« フタタとコナカの株式交換 | トップページ | サラ金(その2) »

2006年8月22日 (火)

サラ金ビジネス

私はサラ金業者のコンサルタントをしたことはなのだが、多分サラ金業の方々からも、売れない経営コンサルタントなどに依頼するほど落ちぶれてはおらんぞと思われておられるはずだし、依頼は来ないだろうし、そんな生やさしい業界ではないと思っている。

先ずは、この7月27日のYahoo Newsをご覧になって下さい。そして、このニュースに関連してひろ子弁護士が書いておられるこのブログを見て下さい。

サラ金は出資法の上限利率(年利29.2%)で貸し付ける。結果、百万円借りたら1年で30万円の利息だから、借りた人は直ぐに貧乏になると思うのですが。借り進んで、ある時点で、弁護士に相談に行くというパターンがある。そこから利息制限法の最高限(元本100万円未満は年18%、詳細は下の続きを読むをクリックすると利息制限法が出てきます。)を超えて支払った利息を取り戻すこととなる。

当然弁護士が出てきたからとサラ金業者が簡単に超過分の利息を返還してくれるわけではない。訴訟に持ち込まねばならない。そうすると、裁判所から被告であるサラ金業者に訴状が送達される。被告であるサラ金業者は,口頭弁論の期日までに,訴状に記載された事実関係の認否や事実・法律問題に関する主張を述べた答弁書を裁判所に提出することなる。ところが、この答弁書は何と前日の深夜に届くようにサラ金業者はすると言うのである。しかも、その内容は、ひろ子弁護士によれば、「原告の請求を棄却する。訴訟費用は原告の負担とする。おって答弁。和解希望。代理人選任予定なので次回期日は2か月ほど先に…」との紙一枚と言うのだから、私だったら頭に血が上ってどうしようもなくなるかも知れないと思う。

Asahi Comのこの週刊朝日の記事紹介によれば、管轄する裁判所をとんでもなく遠いところにしたりと私にはとてもここまで知恵は回らないなと思ってしまう。

結局、やはり私にはサラ金に対するコンサルタントは能力もないし、そこまで徹底して全てをやれないしと言うわけで無理である。かといって、サラ金地獄におられる方のお力になるには、訴訟という武器をもっておられる弁護士にご活躍いただいた方が良いはずである。ちなみに訴訟にかかる裁判所の費用(弁護士費用等を除いて直接裁判所に納める印紙代)は、通常は数万円と思う。そうすると、一方で、税金で差額が賄われているのかしらと疑問を持ってしまった。

なお、最高裁の本年1月の判決はこれであり、広島高裁に差し戻しています。(何と、私の8月21日のエントリー終身刑で引き合いに出した刑事裁判と同じ結果です。)

又、ひろ子弁護士のブログで知ったのですが、米GEは電気製品を製造しているだけではなくあらゆることをしていることを私も知っていたのですが、日本ではサラ金までしていたんですね。これは知らなかった。

ブログランキング・にほんブログ村へ

利息制限法

(利息の最高限)

第一条 金銭を目的とする消費貸借上の利息の契約は、その利息が左の利率により計算した金額をこえるときは、その超過部分につき無効とする。
元本が十万円未満の場合  年二割
元本が十万円以上百万円未満の場合  年一割八分
元本が百万円以上の場合  年一割五分
2 債務者は、前項の超過部分を任意に支払つたときは、同項の規定にかかわらず、その返還を請求することができない。
(利息の天引)
第二条 利息を天引した場合において、天引額が債務者の受領額を元本として前条第一項に規定する利率により計算した金額をこえるときは、その超過部分は、元本の支払に充てたものとみなす。
(みなし利息)
第三条 前二条の規定の適用については、金銭を目的とする消費貸借に関し債権者の受ける元本以外の金銭は、礼金、割引金、手数料、調査料その他何らの名義をもつてするを問わず、利息とみなす。但し、契約の締結及び債務の弁済の費用は、この限りでない。
(賠償額予定の制限)
第四条 金銭を目的とする消費貸借上の債務の不履行による賠償額の予定は、その賠償額の元本に対する割合が第一条第一項に規定する率の一・四六倍を超えるときは、その超過部分につき無効とする。
2 第一条第二項の規定は、債務者が前項の超過部分を任意に支払つた場合に準用する。
3 前二項の規定の適用については、違約金は、賠償額の予定とみなす。
貸金業の規制等に関する法律(第43条第1項のみ(最高裁の判決で触れているもう一つの法律)
(任意に支払つた場合のみなし弁済)
第四十三条 貸金業者が業として行う金銭を目的とする消費貸借上の利息(利息制限法(昭和二十九年法律第百号)第三条の規定により利息とみなされるものを含む。)の契約に基づき、債務者が利息として任意に支払つた金銭の額が、同法第一条第一項に定める利息の制限額を超える場合において、その支払が次の各号に該当するときは、当該超過部分の支払は、同項の規定にかかわらず、有効な利息の債務の弁済とみなす。
一 第十七条第一項(第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項及び第二十四条の五第二項において準用する場合を含む。以下この号において同じ。)の規定により第十七条第一項に規定する書面を交付している場合又は同条第二項から第四項まで(第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項及び第二十四条の五第二項において準用する場合を含む。以下この号において同じ。)の規定により第十七条第二項から第四項までに規定するすべての書面を交付している場合におけるその交付をしている者に対する貸付けの契約に基づく支払
二 第十八条第一項(第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項及び第二十四条の五第二項において準用する場合を含む。以下この号において同じ。)の規定により第十八条第一項に規定する書面を交付した場合における同項の弁済に係る支払

|

« フタタとコナカの株式交換 | トップページ | サラ金(その2) »

