過払い金請求について 過払い金請求について聞いたお話しで…

質問と回答
  • 過払い金請求について 過払い金請求について聞いたお話しですが、 「残額あり(取引中)」の状態で消費者金融業者やカード会社に 過払い金請求をするのではなく、「完済して契約を終えてから 過払い金請求を起こす方が良い」と言われました。 やはり、その通りなのでしょうか。 また、消費者金融ではなく、カード会社に対して過払い金請求を 起こすことで生じるデメリットみたいなものはありますか? よろしくお願いいたします。
  • te_71levinさんの回答には間違いありませんよ。 「残あり」とは、「約低利息で計算(つまり貸し金業者側の計算)すると、残ありとなっている」というのに過ぎません。 「法定利息(つまり法律で決められた利息)で計算すると、すでに完済していて、しかも払いすぎている」というのが「過払金」です。 ですから、「残額があるのに過払い」というのは本来は矛盾していますので、ありえません。残が無いから過払いなのです。過払い状態なら、今払っているお金は「残」ではなく「過払金」の上乗せに過ぎません。 過払い状態なのに、その過払いを増やし続けることには何の意味もありませんので、過払い状態であるなら、ただちに返済を求める交渉をするか訴訟をおこすとよいでしょう。信用情報は、一時的に「遅延情報」が載るとがありますが、それも解決後に削除を求めれば削除されますので心配はいりません。 ただし分断による時効などの争点があって、敗訴すると残ありになってしまう、という場合は慎重に考えないといけません。その場合は、絶対勝てるという自信がなければ完済後の訴訟を選ぶほうが無難です。 カード会社に過払金の返還を求めれば、そのカード会社とのおつきあいは、続けられません。そのデメリットが、取り返せる過払金より大きいと感じるなら請求しないことです。

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