史上最低!婦欠232萬卡債 法院裁定... - 信用卡
By Todd Johnson
at 2019-03-05T21:28
at 2019-03-05T21:28
Table of Contents
來源:東森新聞
記者魏宏卿、陳佳鈴、吳竣翔/台中採訪報導
積欠卡債232萬,法院竟然判債務人只要還所積欠卡債的3%、7萬2千元!南投一名婦人積
欠卡債232萬,南投地方法院依照債清條例,考量婦人的還款能力,裁定他每個月只要還1
千元,而且還6年,第7年以後未還的部份一筆勾銷。2家債權銀行不滿,提出異議,被法
官駁回。
shoping購物刷卡超方便,楊姓婦人刷爆信用卡,積欠卡債232萬,因為實在還不出錢來,
依債清條例向法院申請清理卡債。婦人在長照中心擔任照顧員,1個月賺19500元,扣除勞
健保還有房租、伙食費、孩子學費等生活開銷,一個月只剩下867元,生活實在拮据。
法官考量婦人還款能力,裁定婦人每個月只要還1000元,而且只要還6年,第7年以後沒還
的部份一筆勾銷。6年還7萬2,等於才還卡債總金額的3%,裁定一出讓債權銀行急得跳腳
。
南投地方法院審判長趙思芸表示,「她借款的比例並不是我們裁定認可的要件裡面,畢竟
她已經盡力清償了,我們就裁定認可。」婦人婆婆則說,「不是說我們贏了就很高興,最
好不要有瓜葛最好。」
銀行懷疑婦人故意不努力工作增加收入、投機尋求免除債務責任,因此向法院提出異議;
不過,法官認為債清條例的重點不在於償還欠款的成數,而是衡量債務人償還能力,雙方
訂出可接受的償還計畫,銀行可以依法提出抗告。但還款比例與欠款金額差距甚大,此例
一出,不少民眾也認為,恐怕為卡債者開了後門。一位民眾表示,「還是不符合公平正義
原則,會有一個惡性循環,到時候我喊倒就好了。」
但銀行難道沒有責任嗎?法官認為,依婦人的還款能力,銀行竟然能發卡,積欠卡費金額
高達2百多萬,加上婦人信用卡刷的大部分都是購買棉被、腳踏車等生活用品,沒有購買
奢侈品,造成這個結果,銀行發卡浮濫也有責任,所以判定232萬只要還3%,這也創下卡
債族償還比例最少的案例。
https://www.ettoday.net/news/20140930/407591.htm
- - - - -
刷卡賺里程再慢慢還3%好開心
覺得羨慕...
--
記者魏宏卿、陳佳鈴、吳竣翔/台中採訪報導
積欠卡債232萬,法院竟然判債務人只要還所積欠卡債的3%、7萬2千元!南投一名婦人積
欠卡債232萬,南投地方法院依照債清條例,考量婦人的還款能力,裁定他每個月只要還1
千元,而且還6年,第7年以後未還的部份一筆勾銷。2家債權銀行不滿,提出異議,被法
官駁回。
shoping購物刷卡超方便,楊姓婦人刷爆信用卡,積欠卡債232萬,因為實在還不出錢來,
依債清條例向法院申請清理卡債。婦人在長照中心擔任照顧員,1個月賺19500元,扣除勞
健保還有房租、伙食費、孩子學費等生活開銷,一個月只剩下867元,生活實在拮据。
法官考量婦人還款能力,裁定婦人每個月只要還1000元,而且只要還6年,第7年以後沒還
的部份一筆勾銷。6年還7萬2,等於才還卡債總金額的3%,裁定一出讓債權銀行急得跳腳
。
南投地方法院審判長趙思芸表示,「她借款的比例並不是我們裁定認可的要件裡面,畢竟
她已經盡力清償了,我們就裁定認可。」婦人婆婆則說,「不是說我們贏了就很高興,最
好不要有瓜葛最好。」
銀行懷疑婦人故意不努力工作增加收入、投機尋求免除債務責任,因此向法院提出異議;
不過,法官認為債清條例的重點不在於償還欠款的成數,而是衡量債務人償還能力,雙方
訂出可接受的償還計畫,銀行可以依法提出抗告。但還款比例與欠款金額差距甚大,此例
一出,不少民眾也認為,恐怕為卡債者開了後門。一位民眾表示,「還是不符合公平正義
原則,會有一個惡性循環,到時候我喊倒就好了。」
但銀行難道沒有責任嗎?法官認為,依婦人的還款能力,銀行竟然能發卡,積欠卡費金額
高達2百多萬,加上婦人信用卡刷的大部分都是購買棉被、腳踏車等生活用品,沒有購買
奢侈品,造成這個結果,銀行發卡浮濫也有責任,所以判定232萬只要還3%,這也創下卡
債族償還比例最少的案例。
https://www.ettoday.net/news/20140930/407591.htm
- - - - -
刷卡賺里程再慢慢還3%好開心
覺得羨慕...
--
Tags:
信用卡
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