過払い金返還請求訴訟の第一回呼び出し11月9日を前に昨日…

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  • 過払い金返還請求訴訟の第一回呼び出し11月9日を前に昨日、アイフルの答弁書が届きました。準備書面を何とか、第一回呼び出しまでに作成し、裁判所に送りたいのですが、下記の答弁書の内容全てに反論が必要 でしょうか?以下アイフルの答弁書の概略です。 第一、みなし弁済の主張は行わず。 第二、悪意の受益者ではないことについて 第三、悪意の受益者ではないことから変換すべき範囲は、過払い元金の55%に留まる。(これは、グレーゾーンも収益として計上し、納税してきたと言う様なことです。) 第四、仮に百歩譲って悪意の受益者であったとしても、法定利息を付すべき時期は取引終了の翌日である 第五、取引の分断 (平成12年5月より10月まで、5ヶ月強の取引の無い期間があります。) 第五については、①最初の取引は平成9年9月から平成21年までの間で、5ヶ月という短い期間であること。 ②カードはそのまま自己で保有し、契約変更も無く使用したのみ ③最初の契約後、契約内容変更(増額、金利の引き下げ)で契約を結びなおしたのは、平成 14年6月であり、取引(残債有り)は継続していたこと、 等で反論は可能でしょうか? 第六、まとめ 最後に被告の計算書の後、 主意的主張 -20万強 過払い金を55%とする主張 予備的主張 -40万チョット 取引分断に元ずく金額 とあります。 分断無く、私の請求金額は85万弱です。 質問①、分断の反論は可能か、②上記第一から、第六まで全てに対し準備書面で反論が必要なのでしょうか。 ③それぞれに対応する準備書面の雛形などありましたら、教えてください。 色々調べて、反論の資料なども集めましたが、読んでいるだけで結構きつく、少しでも、皆様のお力をお借りできればと思っております。 どうか宜しくお願いいたします。
  • こんばんは。私もアイフルと第1回が11月9日で昨日答弁書を裁判所に取りにいってきました。同じ内容なので私が参考にさせていただいた弁護士さんの書面です。http://www.dcsatlanta.com/ 私は分断がないのでそれについてはよくわかりません。 お互い頑張って勝利しましょうね。

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