過払い金返還時の5%利息について 先日、多額の過払い金を回…

質問と回答
  • 過払い金返還時の5%利息について 先日、多額の過払い金を回収できた方と話をしたのですが、その方曰く「取引期間が長かったので、戻ってきた過払い金+利息の方が自分が業者に払った利息の総額より多くなった」と言っていました。 つまり、一定期間以上グレーゾーン金利の取引を続けた後、過払い請求して5%の利息を含めた満額返還を受けると、長期に渡って消費者金融などを利用していたことが、結果的に利回りの良い財テクに変わってしまうわけです。 最高裁が判決を下した過払い返還時の5%利息は、あまりに消費者側に有利で金融業者にとって負担が大き過ぎるように思うのですが、皆さんはどう思われますか?
  • 払い過ぎた利息は返してもらっても、払い過ぎた利息を払う為、他の業者から借入して支払義務がないのに払っています。 結果的に利回りの良い財テクなどとは、どうして思うことができるのでしょうか? もっと早くに過払い請求が世間に知れ渡っていれば、どれだけ大勢の方の命が助かったことでしょう! 利息の支払でいっぱいいっぱいでした、5%の利息がつくより、それ以上の金利でよそから借りて多重債務にならざるをえなかったと思います。 なので、財テクではありません。

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