ニコスの過払い金請求について 開示回答書が届きました。
質問と回答
- ニコスの過払い金請求について 開示回答書が届きました。貸付金ー１０万円・貸付金以外２０万円。 まだ残金が残っている場合に、請求すると一括請求とかカードの解約をされますか？ よく自分で引き直し計算をするようにと書かれてますが、ニコスの算出とどれくらいの誤差がありますか？ １０万程度では、弁護士に依頼するより自分で請求した方が良いでしょうか？以前、無料相談へ行くと、 過払い請求すると、他のカードも使用できない可能性があると言われました。 平成12年～昨年までで、貸付金額93万、利息・損害金12万・支払い済115万 現在ショッピングのみ２０万 程度の残があります。 期限の利益損失日、平成23年7月。→この意味は何でしょうか？ ニコスが提示してきた金額と自分で引き直しした金額は、かなり違うのでしょうか？ ニコスで自分で請求された方など、今後自分で過払い請求する方法などアドバイスをお願いできたら 助かります。 （IDから個人を推測されるかと思い、変更したらチップ１０００あったのに、全てなくなりお礼をすることが できなくなりましたが、どなたかご親切な方、教えて頂けると嬉しいです。）
- awp様の回答を拝見して、あまり増加しないように思います。 というのも、利用元金が少額のようです、＞利息・損害金12万・支払い済115万・・・ですので、違法な利息の支払額が少なかったと思います。 でも、ご自分で引直し計算して確認して下さい。 補足 ＞ニコスが提示してきた金額と自分で引き直しした金額は、かなり違うのでしょうか？ ひとそれぞれです。 想像できると思いますが、借りた金額（元金）が多ければ多いほど、また年利率が高ければ高いほど、そして高金利の支払時期が古いほど、過払い利息は増加しますし、元金が－になるのも早いです。 過払い額から、買物分を引きます。 それでも、買物残額の支払が残れば、継続支払できます。 私の場合ですが、ニコスが初めに送付した債権届出書と銀行引落しをチェックしたところ、キャッシング利用時のATM利用料の105円や210円が抜かれており、通帳引落額の方が多かったです。 ので、再度、引出し手数料込みの実際の支払履歴を送れと電話して、送ってもらいました。 私は、ATM引出し手数料がみなし利息だと主張できる利用時期があるためです。 これをニコスに認めさせるには、勉強が必要です。 ＞貸付金ー１０万円・貸付金以外２０万円 ニコスは、自社有利な計算をしてきます。 平成12年から借りているなら、質問者自身で、引直し計算すると、－10万でなくて、それ以上の－12万とかもっと確実に増えます。 ぜひ、名古屋消費者信用問題研究会HPの無料ソフトで過払い額を確認して下さい。 絶対して下さいね。 ・（約定利率とは、契約で約束した利率です、カード送付してきた封書で細かい字の約款に書かれています）。
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