過払い金の手続きを行おうと思うのですが知人から、弁護士な…

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  • 過払い金の手続きを行おうと思うのですが知人から、弁護士などに頼むと、ブラックリストに載り、お金を借りられなくなるから、 自分で過払い金請求を行えばリストには載りにくい。と、聞いたのですが本当でしょうか? また、自分で行う場合と、弁護士に頼む場合の、メリット、デメリットはあるのでしょうか? 更に、消費者金融『サラ金』から借りられなくなるのは構わないのですが、銀行からの借り入れ、車のローンなども組めなくなるのでしょうか? 無知なので何か凄い社会的にマイナスな事をやってしまうように思い中々踏み出せません。 どなたか適切なアドバイスをお願いします。
  • 弁護士・本人問わず、過払い金請求をしたらブラックリストに載ります。 載りやすい・載りにくい、ということはないですよー。 ブラックリストは7年間、この間は銀行のローンは諦めてください。 まずポイントとして、完済後の過払い金請求でなければブラックリストに載ります(完済後なら大丈夫) でも、2010/4/19から日本信用情報機構が「新規登録の受け付けをせず、また登録されている情報についても削除」します。 日本信用情報機構とは、つまりブラックリストを作っているところ。 銀行や信販などは、ローンなどを組む際に、この機構に照会をかけて「〇〇ってブラックリスト?」というのをやってるわけです。 その大元の情報源が、新規の情報を入れない・古い情報を捨てる、と言ってるわけで。 つまり、完済してなくても、4/19以降の過払い金請求はブラックリストに載らない!!! 過払い金請求は、「取引履歴の開示」「利息の引き直し」「請求」のステップですので、過払い金請求をしたいなら4/19までに履歴の開示と利息の引き直しまでやっておくとスムーズかと思われます。 最後にデメリットとメリットを。 弁護士: デメリット、着手金などのお金がかかる。 メリット、手続きは確実。サラ金の連絡先も弁護士になるので、自分で対応する必要がありません。 自分: デメリット、書類作成など自分でやらなくてはならない。 メリット、着手金などは発生しない。一度、訴訟手続きなんてやってみるのも社会勉強になるかも? 最近は、自分で過払い金請求手続きをするためのhowtoサイトもありますので、自分で手続きをすることも十分可能ですよ~ http://www.kabarai-manual.net/

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