取引履歴開示について。

質問と回答
  • 取引履歴開示について。 過払い金請求を検討しています。 アコムとプロミスです。 アコム残債80万(十数年取引) プロミス残債70万(十数年取引) まず、 ①業者の窓口で取引履歴の開示請 求してその場ですぐ貰えますか? ②開示請求しただけで、何かデメリットはありますか? ③過払い金請求した場合、仮に残債がゼロになっても、そのグループ会社(銀行、クレジットカード会社)からの借り入れに支障はでますか? 現在住友VISAカードを持ってますが、使えなくなったり・・・ 以上、無知ですみません。 詳しい方教えて下さい。
  • 電話して取引履歴取り寄せるまで二週間以上です。 履歴開示請求の時点で不利益ありません。 取引期間の長さから相当額の過払い発生していると推測できますが返済をどのようにしていたかで全く違いが出ます。 引き直し計算しないとわかりません。計算ソフトはネット上にあります。 あなたの借り入れ限度額が100万までなら18%それ以上なら15%の金利で引き直し計算してください。 過払い金が借り入れ残額を超えていたら あなたに返済の義務はなるなります。債務不存在ということです。アコムとプロミスに電話して返済義務ないこと伝えた上で過払い金を返して欲しいと言えばいいです。 向こうから和解提示あるはずです。和解するならよし しないなら提訴ですね 自分でできないなら弁護士か司法書士に依頼しましょう 介入費用 裁判費用 成功報酬などをひっくるめると 最低でも過払い金の25~30%はとられますが! 過払い状態なら単なる過払い金請求ですから信用情報にキズはつきません。 しかし今の残額内で債務が一円でも残るようなら これは債務整理の範疇に入りますから信用情報に傷がつき五年は癒えません!その場合は予め計算上で残債0になるように返済しておいてから交渉始めましょう 補足 プロミスは三井住友銀行 アコムは三菱東京UFJ銀行がバックです。即座に所有カードが解除されるなんてあり得ません。ただし契約更新とか新規契約に支障が出る場合はあり得ると思います。

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