貸金業者の破綻と過払い金

 しばらく更新をさぼっていましたが、その間に数件ですが、過払い金返還(不当利得金返還請求)訴訟の判決を頂きました。どれも、過払い金の返還義務自体を争うものはありませんでした。過払い金利息に民法704条(悪意の受益者)に規定に基づいて、利息を支払う義務があるのかどうか、もし、支払う義務があるとすればいつから利息を付する必要があるのかというのが争点になったものがほとんどです。
 また、中には、法人税を支払ったので、実効税率の45%を過払い金から差し引くべきだという主張をする貸し金業者も出て行きました。
利息の支払いについては、貸金業法43条のみなし弁済の規定に基づいて、同法17条書面(契約締結時の書面等)及び18条書面(受取証書=領収書)の交付を全ての取引について行う必要があり、個別具体的にこの立証がない限り、貸金業者は過払い金の受領時から利息を支払う義務を免れることはできません。法人税の主張については善意の過払い金受領者が前提になっているので、悪意の受益者である場合はその射程ではないというのが判決の趣旨でした.
 何れにせよ、全て勝訴判決であったものの、まったく安心できる訳ではありません。やはり貸金業者も経営状態が苦しいのか、訴えを提起してさえも、半額とか3分の1の金額での和解を申し入れてきます。申し入れを断ると、上記のような主張をして、過払い金の返還を先延ばししようとしてきます。
 最近は1回目の期日に簡単な答弁書だけを提出し、2回目の訴訟期日に書面も出さず、欠席する大手業者もいます。その場合は弁論を終結して判決ということになりますが、やはり、判決言渡までに時間がかかってしまいます。
 栄華を極めた大手サラ金業者も今はいつ破綻するかわからない状態です。勝訴の判決書もいつ、紙切れ同然になってしまうかひやひやものです
 実際、年末に和解金が振込れる予定だった大手商工ローンも破綻してしまいました。訴えを提起してから1年半もかかってやっと訴訟上の和解に至った案件だったのに(涙)

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