過払い金請求について 静岡銀行のハイカードローンと楽天カ…

質問と回答
  • 過払い金請求について 静岡銀行のハイカードローンと楽天カードのキャッシングを活用していますが、両社の返済分は過払い金請求で戻ってくる余地はあるのでしょうか? ハイカードローンは、10年近く中々返済が出来ません。 楽天カードは2年前程から同様に借り入れをしています。 よく消費者金融なら戻ってくると聞きますが、システムをあまり理解していないので、詳細を教えていただけるとありがたいです。 ちなみに過払い金請求をしたあとのデメリットなどあれば合わせて教えてください。 宜しくお願いします。
  • 静岡銀行ハイカードローンは、静銀ディーシーカード㈱が保証会社として基本の契約金利を年利14.5%で貸付していたものです。 融資額は90万が限度、更新時に増額されて100万を超えたとしても利息制限法の100万以上での上限利率は年利15%ですから基本契約上限利率が下回っているから過払い発生可能性は"皆無"です。 楽天カードの利用が2年前からなら貸金業法改正後3年も経過している事になるのでその時点で楽天カードが法律を犯して貸付する可能性もゼロ。 過払い発生は一切ありません。請求するのは自由だけど発生していない金額を虚偽請求するのは信用情報のデメリットという問題ではなく詐欺です。

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