- Claim for Refund of Overpayment
Those who succeeded in returning overpaid money
- Those who have given up because they don't have a contract or card on their hands.
- Those who have used consumer loans or credit cards to make a cash transaction
- Those who have borrowed money before 2008
- Those whose transactions with financial institutions have become vague
- Those who mistakenly believed that he/she would always be on the blacklist by requesting a refund
Such a person has succeeded in repaying the overpayment.
Please feel free to consult us for those who believe that they are unable to claim reimbursement of overpayment due to a mistaken assumption.
If the overpayment is made, it should be recovered!
In the first place, the reason for overpayment is that the statutory interest rate (15-20%) under the Interest Rate Restriction Law and the upper limit interest rate (29.2%) under the Equity Investment Law were mixed.
Even if the statutory interest rate was exceeded, there was no penalty, and more than 20% of loans were provided in various cases.
Since the upper limit of interest rate of the equity method was revised to 20% in June 2010, there is no gray zone at present.
In this way, if you borrowed money and repaid money in excess of the statutory interest rate, you paid what you did not need to pay.
As long as there is the fact that you were overcharged for something you didn't have to pay for originally, we think we should recover money (overpayment) as a legitimate right.
Advantages and Disadvantages of Overpayment Claims
Cases that have already been paid in full
| Advantages | Benefits may be recoverable from overpayment. |
|---|---|
| Disadvantages | There are no disadvantages in principle. |
Current and current repayment cases
| Advantages | in addition to the possibility of termination of debt repayment, overpayment may remain on hand. |
|---|---|
| Disadvantages | Demerit Credit Information may be registered as an accident property (black list). |
For such reason, do you neglect the overpayment that you care about?
I don't think I have any overpayment...
We can investigate it free of charge, so you will not lose it upon request.
We will investigate the overpayment free of charge and make an accurate judgment by calculating the amount of the overpayment.
Somehow, the process is troublesome.
It is our office that will take the procedure.Please leave it all.
After your request, our lawyers will represent you in all the procedures.
Please feel free.
Are there any disadvantages?
Answer all questions and concerns.
Although the borrowing conditions vary, we offer the best proposals based on accurate research.
It's likely to be on the blacklist..
In principle, debts are not listed on the blacklist when they are fully paid.
There is no need to consider a blacklist when borrowing has already been repaid.
Procedures for overpayment should be advanced as soon as possible!
This is because there is a possibility that it will be irrecoverable or that the amount of refunds will be reduced.
First, when more than 10 years have passed since the debts have been fully paid, the overpayment will become statute of limitations.
This prevents you from recovering any overpayment that actually existed in the past.
In addition, if a moneylender or financial institution that has lent money goes bankrupt, the procedure itself becomes very complicated.
There is also a possibility that the amount to be recovered will be reduced or irrecoverable in some cases.
Four more comfortable lawyers
① Clear and easy-to-understand fee structure
Attorneys' fees will be reimbursed from the overpaid amounts that were collected.
Please feel confident that no overpaid expenses will be incurred.
② Can be handled without cards or details at that time
The procedures for billing overpayment are required for the name of the company you borrowed and the address and date of birth of the company at that time.
It is possible to investigate in the memories of the past without a card or transaction details.
③ Privacy Considerations & Confidentiality
We will not neglect privacy considerations.
We will also make adjustments to the number of calls and contact times so that the name of the office is not indicated.
Mail can also be shipped without the name of our office.
Don't worry about your family or people around you.
④ It is also possible to consult and provide advice on debt restructuring.
Even if you succeed in requesting refund of overpayment and then you can reduce the amount of our debts, you may still face a difficult situation.
We will propose various methods of debt restructuring, such as "interest reduction" and "debt reduction" by lawyers who are strong in the debt problem, depending on the situation.
Flow from consultation of overpayment to refund (smooth 4 STEPs)
Reservations and Inquiries for Consultation
Please make a reservation for consultation by telephone or reservation form.
If you have any questions, please feel more comfortable by calling us.
Application
We will conclude a contract for overpayment if you actually consult with a lawyer and are satisfied with it.
Investigation by Attorney
All communications with moneylenders are conducted by lawyers after the conclusion of the contract.
you can leave everything to us, so please rest assured.
Refund of overpayment
If the overpayment is successfully refunded, the overpayment will be credited to our account.
At this stage, the cost will be settled and the remaining amount will be repaid.
If you live in the vicinity of Matsuyama City and feel there is a possibility of overpayment, please do not hesitate to contact us!
It is common to think less about past settlement, as it is a backlash to overpayment.
If you're paid up many years ago, it's true that you've been helped at that time.
Nevertheless, overpayment is a legally excessive "misconduct of business."
It is a legitimate right to recover something that was not required to be paid.
There is no need to worry that people don't remember the timing of borrowing, or that they don't want to know their families.
We can investigate it free of charge with privacy considerations.
If you feel there is any possibility of overpayment, you will not lose anything by investigating, so please feel free to consult with your Legal Profession Corporation.
