JAKARTA - Director of the Digital Center of Economic and Law Studies (Celios) Nailul Huda also highlighted the rampant abuse of emergency contacts by debt collectors (DC) from online loan services (pinjol) that did not comply with the provisions.
According to him, in the latest OJK Regulation (POJK) regarding online loans, it does not specifically regulate the use of emergency contacts in the collection process.
He added that even the billing procedures that were previously regulated have now been deleted in the regulation.
Huda added that this condition opens up gaps for debt collectors to use emergency contacts as a means of collection, which is basically not justified.
"This means that there is indeed a gap for DC Pindar to use emergency contacts for collection. It should not be allowed to collect via emergency contact. There is no verification regarding the inclusion of emergency contacts," he explained to VOI, Selesa, July 22.
He also emphasized that online loan platforms are only allowed to access cameras, microphones, and locations, not all contact lists on mobile phones.
Therefore, Huda conveyed that platforms or third parties such as debt collectors are not allowed to access or contact emergency contacts without the explicit consent of the owner of the number.
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"The platform can only access camera, microphone, and location. So other than that, including contacts, it cannot be accessed by the platform. Even the platform cannot contact the listed emergency contacts without the contact owner," he said.
Huda suggested that if people experience terror or collection through emergency contacts, they should immediately report to the Investment Alert Task Force (SWI) or the Financial Services Authority (OJK) and block numbers that collect.
"If this happens, I hope the public will contact the exact task force or OJK to complain. Then, block the number that contacted and notified the OJK or the task force regarding the request to remove emergency contacts," he concluded.
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