■完済済の消費者金融大手3社に対し、過払請求と期間、信用情…

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  • ■完済済の消費者金融大手3社に対し、過払請求と期間、信用情報などについてご質問がございます。 またブラック・事故情報についてもお願い致します。 ご存知の方いらっしゃいましたら教えて頂けますでしょうか。 A社 50万(少し前に、完済) B社 最初50万⇒後に100万に増枠(数年前に完済) C社 40万(数年前に完済) 状況ですが3社ともに最初の借入時期は13~15年程前となります また3社ともに入金(毎月の返済額)と出金を繰り返していました 専門家を入れ債務整理や調停を行うと「弁護士介入」「債務整理」となり 「異動」いわゆる「ブラック」となると聞いたことがあります そこで確か6~7年ほど前ですがABCの3社に対し 「私個人で決定権者=支店長に直接交渉」し 「返済方法の組み直し(返済方法の見直し)」の依頼を掛け3社ともに呑んでもらいました こちらの主張・提案は 1 今後、残元金のみを分割で支払う旨 (今までの支払い分を金融会社の利益とし今後は利息を支払わない) 2 弁護士などの介入・債務整理・調停ではなく、契約者個人より組み直し依頼である旨 第3者を入れず双方の話し合いにより決めた結果(強制ではなく任意)なので 信用情報に不利な情報を載せないこと (いわゆるブラック、異動、債務・任意整理などの情報) 色々な交渉があり苦労しましたが呑んで頂きました その数年後、全情連・テラネットから個人信用情報を開示したのですが異動情報はありませんでした ・B社の考えは「支払方法の変更」ではなく一種の「和解」であるとし「和解書」なるものを交わしました ・C社は信用なのでと一切書類は交わしませんでした (代わりに約束が履行されなかった場合は今までの利息も含め請求と言われました) ・A社も「和解書」が必要でしたが返送していません ----------ご質問です---------- ①過払い請求ができる期間は何年でしょうか 最後の取引から10年とか聞いたのですが、、、 ②上記のように組み直し?和解?を個人で行い完済しましたが 過去の取引履歴は取り寄せられるものでしょうか (取引開始~和解の時期~完済まで) ③和解・組み直しを行った場合でも「過払い請求」はできるのでしょうか (和解書類を交わした交わしていないがあります) ④上記の経緯がありますが過払金が発生する可能性はありますでしょうか ⑤取引履歴を取り寄せ、和解した者でも過払金があれば請求できると仮定した場合、 和解前と和解後で計算はどのように考えるものでしょうか ⑥完済後に取引履歴の取寄&過払請求の行為は、信用情報にどのように載りますでしょうか 宜しくお願い致します
  • ①何年でも。但し不当利得返還請求権の時効は十年。期算日は「取引完了から」なので解釈により異なる場合あり ②当然できます ③できますが争点は増えてます ④発生しないほうがおかしい ⑤一連計算 ⑥変化なし。動かない車(完済済み)で事故は起きない ちなみに返済途中でも過払いなら「契約見直し、完済」。これは事故情報ではありません。

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