？ またクレッジトカード（ＥＴＣ）などはどのくらいすれば使える様になるんでしょうか？それとも２度とキャッシュカードは作れない？ 無料相談といってもどこまでが無料相談なのかいまいち分かりづらくて
- ブラックリストも無ければ借金カードをキャッシュカードとも言わない。 キャッシュカードとは本来銀行などの口座から預金を引き出すためのカードの名称。 借金させる側は契約者の借金に対する後ろめたさを無くす狙いでキャッシュカードと呼称しているだけ。これに違和感を感じない人は借金を繰り返す予備軍です。 過払いが発生する状態とは違法であると認定された利息で融資された契約時です。 そもそも個人信用情報とは契約情報と毎月の取引履歴がただ単に記載されているだけです。借りた返した延滞したという客観的事実が記載されているだけ。 で、完済しているならもはや取引履歴を刻む事はないし業者側が当社は過去において違法となる金利で契約者に貸付していました・・・と今更宣言するような記載をするかどうかくらい常識的に考えればわかるはず。 過払い請求されるという事は今でも営業している会社なのだから企業イメージを考えたらそんな無駄な事はしない。請求されて任意でも裁判でも結局は和解です。判決取られたら金は返すはイメージ悪いでなんの得も無い。
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