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  • 先日、過払い請求をしました。 先日、ある消費者金融に過払い請求の内容証明を送りました。2週間の期限が経ちましたが過払い金の返還に応じてもらえなかったので、裁判をしようと思います。(内容証明にも2週間経っても返還がない場合は裁判をするという内容は書いております。) そこで質問なのですが、今まで裁判はしたことがないのですが、裁判をするには、まず何をしたらよいのでしょうか?自分の住む地方の裁判所に行けばいいのですか?弁護士は自分で依頼するのでしょうか? また、過払いで裁判経験のあるかた、成功率はどのくらいでしょうか?金額的には15万円くらいです。満額返済は期待できますでしょうか? また、内容証明にも書きましたが裁判費用、弁護士費用は消費者金融側に負担していただくことは可能でしょうか? ちょっと急いでおりますので、よろしくお願い致します。 ちなみに消費者金融は株式会社ワールドです。 よろしくお願いします。
  • >今まで裁判はしたことがないのですが、裁判をするには、まず何をしたらよいのでしょうか? 訴状作って提出するだけです >裁判費用、弁護士費用は消費者金融側に負担していただくことは可能でしょうか? 裁判費用、つまり訴訟費用を請求するなら判決で「訴訟費用は被告の負担とする」との判決が必要です。訴訟費用とは訴状作成費用(1500円~)、訴状貼り付け印紙代(訴額に対してなので15万なら二千円)、切手(約六千円分予納するが、終了後余りは返還され実質使った分だけ)、出廷日数分の日当(一日3950円)、出廷日数分の交通費(車10キロ未満なら一日当たり500円)等など。これらを判決確定後に訴訟費用確定処分の申し立てを別途申し立てしなければなりません。なお弁護士費用は例外を除き認められる余地はありません >自分の住む地方の裁判所に行けばいいのですか?弁護士は自分で依頼するのでしょうか? 義務履行地としてあなたの住所地を管轄している裁判所で出来ます。弁護士?そんなの不要ですよ。知恵袋内で検索すればたくさんの人が本院訴訟しているまたは本院訴訟した人が回答していることに気付くはずです。私も本人訴訟の経験者です。 >過払いで裁判経験のあるかた、成功率はどのくらいでしょうか? 和解及び判決の過払い元金以上100%です。というかまともに勉強した人なら過払いの訴訟でまけることなんて無いと気がつくはずです。例外といえば完済解約でのべつ契約を、同一の契約とみなし、一連計算したものを裁判所に別契約と認定されたり、そのために一部時効になることぐらいです >消費者金融は株式会社ワールドです。 個別企業の情報は今が「こう」であっても、あなたが訴訟を始めて和解や判決得る頃には状況が違っていたりします。あなたが体験することが最新の情報であり、それが正しい情報です。 ※内容証明まで送ったと言うことは少なからず返還請求の仕方を紹介するサイトや本を見たのだと思います。それらの情報発信元が正しい情報かどうかは私に知るすべありませんが、少なくともあなたが正しい知識を得る努力さえ惜しまなければどんな誤情報であっても見抜けるはずです。私の私見ですが今のあなたは情報を『鵜呑み』にするだけで、なんら自ら検証はしてないですよね?鵜呑みじゃなきゃ「内容証明」なんて今時送りませんよ?請求書ごときで満額返還する業者なんて消費者金融では皆無ですから。内容証明なんて、本人請求の私からしてみれば、弁護士や司法書士などいわゆる専門家が手数料稼ぎにためにワンクッションおくためにとる手段であり、あわよくば返還に応じるなら「満額未満」でも合意する不誠実な専門家がとる手段でしかありません。必ず鵜呑みにせず自分で勉強してくださいね。それが一番早道ですし、依頼するにしても間違った人選しない必須事項です。

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