過払い請求に関して質問です。

質問と回答
  • 過払い請求に関して質問です。 約5年前に完済したキャッシングなんですが、100万円借りて利率が18%でした。 利息制限法で100万円未満は18%とあるので100万円は15%未満じゃなきゃダメだと思うのですが合ってますか? それが合っているとして、 15%に換算した時の過払い金が約9万円 そこから過払利息5%で計算すると約50万円になったのですが請求額はこれでいいんでしょうか?
  • 最初に100万借りて、残債務額100万からスタートなら、確かに15%以下でないとおかしいですね。 15%に換算した場合の過払い金9万円なら、大体そのくらいかなと思います。3~5年くらいかけて返済されたのでしょうか? そこから過払い利息5%、ですが、なぜいきなり50万になるのかわかりません。。 9万の5%は4500円ですよね。 1年で4500円、5年で2万ちょっと。 どういった計算をされたのでしょうか? また、過払い利息5%を認めてくれる会社は少ないです。裁判でも、争いがあり曖昧です。 さらに、過払い金は全額返ってくるとは限りません。 年々、返ってくる率が少なくなってますし、10万以下は返さないような会社もいます。(手間や費用を考えれば、そんな少額で裁判は起こされないだろう、という考えでしょうか。裁判で勝っても、任意に払わなければ差押えなどさらに手続きが必要ですし。) 裁判するなら、訴額は元金(9万)で、最終取引日以降の利息も含めて請求することになるかと思います。 あくまでも、ご質問から推測しただけの回答です。 早めに専門家に相談されることをおすすめします。

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