過払い金請求の訴状の記載についておしえてください。

質問と回答
  • 過払い金請求の訴状の記載についておしえてください。 過払い金と債務の2つの取引を相殺した額を訴訟提起する予定です。 訴額と請求の趣旨に入れる金額はどうなりますか? 相殺するには利息から先に差し引くときいたことがあるので、 わからなくなりました。 取引1は過払い元金20万円、未払い利息が7万円 取引2は債務が8万円 ①訴額 120000円、請求の趣旨 190000円及び内金120000円に対する平成24年△月□日までの~ ②訴額 190000円、請求の趣旨 190000円及びこれに対する~ ①と②のどちらが正しいのでしょうか? よろしくお願いします。
  • こんにちは はじめまして 相当程度難しい論点になりますが・・・前提条件が違うとまったく違う話になってしまうので、、、下記の方ご指摘の「訂正点」もあわせて説明しますね。 ①同じ包括契約内で長期の取引空白期間がある→①へ ②包括契約を別にする二つの取引が縦に並び、取引時期が並存しない場合→②へ ③包括契約を別にする二つの取引が並存する場合→③へ ① 一連計算をします。あらかじめ第2取引について債務が残るという内容は、訴状では指摘しません。 訴額:最終取引日時点の元金 請求の趣旨:『「最終取引日時点の元利合計(27万)」及び内金「最終取引日の元金(20万)」に対する「最終取引の翌日(?)」から支払済みに至るまでの年5分の割合による金員を支払え。』 ② サラ金やカード会社のキャッシングについては、基本①のスタンスで書いて問題ありません。あとは、被告が取引の分断を主張の上、反対債権で第1取引の過払いと相殺を成す旨の主張を見て考えればよい。 それにもかかわらず、あえて、不当利得返還請求権を自動債権とし、被告の貸金返還請求権と相殺を成すの旨主張するのであれば、論点となります。 下記の方がご指摘のように、いつをもって相殺適状時と考えるか争われており、裁判例でも判断が分かれています。なぜなら、貸金債権が、消費者金融やカード会社のキャッシングサービス(包括的継続的金銭消費貸借契約といいます)では、いつをもって貸金債権の残額が確定するか定まらないからです。なぜなら、限度額の範囲内で、任意のタイミングにおける貸付と返済を予定しているからです。なので、期限の利益を喪失すれば確定します。 この点、貸金債権の最終取引日を相殺適状時と考える立場に立つと、説明も計算もシンプルですが、過払金を請求する側からすると不利な考え方になります。なぜならば、貸金債権の利息が18%であるのに対し、過払金に対する利息が5%だから、差額の13%分を損し続けることになるからです。 そこで、原告に有利な立場で主張するのであれば、まず主位的主張で①のとおり書き(一連計算主張)、予備的主張として、第1取引において発生した不当利得返還請求権及びその利息請求権を自動債権とし、第2取引で発生した冒頭貸付金○○円を受動債権として相殺の意思表示を成す、旨主張しますが、計算方法は一連計算を同じです。従って訴額は一連計算と同じものです。 おそらく被告は相殺適状時を争ってくるでしょうから、相当もめることになります。 ですので、原告としては、準備書面で第2取引冒頭貸付と相殺を成すことの合理性を主張立証しないといけませんが、裁判例は少なく認められるかは5分5分です。 ③ 最高裁にならい、過払金が発生した当時他に有効に存在した債権に充当する旨の合理的意思を認めます。計算は相当複雑になります。 なかなか難しい論点なので説明も難しいですが、二つの取引の概要がもっと詳細にわかると、適切な説明が可能になるかと思います。 追伸 awpjmga様 ご丁寧にフォローしていただきましてありがとうございます。ご指摘の通り、過払請求にあっては、本来予備的請求もへったくれもないわけでして、すべて一連でやればよいわけですが、主がそれをわかった上であえて聞かれているのかと「勝手に」思い込んだ次第で、その点「あえて」説明をさせていただいた次第であります。 第2取引について相殺をなす旨の主張は、判例タイムズの特集記事記載のとおり、現場裁判官の意見としても微妙なようでして、主流とはなりそうにありませんね。

