Jakarta –
The Financial Services Authority (OJK) emphasized that tightening regulations for collecting online loans and credit cards is not only to protect customers. This rule also ensures that naughty customers will be dealt with firmly.
Deputy Commissioner for Supervising the Behavior of Financial Services Business Actors and Consumer Protection, Sarjito, emphasized that the regulations made by the OJK were not to protect naughty consumers, let alone run away without paying their debts.
“We encourage the growth of PUJK, but also do not forget to protect the interests of consumers and society. However, at the beginning I emphasized that OJK will not protect naughty consumers,” in a press conference, at the Wisma Mulia OJK Building, South Jakarta, Thursday ( 1/2/2024).
OJK emphasizes that there are a number of rules that consumers must follow, which are also contained in POJK Number 22 of 2023. This is stated in article 92 where there are a number of consumer obligations that must be fulfilled by lenders.
Among other things, having good faith in using products and/or services. Then, consumers are also obliged to pay the value or cost price of the service product agreed with the PUJK.
Sarjito said that if payment failure or default occurs, PUJK or the company can execute the collateral guaranteed by consumers. Especially if the consumer is deliberately no longer contactable or even can no longer be found.
“The important thing is that we also discussed the case earlier, apparently there was a consumer who was visited by a debt collector at the location 35 times and the person wasn’t there, and the telephone number couldn’t be contacted straight away. That’s a consumer who didn’t have good intentions. We don’t protect people like that. “Please execute it according to the provisions of the Fiduciary Law,” he said.
His party invites business actors who have struggled to collect but have had no results, to immediately execute guarantees or collateral from consumers. This has been regulated in POJK number 22 of 2023 article 64 paragraphs 1 and 2.
“The collection or withdrawal of collateral by the PUJK must comply with the provisions, a. the consumer is proven to be in default,” reads one of the regulations.
“It’s fine if there’s an agreement. If you collect from morning, Monday to Saturday, that’s a lot of time. Then then it’s about whether you can take the guarantee or collateral in a public place. If you’ve been missing for like a year, your cellphone can’t be contacted, “It turns out the unit is in another place, just brush it,” he stressed.
(ada/hns)
2024-02-01 15:51:50
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