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.
Perusahaan pembiayaan konsumen sering mengambil tindakan mengambil obyek yang dijadikan jaminan fidusia ketika debitur tidak mampu membayar pinjamannya. Hal ini dilakukan karena lembaga pembiayaan konsumen tidak mendaftar jaminan fidusia tersebut ke Kantor Fidusia. Dengan tidak didaftarkannya jaminan fidusia, maka lembaga jaminan fidusía tidak mendapatkan sertifikat jaminan fidusia yang di dalamnya terdapat irah-irah kalimat "DEMI KEADILAN BERDASARKAN KETUHANAN YANG MAHA ESA” Irah-irah kalimat tersebut mempunyai kekuatan esksekusi atas kekuasaannya sendiri sebagaimana putusan pengadilan yang telah memperoleh kekuatan hukum tetap. Upaya hukum yang ditempuh oleh debitur pemilik jaminan fidusia yang disita oleh lembaga pembiayaan adalah sedapat mungkin mempertahankan hak atas kepemilikan kendaraan yang dijadikan jaminan fidusia tersebut, dan apabila lembaga pembiayaan mengambil secara paksa. Debitur dapat melaporkan kepada pihak kepolisian atas dasar lembaga pembiayaan konsumen telah melakukan perampasan jaminan fidusia dan sekaligus menggugat ganti kerugian berupa penggantian biaya, rugi dan bunga atas dasar pembiayaan konsumen telah melakukan perbuatan melanggar hukum sebagaimana pasal 1365 KUHPerdata.
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