115 件の回答があります。

186448 487544Glad to be one of several visitants on this incredible internet website : D. 376924

바카라사이트さんからの回答

585358 646042You created some very good points there. I did a search on the topic and discovered many people will agree along with your weblog. 25811

Eloiseさんからの回答

961154 510098Your writing taste has been amazed me. Thank you, very great post. 969113

카지노사이트さんからの回答

987569 106662Slide small cooking pot in the cable to make it easier for you to link the other big wooden bead for the conclude with the cord. 994230

럭스112さんからの回答

677402 570445This web-site is really a walk-through rather than the information you desired concerning this and didnt know who to inquire about. Glimpse here, and you will absolutely discover it. 859223

카지노사이트さんからの回答

982563 599517Really instructive and excellent structure of content material material , now thats user friendly (:. 449736

best university in ugandaさんからの回答

368532 934417I genuinely enjoy your website, but Im having a dilemma: any time I load 1 of your post in Firefox, the center with the web page is screwed up – which is bizarre. Might I send you a screenshot? In any event, keep up the superior function; I definitely like reading you. 457275

Institutional Repositoryさんからの回答

63945 957286Yeah bookmaking this wasnt a high risk determination outstanding post! . 185730

pornさんからの回答

451496 322924A actually exciting examine, I could possibly not concur entirely, but you do make some truly legitimate points. 595725

도미바카라さんからの回答

125007 10408Merely wanna state that this is really beneficial , Thanks for taking your time to write this. 521187

조커바카라さんからの回答

597709 870145Hey there! Someone in my Myspace group shared this internet site with us so I came to take a appear. Im definitely enjoying the info. Im bookmarking and is going to be tweeting this to my followers! Superb blog and outstanding style and design. 146909

https://przedszkolelidzbark.pl/さんからの回答

133675 407867Howdy! Would you mind if I share your blog with my twitter group? Theres a lot of men and women that I feel would truly enjoy your content material. Please let me know. Thanks 666729

Online Shoppingさんからの回答

599040 671921magnificent post, quite informative. I wonder why the other specialists of this sector do not notice this. You need to continue your writing. Im positive, youve a terrific readers base already! 554142

Chat with stripshowさんからの回答

154447 769246Glad to be 1 of a lot of visitors on this awing site : D. 408951

dragon pharma steroid reviewさんからの回答

8963 198492Aw, this was a really good post. In thought I would like to location in writing in this way moreover – taking time and actual effort to create a very great article but what / points I say I procrastinate alot and also no indicates apparently get something done. 555368

800306 128861if the buffalo in my head could speak german i would not know a god damm thing. What i do know is that the language of art is out of this world. 896368

182037 243068This is some great information. I expect additional facts like this was distributed across the web today. 252374

bitcoin exchangeさんからの回答

258365 800511There is visibly a bunch to know about this. I believe you made various great points in attributes also. 368810

Rudyさんからの回答

480771 828009Basically received my first cavity. Rather devastating. I would like a super smile. Looking a lot more choices. Many thanks for the article 339563

631884 264889I come across your webpage from cuil and it is high quality. Thnkx for giving this sort of an incredible article.. 652980

mini sex dollさんからの回答

115054 374142Following study a couple of with the blog posts on your personal site now, we truly like your way of blogging. I bookmarked it to my bookmark internet web site list and are checking back soon. Pls consider my web-site likewise and make me aware should you agree. 87596

anime wigs onlineさんからの回答

471013 385239really great put up, i undoubtedly adore this internet website, keep on it 908775

609735 999765Housing a different movement in a genuine case or re-dialed model. 868249

dobsonさんからの回答

iHLVFp http://pills2sale.com/ cheap viagra

Nathanさんからの回答

I live in London dabur shilajit gold vs zandu vigorex But Clark pointed out in a JAMA article today that there’s one person whose innumerable contributions made possible important work by hundreds of scientists: the unnamed 48-year-old patient who had the first multichannel cochlear implant in 1978. This patient, called MC-1, had a different implant inserted when the first failed in 1983 and had another one implanted in 1998. When he died in 2007, the structures in his ear were studied.

