信販会社の過払い金請求で取引していない期間があります。

質問と回答
  • 信販会社の過払い金請求で取引していない期間があります。 学生の時に信販会社でカードを作りそれから3,4年(12,3年前)ほど利用していたことがあります。 就職をし収入が安定するとともにキャッシングはしなくなり、ショッピング枠もほとんど利用しなくなりました。 ですが、それも2年しかもたず転職することになり収入が無くなった月もあったので、またキャッシング枠いっぱいまで借りて凌いだ時期があります。 その時期に消費者金融からも借金をして、その時の借金の返済の為に5年ほどかかりました。 先日過払い金のことを聞き請求をしようと思っているんですが、時効が10年と聞いて信販会社の方が引っ掛かると思ったので調べてみると「分断」についてかかれていました。 私は2年ほどの間利用していませんでしたが、再度利用した時のカードは一緒ですし、契約変更もしていないので最初の取引からの請求に出来るのでしょうか?
  • 完済が今から10年以内であれば請求の対象です。 分断かどうかは状況次第です。 間が空いていると分断になる可能性が大みたいですよ。 どちらにしても取引履歴を開示してもらってからの事ですので、早いところ取りかかった方が良さそうですね。 http://saiseinokai.com/ 借金問題、過払いの無料相談所です。 とても為になるアドバイス、良い解決策を丁寧に教えてくれますよ。

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