OMC過払い金請求について OMCの過払い金の請求をするために…

質問と回答
  • OMC過払い金請求について OMCの過払い金の請求をするために、取引履歴を取り寄せましたが、とりあえずOMCが開示したものの利子や計算が合っているのか確認したところ、どう計算しても合いません。 例えば5万を1万づつ、5回に分けて月をまたいで借り、最初の借入日の翌月27日に支払いました。 支払額 15378円 期間48日 適用利率 28.80% 発生利息 1009円 元金充当額 14369円 残金 35631円 という計算のものです。 単純に考えて 50000×28.8%×48÷365で計算すると利息は1893円になります。 5回に分けて借用したのでその都度利息を計算してみたり、月をまたいでいるので3万で計算してみたり、366日といろいろ計算してみたのですがやはり合いません。計算より利子が低いのも気になります。 引き直し計算するのに、リボ払いや残高に対しての利子の付き方はOMCの計算方法が必要でしょうか? そういった事関係なしに、18%の利率で引き直し計算してかまわないのでしょうか? 今現在も28%で借用した残金が30万ほどあり、現在も28%で返済をしています。 確実に過払い金が発生せいているはずなのでなんとか計算したいのでどなたか知恵を頂きたいと思います。
  • 引きなおし計算で必要なのは、貸借年月日とその金額です。それ以外は無視してかまいません。 http://kabaraikin.ehoh.net/

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