過払い引き直し計算。

質問と回答
  • 過払い引き直し計算。数年前に、完済済み。アプラスについて教えて下さい。アプラスから取引履歴が届き、早速引き直し計算をしようと思ったのですが、いまいちよく分かりません…。 JCB付きクレジットカード(ショッピングとキャッシング)1枚、リボ専用キャッシングカード1枚の計2枚の取引履歴が届いたのですが、リボ専用の方は、数千円の過払い。 問題なのが、クレジットカードの方なのですが、入力の仕方が分かりません。 履歴は3枚に分かれており、 1枚目が融資(キャッシング)売上一覧。 2枚目が立替(ショッピング)売上一覧。 3枚目が入金一覧。となっております。 2枚目のショッピングは関係ないとして、1枚目の融資(キャッシング)売上一覧を見ながら、その通り過払い計算ソフトの借入金額に入力しました。 過払い計算ソフトの弁済額の入力なんですが、3枚目の入金一覧には、入金日、融資返済金額、内元金、内利息、立替返済合計、内元金、内利息、遅損金、回収費用、立替費用、年会費の項目があり、いったいどの金額を入力していいか分かりません。 試しに、融資返済金額を入力していったのですが、過払いどころか、完済しているにも関わらず残債が残ってしまいます。 立替返済合計は毎月結構な額になっているのですが、この金額はいったい何なんでしょうか? また、過払い計算ソフトの弁済額には、どこの数字を入力すればいいんでしょうか? どうにか自分で過払い請求したいと思っております。 ややこしい質問ですいませんが、どなたかご存じの方がいらっしゃいましたら、よろしくお願いします。
  • 実物を見たことはありませんが、内容見た限りでは3枚目の融資返済金額を入力すればいいと思います。 それで正しければ、1枚目のキャッシング売上一覧の合計金額と、3枚目の融資返済金額のうちの内元金の合計が一致するはずですから内元金の合計=キャッシングの合計になるかをはじめに計算してみてください。 補足 内元金+内利息=融資返済金額になるはずですから、他に間違いがなければ過払いになるはずです。 日付前後したりして日数がマイナスになってたりしてないですか?

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