過払い金の返還について教えて下さい。

質問と回答
  • 過払い金の返還について教えて下さい。 ワイドと三和ファイナンスから借入限度額五十万で借入していました。 今年2月に東京スター銀行のおまとめローンを使ってこの2社を返済しました。ワイドからは最初の契約書から支払い完了後の受領書まで郵送されてきたのですが三和からは最初の契約書は送られてきたものの契約日が無記入です。多分同時期の借入だったとは思うのですが。ちなみにワイドに関しては契約日は平成16年3月23日で最終貸し付け日は平成19年7月22日で最終貸付直後残高が474384円です。今年2月27日に一括返済した時の金額は372622円です。借入利率は実質年率29.2%です。三和ファイナンスも限度額は五十万でその枠内で借入してました。ワイドには月26000円、三和ファイナンスには月20000円どちらの会社も私の住んでる地域には支店がなく毎月銀行から振込手数料をかけて振込返済していました。最近過払い金の返還請求についてよく耳にしますが、皆さん借入元本がもっと多い人が請求をしているような気がしますが、借入期間5年以下、借入金額五十万の私でも過払い金の返還請求について考える事が出来るのでしょうか?良かったら教えて頂けますか?質問内容がごちゃごちゃしててすみません。どうぞよろしくお願いします。
  • 完済したなら必ず過払いになります。過払いとになる仕組みが分かれば後は算数さえ出来れば理解できます。ちなみに一回払いでも過払いになりますよ 返還請求なら早くしたほうがいいのでは?引き直し計算した金額だけ支払ってしまえば債務不存在に出来たものを有利子ローンで借り替えたわけですから金利だけでもったいないですよ

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