史上最低!婦欠232萬卡債 法院裁定... - 信用卡
By Oscar
at 2019-03-06T15:13
at 2019-03-06T15:13
Table of Contents
看到這篇新聞來回一下好了
這個新聞提到的這部法律叫「消費者債務清理條例」
我之前從事跟這法律有關的工作達6年
它制定的時空背景就是民國9X幾年當時,發卡浮濫
有接觸到相關申請資料就知道,大家只要隨便填一填一張卡就來了
沒什麼在徵信,還有當初有一種比信用卡更可怕的叫「現金卡」
本質是消費借貸,是一筆完整的額度下去算,直接提錢出來用
都是十幾、二十萬在給,當時卡債族暴增,自殺的也多,所以政府就制定這個法案
其實各國都有相關法律,讓卡債族有重生的機會,這部法律最近有再次修正
也是放寬了一些條件,各位有興趣可以看看
再來看這個新聞,其實看了很頭痛,它「誇小」了很多部分
幾本上2百多萬一定是利息、違約金滾出來的,而且我相信這個案例應該是9x年
那時候就開始借,因為到現在還是很多人欠的當時的債
只是當時沒這部法律,所有的錢就一直滾
這並不是特殊的案例,去查法院的「裁定」(不是判決,是裁定)
一大堆3%、4%、5%的還款比例,因為這法律的精神是你對於所欠的錢
只要「盡力還款」,不會去看你還款比例是多少,而是否盡力是由法院認定
通常是看現在的收支狀況。另外為什麼說誇小,其實還有一種是「清算」
如果完全沒清償能力,是有可能「免責」,也就是說全額都不用還
至於大家說銀行很雖啊,債務人沒能力幹嘛借錢啊之類
我剛開始接觸這方面的時候也是一樣想法,欠債還錢天經地義
簽了契約就該遵守,不過過了幾年看多了之後
常常覺得這本來就是金融業該付出的社會成本,其實像文中的案例
或比這更底層的案例很多
低收、上扶養老的下扶養小的、身障等等,真的滿多是借錢維生
他也不是買奢侈品,就是一些生活用品,說是急用嗎也不是
當時聯徵又不嚴格,後來就那樣了,原來沒有這部法律,也是想說就欠著
滾著,直到法律制定,有心的就會聲請,想要有無債的日子可以過
其實會聲請的已經是積極處理債務了,更多賴著的,帶著債務入土的
放大一點看,你金融業搞聯貸,或是像慶富那樣的案子,整堆錢往財團倒
然後對民眾苛刻,說你要工作多一點多還一點呀,看了其實很厭惡
我後來是認為這部法律有稍稍讓金融業付出一些社會責任啦
不過這部法律並不完善,其實確實是有比較偏向債務人一點
在政府為了卡債族放寬條件下,老實說有時候法官、律師們也很為難啦
你要說法官恐龍嗎,其實他沒辦法還更多的話,你裁定他多還一點
到最後,所有又回到原點,他還不出,利息再滾,銀行也收不到錢
總之,大家刷卡還是該量力而為,現在是比較少這種狀況了
但是聲請更生的人,基本上還都是9x年那時借的人居多
--
這個新聞提到的這部法律叫「消費者債務清理條例」
我之前從事跟這法律有關的工作達6年
它制定的時空背景就是民國9X幾年當時,發卡浮濫
有接觸到相關申請資料就知道,大家只要隨便填一填一張卡就來了
沒什麼在徵信,還有當初有一種比信用卡更可怕的叫「現金卡」
本質是消費借貸,是一筆完整的額度下去算,直接提錢出來用
都是十幾、二十萬在給,當時卡債族暴增,自殺的也多,所以政府就制定這個法案
其實各國都有相關法律,讓卡債族有重生的機會,這部法律最近有再次修正
也是放寬了一些條件,各位有興趣可以看看
再來看這個新聞,其實看了很頭痛,它「誇小」了很多部分
幾本上2百多萬一定是利息、違約金滾出來的,而且我相信這個案例應該是9x年
那時候就開始借,因為到現在還是很多人欠的當時的債
只是當時沒這部法律,所有的錢就一直滾
這並不是特殊的案例,去查法院的「裁定」(不是判決,是裁定)
一大堆3%、4%、5%的還款比例,因為這法律的精神是你對於所欠的錢
只要「盡力還款」,不會去看你還款比例是多少,而是否盡力是由法院認定
通常是看現在的收支狀況。另外為什麼說誇小,其實還有一種是「清算」
如果完全沒清償能力,是有可能「免責」,也就是說全額都不用還
至於大家說銀行很雖啊,債務人沒能力幹嘛借錢啊之類
我剛開始接觸這方面的時候也是一樣想法,欠債還錢天經地義
簽了契約就該遵守,不過過了幾年看多了之後
常常覺得這本來就是金融業該付出的社會成本,其實像文中的案例
或比這更底層的案例很多
低收、上扶養老的下扶養小的、身障等等,真的滿多是借錢維生
他也不是買奢侈品,就是一些生活用品,說是急用嗎也不是
當時聯徵又不嚴格,後來就那樣了,原來沒有這部法律,也是想說就欠著
滾著,直到法律制定,有心的就會聲請,想要有無債的日子可以過
其實會聲請的已經是積極處理債務了,更多賴著的,帶著債務入土的
放大一點看,你金融業搞聯貸,或是像慶富那樣的案子,整堆錢往財團倒
然後對民眾苛刻,說你要工作多一點多還一點呀,看了其實很厭惡
我後來是認為這部法律有稍稍讓金融業付出一些社會責任啦
不過這部法律並不完善,其實確實是有比較偏向債務人一點
在政府為了卡債族放寬條件下,老實說有時候法官、律師們也很為難啦
你要說法官恐龍嗎,其實他沒辦法還更多的話,你裁定他多還一點
到最後,所有又回到原點,他還不出,利息再滾,銀行也收不到錢
總之,大家刷卡還是該量力而為,現在是比較少這種狀況了
但是聲請更生的人,基本上還都是9x年那時借的人居多
--
Tags:
信用卡
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