いつも、ありがとうございます。

質問と回答
  • いつも、ありがとうございます。 弁護士さんに引き直し計算をしていただいた結果、 まだ返済中ですが、過払い金が発生しており、返済金はなくなり過払い金が戻るという結果になっていた のでアコムに過払い請求をすることにしました。 弁護士さんの説明では完済していないで過払い請求するので、一時的にブラックリストに載る可能性が低いけれどもあり、その場合は過払い請求が終われば消えるということでした。 アコムには直近の返済が5ヶ月ぐらい遅延していることもありましたが、過払いになっているものを遅延している場合、請求後にこの遅延情報も消えるのでしょうか。 それとも、過払い金が発生していても返済が遅延しているのは、関係なく載り消えるまで5〜10年はかかるのでしょうか。 ご回答をよろしくお願いいたします。
  • アコムの残債務有りでの過払い請求の登録パターンはJICCとCICでは違いますが解決すれば完済情報のみとなります。 請求以前の延滞情報については延滞当時既に過払い状態にあるなら当然に削除されます。 因みにあなたには無関係の様ですが延滞情報は延滞解消後一年間の登録後に削除となりますから勘違いが有るので念の為書いておきます。 ついでに完済の参考情報は5年を超えない期間で削除となります。

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