先日過払い請求する為に4社に消費者金融に取引履歴を取り寄…

質問と回答
  • 先日過払い請求する為に4社に消費者金融に取引履歴を取り寄せたのですが、ざっとで構わないので過払い金額を教えて頂けますか? 金融会社 アイフル 契約期間 平成11年5月31日~平成18年12月5日(完済済) 貸付金合計 1,135,000円 入金合計 1,671,508円 利息合計 534,124円 元金充当 1,135,000円 利率は29.200% と書かれています。 4社とも同じような内容なのですが、この場合は過払い金は発生していますか? 大体いくらくらいの請求ができそうか教えて頂きたいです。 よろしくお願いします。
  • ざっとで構わないのであれば、このアイフルの場合 「1,671,508円未満」としか、答えようがありません。(誰であっても) 多分、貴方は過払い金が発生する事をあまり理解していないと思います。 7年半の取引期間で完済、それと限度額50万・利率29.2%は大切ですが 各合計額の提示は何の意味もありません。 この回答に気分を害されているかもしれませんが 一人一人の取引状況の違いで全然金額が違ってくるので 予測される幅があり過ぎます。(私は勝手に推測するのが好きですが) まして、取引履歴が手元にあるなら 誰にも聞かず、計算をしながら過払い金額が増えていく「楽しみ」を貴方から奪う事になります。 過払い発生後、業者に支払った返済金は「強制積立預金」ですから 計算する人間だけの楽しみです。(過払い金額が増えていく) その金額が出たら、他の3社について推測するのも 貴方だけの特権(楽しみ)なんですよ。 他人に推測で金額を聞いて、下回っていたらショック(残念)でしょ? 地道に御自分で計算したほうが楽しいですよ。

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