Lioncoolさんからの回答

I’d like to send this parcel to levofloxacin alcohol consumption
At the end of Bo’s trial last month, prosecutors demanded aheavy sentence, saying his “whimsical” challenge to charges flewin the face of the evidence. The court rejected Bo’s defencealmost entirely, aside from one small section of the briberycharge related to travel expenses for Bo’s wife and their son,Bo Guagua, paid for by businessman Xu Ming, for which it saidthe prosecution’s case was flawed.

Harold Jahn Utahさんからの回答

984795 877570As I internet site possessor I believe the content material material here is really excellent , regards for your efforts. 861665

DevSecOpsさんからの回答

965947 844080This is the fitting blog for anybody who desires to discover out about this subject. You notice a whole lot its nearly onerous to argue with you (not that I truly would wantHaHa). You undoubtedly put a brand new spin on a subject thats been written about for years. Good stuff, merely great! 591945

Sexy videoさんからの回答

168785 134256I was searching at some of your articles on this web site and I believe this internet website is genuinely instructive! Maintain on posting . 341424

replique montreさんからの回答

540023 36073Simply wanna input on few general items, The internet site layout is perfect, the articles is truly great : D. 300266

CharlesToikeさんからの回答

tinder date , tinder online
tinder date

roofer Bloomingtonさんからの回答

850498 456020Its amazing as your other weblog posts : D, thanks for posting . 259787

Myronimilmさんからの回答

single women online
dating

Javierfreskさんからの回答

tinder app , tinder dating app
tinder date

Javierfreskさんからの回答

tinder login, tindr
tinder app

Thurnorさんからの回答
Javierfreskさんからの回答

how to use tinder , tider
http://tinderentrar.com/

idnliveさんからの回答

140373 164607This is a wonderful internet page, could you be interested in performing an interview about just how you designed it? If so e-mail me! 442484

free dating sites in swedenさんからの回答

free dating sites in sweden

christian widow free datingさんからの回答

free dating video chat

dating site with free messagingさんからの回答

free online and free browsing dating sites

hiv dating sites for freeさんからの回答

free local dating and chat

free online dating rich guysさんからの回答

find dating profiles by email free

free thai women dating sitesさんからの回答

online dating sites free

free dating secretsさんからの回答

free dating sim maker

119428 398166I real delighted to find this web site on bing, just what I was searching for : D also bookmarked . 597117

Thurnorさんからの回答
토토さんからの回答

759771 151505I truly appreciated this gorgeous weblog. Make positive you keep up the very good work. Finest Regards . 550429

free sex dating web sitesさんからの回答

free native american dating site

watch polyamory married and dating free online

free dating no money neededさんからの回答

arab dating for free

free interacial dating site

free online mobile dating

Merziuziyさんからの回答

beginning keto diet

keto diet menu for beginnersさんからの回答

keto indian food

keto diet pills amazonさんからの回答

a keto diet

Thurnorさんからの回答
WilliamZizさんからの回答

senior women for sex
nude dating profile

WilliamZizさんからの回答

free dating sites
grinder dating site

johnanzさんからの回答
Kevinimapsさんからの回答

gay bar dating
jewish gay dating in maine
dating sites gay

Kevinimapsさんからの回答

gay latino dating
gay tx dating
dating site black gay men

1% free gay dating sitesさんからの回答

best gay dating sites https://gaychatus.com/

Kevinimapsさんからの回答

gay men’s dating
gay dating men
gay dating sites in my area

Kevinimapsさんからの回答

gay inscest roleplay dating
gay european dating site
gay guy dating straight girl

