AKIBAT HUKUM ATAS PENYITAAN OBYEK JAMINAN FIDUSIA YANG TIDAK DIDAFTARKAN

Abstract

Consumer finance companies often take the action of taking objects that are used as fiduciary collateral when the debtor is unable to repay the loan. This was done because the consumer finance institution did not register the fiduciary guarantee with the Fiduciary Office. By not registering fiduciary guarantees, the fiduciary guarantee institution does not get a fiduciary guarantee certificate in which there is a clause of the sentence "FOR JUSTICE BASED ON THE ALMIGHTY GOD" Permanent legal remedies taken by debtors holding fiduciary guarantees confiscated by financial institutions are as far as possible to maintain the right to ownership of the vehicle used as fiduciary security, and if the financing institution takes by force, the debtor can report to the police on the basis of the consumer financing institution has seized fiduciary guarantees and at the same time sues for compensation in the form of reimbursement of costs, losses and interest on the basis of consumer financing has committed acts that violate the law as Article 1365 of the Civil Code.