Debt Collector Is Forbidden to Use Violent Debt Bill, Violating Can Be
KOMPAS.COM – The Financial Services Authority (OJK) prohibits debt collectors or debt collector using violence or acts that are has the potential to cause legal and social problems in the billing process debt to consumers.
Furthermore, OJK prohibits debt collectors from using threats, commit acts of humiliating violence, and exert pressure both physically and verbally.
If this is done, both debt collectors and business actors financial services provider (PUJK) that cooperates or as a party users of debt collector services, will be subject to strict sanctions.
For debt collectors, they can be subject to criminal sanctions, writes the OJK in his official statement quoted from his official Instagram account @ojkindonesia , Tuesday (11/10/2022).
Meanwhile, for financial services business actors who are collaborating, with the debt collector, may be subject to sanctions by the OJK in the form of administrative sanctions, wrote OJK.
The sanctions include, among others, written warnings, fines, restrictions on business activities, up to the revocation of business licenses.
Therefore, PUJK is also obliged to prevent third parties in the field of collection or the debt collector it works with, from the behavior that result in harm to consumers, including the use of violence in consumer debt collection.
This is stated in Article 7 of POJK Number 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector.
MALAYSIA?
In addition, debt collectors are also required to bring a letter of assignment from financing company, proof of default debtor document, and a copy of Fiduciary guarantee certificate.
All of these documents are used to strengthen the legal aspect law in the loan collection process so as to prevent the occurrence of dispute , explained OJK.
