信貸無力還款,被告詐欺?! - 法律
By Christine
at 2018-04-11T00:17
at 2018-04-11T00:17
Table of Contents
背景: 我有個不成材的弟弟,無穩定工作,以到處打零工為主,名下無財產不動產。
弟去年以一台中古車,車齡15年以上,向某租車公司以車貸款借了18萬,放款銀行是遠X
商銀。
弟和友人作投資失利,也無穩定的收入,固連第一期的利息都無力繳交 ; 銀行端和租車
公司的法務打電話來家裏催討多次,並揚言要提告詐欺! 家母擔心不已,害怕弟因此被關
,故希望能和租車公司的法務這邊協商還款,也告知家境清寒,無力償還太多的利息,希
望能利息降價來作為還款計畫。身為姐姐的我不忍母親為此擔憂而影響到健康,故願跳出
為弟償還這筆債務,且已向租車公司表明我們還款的誠意,願一筆全額還款,無奈租車公
司表示要本金+利息+違約金共需付21萬多.....故向版上的法律達人請教
問題一,21萬已超過我的能力範圍,是否我無力償還這21萬,等著我弟被告詐欺,請問這
樣詐欺會成立嗎?
問題二,中古國產車,車齡15年以上,殘餘價值應該不到5萬,為何能貸出18萬?是否租車
公司和銀行這邊也要負擔風險責任?或者有違法的情事?
問題三,我要如何再和租車公司法務談判,找出對我有利的談判條件
小妹在此先謝謝各位了!
--
弟去年以一台中古車,車齡15年以上,向某租車公司以車貸款借了18萬,放款銀行是遠X
商銀。
弟和友人作投資失利,也無穩定的收入,固連第一期的利息都無力繳交 ; 銀行端和租車
公司的法務打電話來家裏催討多次,並揚言要提告詐欺! 家母擔心不已,害怕弟因此被關
,故希望能和租車公司的法務這邊協商還款,也告知家境清寒,無力償還太多的利息,希
望能利息降價來作為還款計畫。身為姐姐的我不忍母親為此擔憂而影響到健康,故願跳出
為弟償還這筆債務,且已向租車公司表明我們還款的誠意,願一筆全額還款,無奈租車公
司表示要本金+利息+違約金共需付21萬多.....故向版上的法律達人請教
問題一,21萬已超過我的能力範圍,是否我無力償還這21萬,等著我弟被告詐欺,請問這
樣詐欺會成立嗎?
問題二,中古國產車,車齡15年以上,殘餘價值應該不到5萬,為何能貸出18萬?是否租車
公司和銀行這邊也要負擔風險責任?或者有違法的情事?
問題三,我要如何再和租車公司法務談判,找出對我有利的談判條件
小妹在此先謝謝各位了!
--
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