消費者金融の過払い金について質問があります。

質問と回答
  • 消費者金融の過払い金について質問があります。ノーローン(シンキ)で20万円の枠内で借りたり返したりを繰り返してきました。最終返済日が2004年8月で終わり、借り始めからは3年程期間がありましたが・・・ この場合は過払い金の返還をうける事は可能でしょうか?可能な場合はどれぐらいの返還があるのでしょうか?
  • 過払いの時効は完済から10年なので4年経過なら問題ないです。取引開始が2001年なら大概の消費者金融は27%前後の金利で営業してた頃なので、いくらかは過払い金が発生はしてると思います。 でも、取引期間が3年だと過払い金はおそらく少額です。 ①消費者金融から取引履歴を請求 ②履歴から引き直し計算で過払い金を算出 ③消費者金融に過払い金を請求 ④消費者金融が応じなければ訴訟等の法的手段 簡単ですがめんどくさいですよ。参考までに。

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