Is there a legal basis for debt collectors? What are the sanctions for debt collectors who often collect by telephone or in person by swearing and other harsh words, even though those who have been billed have performed their obligations on time? Debt collectors in principle work based on the power given by creditors (financial/financing institutions) to collect debts from debtors (customers). The power of attorney agreement is regulated in the Civil Code. However, it should be noted that a number of other laws and regulations also regulate the terms of cooperation with debt collectors, including also regarding collection ethics. For further explanation, you can click the review below. The article below is the second update of the article with the title Legal Basis for the existence of a Debt Collector made by Shanti Rachmadsyah, SHTo our knowledge, there are no laws and regulations that specifically regulate this debt collector. Debt collectors in principle work based on the power given by creditors (in this case, financial/financing institutions) to collect debts from debtors (customers). The power of attorney agreement is regulated in the Civil Code. You can read more about what a power of attorney is about in the validity of a power of attorney or the characteristics and contents of a special power of attorney. In addition, there are indeed laws and regulations that allow finance companies to use the services of other parties to collect debts. Bank Indonesia Circular Letter Number 18/33/DKSP Year 2016 concerning Fourth Amendment to Bank Indonesia Circular Letter Number 11/10/DASP Dated April 13, 2009 Regarding Implementation of Card-Based Payment Instrument Activities. 2. the quality of the implementation of the billing is the same as if it was carried out by the payment service provider himself.
As a reference, you can read the article Shame Because Debt Announced to Many People, Can You Sue?
9. Credit Card Issuers must also ensure that other parties providing billing services in collaboration with Credit Card Issuers also comply with the billing ethics set by the association of Card-Based Payment Instrument organizers. 3. The Credit Card Issuer is required to guarantee the quality of the Credit Card collection implementation by the collection service provider company is the same as if it was carried out by the Credit Card Issuer itself. 3. The other party has human resources who have obtained certification in the field of billing from the Professional Certification Institute in the field of financing. 2. The Financing Company is required to periodically evaluate the cooperation with the other party. If you refer to the provisions of the Criminal Code ("KUHP"), acts of violence committed by debt collectors can be prosecuted by law. Anyone who intentionally attacks someone's honor or reputation by accusing someone of something, the intention of which is clear so that it is known to the public, is threatened for libel with a maximum imprisonment of nine months or a maximum fine of four thousand five hundred rupiahs. As a reference, you can read the article Shame Because Debt Announced to Many People, Can You Sue? In addition, debt collectors are also potentially subject to Article 335 paragraph (1) number 1 of the Criminal Code jo.
Threatened with a maximum imprisonment of one year or a maximum fine of four thousand five hundred rupiahs whoever unlawfully forces another person to do, not to do or to allow something, by using violence, or by using the threat of violence, either against the person himself or another person. other. Please note, according to Article 3 of the Supreme Court Regulation Number 2 of 2012 concerning Adjustment of Limits for Minor Crimes and the Amount of Fines in the Criminal Code, it is stated that the maximum fine in the Criminal Code is doubled to 1000 times, so the maximum fine is in Article 310 point 1 of the Criminal Code and Article 335 paragraph ( 1) number 1 of the Criminal Code is Rp. 4.5 million. To obtain legal advice specific to your case, consult directly with Justika Partner Consultants.
This is How to Check Jakarta Number Plates, Easy!
Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.
If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, that position is used to reverse. If the lever is in the R position, the car will not start when it is started.
When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.