消費者金融の利息について質問です。

質問と回答
  • 消費者金融の利息について質問です。 8年前より複数社に借り入れがあり、今も返済中です。 最近ようやく利息制限法のことを知り計算したところ、現在も初期契約時の利息で返済していることが分かりました。 利息制限法を超えているのは、 アイフル 23.725% アコム 27.375% 取引履歴は現在請求中なのですが、その前に返済日が来てしまいます。 ※この返済日は通常の返済日を過ぎてしまい、連絡がきてから約束した返済日です。約1ヶ月遅れ。 そこで質問です。 ①2社ともに請求してきた返済額は上記の利息によるものでしたが、これを利息制限法による利率で返済してもよいか? ②アイフルは最終的に130万円まで借り入れたので15%で計算してよいか? ③この場合、今後の過払い金請求にて不利になるか? 調べてみた限りでは問題ないと思うのですが、法律等に詳しくないので不安です。 また馬鹿な話ですが、債務者という立場なのでどうしても遠慮がちになってしまいます。 御回答宜しくお願い致します。
  • 8年取引があるなら、過払いかそうでなくても、残債務は0にかなり近づいているだろうから、別に次回の返済日に支払いなどすることないと思うよ。 ただ、貯金はしておいて、残債務が残るようならすぐに支払えるようにしておいた方がいいでしょう。

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