現在エイワと過払い請求で争ってます。

質問と回答
  • 現在エイワと過払い請求で争ってます。それなりにいけると思い、自分で訴訟したのですが、思わぬ抵抗に苦戦しています。詳しい方からのアドバイスをお願いします。 エイワの主張としては 被告の貸付においては継続的な包括契約は行っていない。また、第一貸付の際にも第二貸付が想定されたとか、その貸主と借主との間に、第一貸付過払金の充当に関する特約が存在するなどの特段の事情は存在しない。よって、計算は各契約ごと個別に行われる。また原告被告間の、借用証書には、1回ごとに精算するという預り金(過払金)返還事項があり、当時原告は1回ごとの精算に対して同意していた。完済分の借用証書は、原告に返却済みである。現在証書の控えを取り揃え中のため、取り揃え次第追って主張する。 と主張してきました。また、 第二小判平成20年1月18日判決によれば、、「基本契約1に基づく取引と基本契約2に基づく取引とが、事実上1個の連続した取引であると評価することができる場合に当たるなど特段の事情の無い限り、基本契約1に基づく取引より生じた過払い金は、基本契約2に基づく債務には充当されないというべきである。」とし「本件においては、上記特段の事情の有無について判断することなく上記過払い金が基本契約2に基づく取引に係る債務に当然に充当されるとした原審の判断には、判決に影響を及ぼすことが明らかな法令違反である。」としている。原告は借用書ごとの精算合意を踏まえた上で、債務に当然充当されると合意している旨の特段の事情について主張するべきである。原告被告間の取引には空白期間が存在するものである。 と釈明を求めてきました。 効果的な抗弁がなかなか見つかりませんので皆様のお知恵を拝借したいと思います。長々と申し訳ありませんがよろしくお願いします。
  • ちょいと厳しい意見かも・・・ 本人訴訟は自己責任ですし、思わぬ抵抗?エイワのような証書貸付なら当然個別取引を一連とは認めない主張出るのは当然です。また「なかなか見つからない」?返還請求の争点なんて個別取引を一連とみなすのが妥当か否かと悪意の受益者についてしかないといっても過言ではありません(一部営業譲渡等ハードな争点ありますけど)。 自分はこう思うけど皆さんなら?という質問できるほどもう少し勉強してみてください。とはいってもあちこちのサイト覗いて、たくさん「読む」だけですけど。 明日明後日までに必要な主張ですか?違うならもう一度一から調べてみてください。今だと質問し得られた回答丸写しにしちゃいそうじゃありませんか?私だったら多分しちゃいます。でもそれだとさらに反論あった時まったく余裕ないですよ。だから最低限自分ならこうするけどといった質問できるようになってからこの質問したほうがいいと、私は経験上思います。

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