過払い金請求の分断、時効について 長文ですが、よろしくお…

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  • 過払い金請求の分断、時効について 長文ですが、よろしくお願いいたします 現在、オリコ相手に過払い金の返還請求を求めています。素人で、時間もないので弁護士さんに依頼をしました。過払い金額を計算して頂いたところ、500万円弱あるようです。昨日、弁護士さんから電話があり、訴訟にするか、残金0円での和解にするか決めてくださいと言われました。弁護士さんの話では、訴訟をしても分断が認められる可能性が高いとのことです・・・その話に納得がいかず、来週、弁護士さんと話す予定にしていますが、その前に少しでもいろいろな情報を知っておきたいと思い、ご相談させて頂きました。 まず、オリコとの内容は以下の通りです。 ・オリコとの取引は10年以上前から。ずっと借りては返しを繰り返していました。 ・途中、取引なしの期間があります(1年程度を3回ほど) ・現在、残金が60万円程残っています オリコ側は、分断、時効を主張しています。それに対して当方でも一連の取引であるという証拠(再契約等なし、カード返還なし、取引履歴や新規に利用した時の利用案内等の紙(契約年月日記載あり)などあります)をそろえようとしていたのですが、弁護士さんの話では、最近の判例では、一連の契約に基づくと判断されても、分断が認められるようになってきているというのです。そんなことはあるのでしょうか・・・話では、地裁・高裁での判決はあまり期待できないという感じでした。 もう少し早かったら良かったね…と言われました。でもやっぱり諦めきれません。親の借金で苦労した分、半分でもいいので取り戻したいと思っています。 まず、最近では、このように一連の取引であっても分断が認められるのでしょうか?何だかこの時点で私には訳がわかりません。電話なので捉え違いをしたのかもしれませんが・・・ あと、分断は期間の問題ではなく、事情であるというのを目にしますが、事情とは、どういったものを指すのでしょうか? 乱雑な文章で申し訳ありませんが、よろしくお願いいたします。
  • 弁護士は、裁判官の判断が割れそうな場合は、厳しい結論を依頼者に説明します。 その弁護士の説明は妥当です。 ゼロ和解が妥当かどうかは別として、分断についての弁護士の説明は間違っていません。 知恵袋の都合のいい回答を真に受けないでください。 本人訴訟なら、いくらでも答えますが、弁護士依頼の人に「勝てますよ」なんて回答したところで、余計なトラブルを作るだけです。 納得いかないなら、地元の他の弁護士に、証拠持参の上、聞きまくってください。

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