取引中のサラ金2社に利息を払い過ぎている可能性があったので…

質問と回答
  • 取引中のサラ金2社に利息を払い過ぎている可能性があったので引き直し計算をしました。結果を今後の契約に反映させてもらいたいのですが、どうすればよいでしょうか? AC社 借入総額50万(返済残高約50万) 契約期間約7年 利率27.375% 各月の返済額1万5千円以上 P社 借入総額50万(返済残高約45万) 契約期間約7年 利率25.550% 各月の返済額1万5千円以上 以上の2件について、18%で引き直し計算をしたところ、AC社に関しては偶然前回の返済で完済状態になり2千円ほどの過払いが生じ、P社に関しては返済残高があと4万円程度、という結果になりました。 ほぼ滞りなく、規定額での返済を続けていたので、仮に延滞した時の遅延損害金分で誤差が出たとしてもそこまで大きい金額になる事はないと思います。ですが、方や業者のデータでは、両社とも返済残高が借入総額分ほぼ丸ごと残っているような形で、ここまでの差があるとまだ素直に喜べない現状です。 上記のとおり、AC社に関しては計算に間違いさえなければ完済している事になるのですが、こういう場合はどうすれば良いでしょうか?黙っていれば、今月も普通に返済をしないといけない形になっています。 ちなみに、業者に直接こういう相談をする場合、事故扱い(BL)になりますか?完済している業者に対しての過払い金請求は事故扱いにならないらしいですが…。もし、将来ローンを組む時の不利条件やクレジットカードへの影響がでる事を考えると、事故扱いは避けたいです。 ご回答よろしくお願いします。
  • アコムに関してはもうあなたが2000円貸してる状態ですので、借りてる人間が貸してもらっている人間をいくら事故扱いにしたくてもできないということです pも同様に4万1千円はらってしまえば...ということです

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