Did You Know Debt Collectors Are Regulated In BI Regulations? Debt Collection From 08-00-21:00, Nonviolent

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JAKARTA - Criminal law expert from Al Azhar University Suparji Ahmad said debt collectors cannot indiscriminately commit violence against debtors. Although, reasoned to have the power of the leasing company.

The reason is that acts of violence reflect the actions of thugs who are prohibited by the rules. "Must have billing ethics. No threats, physical violence," Suparji told VOI on Monday, May 10.

In fact, not everyone can work as a debt collector. Because, there must be special training. The profession as a debt collector is also regulated in Bank Indonesia Regulation Number 11 of 2009.

"Debt collectors should be people who have gained training on billing and ethics," Suparji said.

Referring to the rule, in addition to not using violence there are other rules that must be done when charging to the debtor. One of them, does not interfere with the debtor.

"If (charging) using communication should not interfere. The time is 08.00 to 20.00 WIB," he said.

The following ethical points of debt collector when doing debt collection include:

a. Billing is prohibited by using threats, violence and/or actions that are embarrassing to the Credit Card Holder;

b. Billing is prohibited by using physical or verbal pressure;

c. Billing is prohibited to parties other than the Credit Card Holder;

d. Billing using means of communication is prohibited continuously which is disruptive;

e. Billing can only be done at the billing address or domicile of the Credit Card Holder;

f. Billing can only be done from 08.00 am to 08.00 pm in the time area of the Credit Card Holder's address;

g. Out-of-place billing and/or the above, may only be done on the basis of prior approval and/or agreement with the Credit Card Holder.

Previously reported, police determined 11 debt collectors who went viral for besieging Serda Nurhadi as suspects. The investigation of the suspect is based on the title of the case.

The debt collectors are yakm, jad, hhl, hel, pa, gl, gyt, jt, am, ds and hrl.

"11 people and their respective roles have now been designated as suspects and detentions are carried out," Metro Jaya Police Public Relations Chief Kombes Yusri Yunus told reporters on Monday, May 10.

The criminal offences committed by dozens of debt collectors are due to be attempted forfeiture. What's more, their actions are thugs.

In addition, based on the title of the case and examination, continued Yusri, the debt collectors turned out to be illegal. Even though they have a power of attorney from the company.

The context is illegal in this case, the debt collectors do not have a certain skill and classification. Thus, when collecting arrears against debtors prone to thugs.

"Although the power of attorney exists but has no classification, expertise, has no policies, the SPP does not exist at all, so it should not be. It's illegal," Yusri said.

Thus, they are suspected article 335 paragraph 1 of the Criminal Code and article 365 of the Criminal Code juncto article 53 of the Criminal Code. The threat of nine years in prison.