Kevinimapsさんからの回答

gay dating site mumbai
gay dating south jersey
free gay dating no money

Kevinimapsさんからの回答

gaywatch gay dating site
free gay dating no money
chicago gay dating

Kevinimapsさんからの回答

old gay dating
dating for gay daddies
gay dating in college

Melmterceさんからの回答
shootrubsさんからの回答
Propeciaさんからの回答

Propecia Online Online Consultation

optOpsyさんからの回答
Abelomiさんからの回答

http://buysildenshop.com/ – brand name viagra on line

Viagraさんからの回答

Le Viagra Est Il Efficace

dating a gay guyさんからの回答

gay dating websites list https://freegaychatnew.com/

Patricknoxさんからの回答

gay dominant dating sites
gay dating scammers in ukraine
one man gay dating site

Patricknoxさんからの回答

black man dating gay
the league dating gay
gay dating oklahoma

Excaxetleさんからの回答

http://buypropeciaon.com/ – finasteride

ivermectin human dosageさんからの回答

cialis lo mejor

cialis 5mg onlineさんからの回答

Order Metformin Without Prescription

HenryMarさんからの回答

gay dating grindr
gay dating largest site
gay dating younger older

gay dating in olympia waさんからの回答

dating a gay porn star quotes https://gaydatinglosangeles.com/

Gonexerneさんからの回答

https://buystromectolon.com/ – stromectol price

gay men dating womenさんからの回答

maricia gay harden dating https://gayonlinedating.net/

Braimagmaさんからの回答

https://buytadalafshop.com/ – cialis with dapoxetine

HenryMarさんからの回答

free black gay dating sites
free gay chat dating sites
top gay dating sites 2021

HenryMarさんからの回答

ebony gay dating
gay dating telephone
gay guys dating tips

MoummaLowさんからの回答
HenryMarさんからの回答

pure dating site gay
gay dating in austin
gay s & m dating sites

NIBATTISTさんからの回答
fichombさんからの回答
HeFsreisyさんからの回答

https://buyzithromaxinf.com/ – azithromycin tablet 250mg

Lasixさんからの回答

Package Cialis And Levitra

snilundさんからの回答
Priligyさんからの回答

Zithromax Dosage Strep Throat

Plaquenilさんからの回答

Cephalexin 500mg Uses

immohawさんからの回答
local gay speed datingさんからの回答
AsseriBewさんからの回答

http://buyplaquenilcv.com/ – plaquenil toxicity symptoms

writing an essay introductionさんからの回答

essays about writing https://essaywritercentral.com/

write a narrative essayさんからの回答

custom writing essays https://essayghostwriter.com/

canadian prednisoneさんからの回答

Amitriptyline No Rx Needed

Jaibiatlyさんからの回答
scierceさんからの回答

http://buyneurontine.com/ – what is gabapentin good for?

Wartikeさんからの回答
Gustavowetさんからの回答

personal statement service
write my paper cheap

custom writing essayさんからの回答

writing narrative essay https://essaytag.com/

payday loans onlineさんからの回答

hello my lovely stopforumspam member

What are the Types of Loans in Ohio depending on the purpose
Specific purpose payday loans in Ohio. Funds received in debt may be spent only for a specific purpose specified in the loan agreement.
Non-purpose loan. The debtor may spend the money received at his discretion.
Most popular specific purpose payday loans in Ohio are:

House loan. The most common, of course, is a mortgage when the purchased property acts as collateral for a loan. Sometimes a youth loan is issued, with lighter conditions for debtors. Still quite common is a housing loan that does not imply purchased housing in the form of collateral.
Car loan – payday loans in Ohio to a car or similar vehicle. The key is often the purchased goods, making the terms of the loan better. Also, loan conditions are improved: car insurance, life and health insurance of the borrower, and receiving a salary to the account of the creditor bank.
Land loan. To purchase a plot for construction or agricultural activities.
Consumer. For purchases in modern supermarkets, equipment stores, you can take a personal loan right at the point of sale. Often, specialists located there can contact the bank and get a regular or fast payday loans. Borrowed funds automatically pay for the goods, and the consultant explains when and how to re-pay the debt.
Educational loan. It is issued to students, as well as to applicants who have passed the competition, to pay for tuition at universities, colleges, etc.
Broker loan. For the circulation of securities, payday loans in Ohio are issued to an exchange broker, se-curities are purchased securities.
Others. Objectives not related to those listed, but agreed and approved by the creditor.

write college essaysさんからの回答

write my essay cheap https://essaysnet.com/

write my essay for me cheapさんからの回答

write a personal essay https://essaypoints.com/

writing a critical essay https://onlinecasinos4me.com/

topwritemyessay.comさんからの回答

write your essay for you https://online2casino.com/

cash casino gamesさんからの回答

casino welcome bonus https://casinoonlinet.com/

是非あなたの回答をお聞かせ下さい!