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(영문) 광주지방법원순천지원 2016.06.17 2016가단53

신용카드이용대금 등

Text

1. The Defendant shall pay to the Plaintiff KRW 23,528,780 among the Plaintiff and KRW 14,976,920 from November 25, 2015 to the day of full payment.

Reasons

1. The Defendant agreed to pay interest in arrears at the Plaintiff’s credit card membership on January 7, 2015 according to the Plaintiff’s interest rate on delay from November 25, 2015 (29.9% per annum; the Defendant borrowed KRW 7,000,00 from the Plaintiff through the Internet loan on April 16, 2015; the rate of delay from November 25, 2015 to 25% per annum; the Defendant lost its interest on August 26, 2015 due to the Plaintiff’s failure to pay the principal and interest on the loan; the Defendant’s obligation to pay interest on KRW 16,041,820 as of November 24, 2015 to the Plaintiff; and the Defendant’s obligation to pay interest on KRW 205 to the Plaintiff at the rate of KRW 16,075,000 per annum, KRW 3060,075,7839,7965,786,79,7467,7,7967,7,7,7947).

2. As to the Defendant’s assertion and its determination, the Defendant asserted that, on March 15, 2016, the Defendant did not have a duty to respond to the Plaintiff’s claim of this case since he obtained approval of credit recovery support from the Credit Counseling and Recovery Commission, including the Plaintiff’s above debt, but the fact that the Defendant obtained approval of credit recovery support alone cannot be said to constitute a justifiable ground for refusing the Plaintiff’s claim of this case seeking to secure title in preparation for a case where the approval of credit recovery support becomes invalid. Thus,

3. Thus, the plaintiff's claim of this case is reasonable and acceptable.