コメント

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投稿: Joshuanes | 2019年5月27日 (月) 06時33分

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+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
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+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars

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And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site urenaiconsul.cocolog-nifty.com.
After such spam, the spamhouse will turn its attention on you and after several abuses your host will be forced to block your account for life.
Your domain registrar will also block your domain permanently.

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If you do not want to receive thousands of complaints from users and your hosting provider, then pay before June 1, 2019.
The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.

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投稿: Shawnflibe | 2019年5月27日 (月) 06時33分

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+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
+ lifetime blocking of your domain for aggressive web and email spam
+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars

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And then send out abusive messages with the address of your site.
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投稿: Williamjap | 2019年5月27日 (月) 06時33分

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+ abuse spamhouse for aggressive web spam
+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
+ lifetime blocking of your domain for aggressive web and email spam
+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars

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1. I will send messages to 33 000 000 sites with contact forms with offensive messages with the address of your site, that is, in this situation, you and the spammer and insult people.
And everyone will not care that it is not you.
2. I’ll send messages to 19,000,000 email addresses and very intrusive advertisements for making money and offer a free iPhone with your website address urenaiconsul.cocolog-nifty.com and your contact details.
And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site urenaiconsul.cocolog-nifty.com.
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Your domain registrar will also block your domain permanently.

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If you do not want to receive thousands of complaints from users and your hosting provider, then pay before June 1, 2019.
The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.

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投稿: Richietob | 2019年5月27日 (月) 06時48分

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+ abuse spamhouse for aggressive web spam
+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
+ lifetime blocking of your domain for aggressive web and email spam
+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars

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1. I will send messages to 33 000 000 sites with contact forms with offensive messages with the address of your site, that is, in this situation, you and the spammer and insult people.
And everyone will not care that it is not you.
2. I’ll send messages to 19,000,000 email addresses and very intrusive advertisements for making money and offer a free iPhone with your website address urenaiconsul.cocolog-nifty.com and your contact details.
And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site urenaiconsul.cocolog-nifty.com.
After such spam, the spamhouse will turn its attention on you and after several abuses your host will be forced to block your account for life.
Your domain registrar will also block your domain permanently.

All of the above will result in blocking your domain and hosting account for life.
If you do not want to receive thousands of complaints from users and your hosting provider, then pay before June 1, 2019.
The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.

My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL

投稿: BrandonLet | 2019年5月27日 (月) 06時48分

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Pay me 0.5 BTC until June 1, 2019.
Otherwise, you will get the reputation of a malicious spammer, your site urenaiconsul.cocolog-nifty.com will be blocked for life and you will be sued for insulting believers. I guarantee this to you.

My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL

Here is a list of what you get if you don’t follow my requirements:
+ abuse spamhouse for aggressive web spam
+ tens of thousands of negative reviews about you and your website from angry people for aggressive web and email spam
+ lifetime blocking of your hosting account for aggressive web and email spam
+ lifetime blocking of your domain for aggressive web and email spam
+ Thousands of angry complaints from angry people will come to your mail and messengers for sending you a lot of spam
+ complete destruction of your reputation and loss of clients forever
+ for a full recovery from the damage you need tens of thousands of dollars

All of the above will result in blocking your domain and hosting account for life. The price of your peace of mind is 0.5 BTC.

Do you want this?

If you do not want the above problems, then before June 1, 2019, you need to send me 0.5 BTC to my Bitcoin wallet: 19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL

How do I do all this to get this result:
1. I will send messages to 33 000 000 sites with contact forms with offensive messages with the address of your site, that is, in this situation, you and the spammer and insult people.
And everyone will not care that it is not you.
2. I’ll send messages to 19,000,000 email addresses and very intrusive advertisements for making money and offer a free iPhone with your website address urenaiconsul.cocolog-nifty.com and your contact details.
And then send out abusive messages with the address of your site.
3. I will do aggressive spam on blogs, forums and other sites (in my database there are 35 978 370 sites and 315 900 sites from which you will definitely get a huge amount of abuse) of your site urenaiconsul.cocolog-nifty.com.
After such spam, the spamhouse will turn its attention on you and after several abuses your host will be forced to block your account for life.
Your domain registrar will also block your domain permanently.

All of the above will result in blocking your domain and hosting account for life.
If you do not want to receive thousands of complaints from users and your hosting provider, then pay before June 1, 2019.
The price of your peace of mind is 0.5 BTC.
Otherwise, I will send your site through tens of millions of sites that will lead to the blocking of your site for life and you will lose everything and your reputation as well.
But get a reputation as a malicious spammer.

My bitcoin wallet:19ckouUP2E22aJR5BPFdf7jP2oNXR3bezL

投稿: PatrickDof | 2019年5月27日 (月) 07時46分

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