よく、『過払い金請求』とゆう言葉を実際みますが、どなたか…

質問と回答
  • よく、『過払い金請求』とゆう言葉を実際みますが、どなたかしたことはありますか??私は完済済み4件に支払い中が2件あります。 やってみようかなとおもうのですが、実際にやってお金が戻ってきた方いましたら、どのぐらいの借金を何年間返していて、いくら戻ってきたか?弁護士に頼んでからどのぐらいの期間で戻ってきたか、ぜひどなたか教えてくださいm(__)m
  • まず、返還される金額に関しては実際に取引履歴の内容次第なので一概に幾ら帰ってくると言うことは言えません。 どうしても弁護士や司法書士に相談する前に返還金額を知りたいのであれば、 個別に各金融会社に対して「取引開始から完済までの取引履歴」を請求して実際にご自身で利息を引きなおして計算するしかありません。 これは非常に面倒な作業で(取引が長くなれば長くなるほど)あまりお勧めはできませんし、 現在利用している金融会社より利用枠の停止などの処置を受ける可能性もあります。 また、弁護士や司法書士を通さない場合は取引履歴自体を「商法上の帳簿保管義務期限」を主張し直近3年間しか開示しない業者も中にはいます(弁護士や司法書士であればわりとすんなり開示します) 一般的に取引期間が長ければ長いほど返還金額は多くなりますが、取引期間が短い場合はたとえ完済していたとしても 過払い金はごくわずか・・・・と言う事態も起こります。 無論弁護士費用は過払い金の有無に限らず発生しますから過払い請求を起こしたものの回収出来た金額と弁護士費用を相殺すると手元には1銭も残らずに信用だけが落ちる(住宅ローンや車のローン等)という事も十分起こりうります。 一般的な目安としては取引期間が継続して5年以上ないと過払い金は発生しません(一括繰上げ完済時は除く) また5年超の取引があっても繰り返し融資を受けていた場合は5年を超過しても過払いにならない場合もあります。 また、完済口座に関しても請求は可能ですが、完済後に10年を超過している場合は「時効」となり過払いの請求は出来ません。 このページで「100万を10年払って30万帰ってきたよ」とか「50万を10年で30万取り返した」と返事があっても、貴方の取引に 当てはまるとは限らない(契約締結時の利息や取引状況)ので、本当に過払い請求を検討しているならば定期的に市役所等で 行われている「無料法律相談」に行かれてみては如何ですか? また期間に関しては訴訟前の下準備のスケジュール等もありますので少なくとも3ヶ月以上は見たほうが間違いないかと思います。訴訟自体が終結しない限り終わりはありませんから実際はこれ以上に遅れるケースもあります。

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