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秘密厳守

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交通事故

離婚相談

長野県長野市南県町1002-5 クロススクエア長野県庁前402

お問い合わせ・ご相談

050-5556-5966

電話受付 平日:8~22時/土:10〜21時/日祝:9~20時

Claim for Refund of Overpayment

Claim a refund for overpayment

過払い金の返還

  • For those who are unsure of who to contact in regards to claiming over-payment refunds 
  • For those who had taken out consumer loans or used credit cards to make a cash transaction
  • For those who had borrowed money before 2008
  • For those who had experienced vague or unclear transactions with financial institutions
  • For those who had a misconception that he/she would be placed on a blacklist if requesting a refund

If any of above applies to you, you may be eligible for a refund. For those who are unsure of whether or not you are eligible, we can provide you consultation. Please feel free to ask us for help.


Even when a debt/loan is paid in full, you must seek for a refund!

完済済みの場合

Due to complexity of interest laws set out under the Japanese investment law(sets a statutory limitation of a interest rates at 15-20%) and the Japanese interest rate restriction law (sets a limitation of a interest rates at 29.2%), people tends to over-pay such interest without noticing, resulting in overall over-payments.

Such interest rates were not strictly regulated, and no regulatory law existed to penalize for excessive interest rates. In many cases, exceeded interest rates of over 20% were normally charged.   

Since June, 2010, the limitation of interest rates under the Japanese interest rate restriction law was revised from 29.2% to 20%, filling the gap in interest rates between the Japanese investment law and the Japanese interest rate restriction law. Due to the revision to the law, you are eligible for compensation of over-payments if you borrowed before June, 2010.

It is a legitimate right of yours under law to receive a refund for such over-payment


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 this 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 in all the procedures.
Please feel free.

Are there any disadvantages?

Answer all your 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!

It is more likely that people delay in taking actions, which may cause a partial loss of your possible refund or you to be disqualified for the refund. 

The statue of limitations for the refund expires in 10 years upon full repayment. If the statue of limitations attaches, any refund for over-payments you made are not recoverable. 

Some financial institutions are at risk of bankrupt over times and may be the one you borrowed money from. When they file for a bankruptcy, it causes more complexities to the process which results in a possibility of losing some money or being disqualified from the refund in the worst case scenario.


Four Reasons why you should consult with us 

① Clear and easy-to-understand fee structure

料金

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

カード

The only details that we require for billing for over-payments you made to a company is the name of the company that you borrowed from, your address at the time of borrowing and your date of birth. If you've lost your card or statement, no problem.

③ Privacy Considerations & Confidentiality

秘密厳守

We value and respect your privacy & confidentiality and are devoted to keeping our service secret when necessary. 

Making an a call anonymously or scheduling a phone call at time of your choice so that it does not indicate our services . Furthermore, any mails can also be shipped without the name of our office.
Therefore, your family, relatives and business will never know about your request.

④ It is also possible to consult and provide advice on debt restructuring.

債務整理

Even after receiving a refund for over-payments, some people are likely to have the same debt issues. For those who are still having tight financial situations as before, our attorney who specializes in fixing such situation will help you with "interest rate cut" or "debt deduction". Each proposal for debt restructuring will be individually tailored to your 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 completion of the contract.
You can leave everything to us, so please feel free.

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 Nagano and feel there is a possibility of overpayment, please do not hesitate to contact us!

過払い金Borrowing money shouldn't be a desirable thing to do, but it does make you feel guilty about it somehow.
And there are many people who are hesitant to ask for the interest rate to pay it back as they rented to their own.
Nevertheless, overpayment is a legally excessive "misconduct of business."
It is a legitimate right to recover something that was not required to be paid.
We hope that you will be able to file a claim with open arms. Of course, we have the utmost concern for your privacy, so your family and company will never know about it.
We can investigate it free of charge and you can contact us with privacy considerations.
If you feel there is any possibility of overpayment, you will not lose anything by investigating, so please consult with your Legal Profession Corporation.

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