消費者金融で借りたお金を完済してる場合でも、現在問題にな…

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  • 消費者金融で借りたお金を完済してる場合でも、現在問題になってる過払金は戻ってくるのでしょうか? 大手消費者金融5社から、8年前に合計250万円借り入れ。 現在は完済していますが、完済証は紛失しています。 過払いをどのくらいしていたか計算したいのですが、計算をどのようにすればいいかわかりません。 もし、弁護士に依頼しても、戻ってくるお金より弁護士費用が高いかもしれません。 このような場合、どのように対処しればいいでしょうか? すみませんが、アドバイスお願いします。
  • 完済していない場合は、取引期間により過払いが発生していないこともありますが、8年前に完済しているとなれば、確実に過払金が発生しています。 手順としては、まず、それぞれの業者に取引履歴を請求して下さい。大手の業者であれば素直に開示してくれるはずです。 次に、開示された取引履歴にしたがって、過払金の計算ソフトに借入・返済金をすべて入力します。 過払金算出の計算ソフトは、名古屋式とよばれるものと外山式と呼ばれるものが有名です。 どちらも、以下のサイトから無料でダウンロード可能です。使用方法はそれぞれのサイトを参照して下さい。 過払金の金額が確定すれば、いよいよ業者に請求するわけですが、ほぼ100%裁判所に訴えを起こさなければ返還してくれません。(交渉しただけでは返してくれません。) 弁護士や司法書士(請求額が1社あたり140万円以下)に依頼しても構いませんが、本人訴訟を行えば一切費用は掛かりません。(ほとんどの場合、1回~2回程度で裁判は終わります。) 多くの方が本人訴訟により過払金を回収していますので、費用が心配なら本人訴訟を検討してみてはいかがでしょうか。(特に難しいことはありません。) 本人訴訟については、『過払い 本人訴訟』などとググれば多くのサイトがヒットしますよ。 ただ、あまり過払金の回収についてご存じないようなので、一度、書籍等をご一読することをお勧めします。 計算ソフト 名古屋式:http://www.kabarai.net/index.html 外山式:http://homepage1.nifty.com/office-toyama/ 過払金返還方法についての書籍 http://www.amazon.co.jp/s/ref=nb_sb_noss?__mk_ja_JP=%83J%83%5E%83J%83i&url=search-alias%3Daps&field-keywords=%89%DF%95%A5%82%A2&x=0&y=0 健闘をお祈りします。

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