{"id":8473,"date":"2025-11-08T08:08:37","date_gmt":"2025-11-08T01:08:37","guid":{"rendered":"https:\/\/edukadi.com\/?p=8473"},"modified":"2025-11-10T16:13:00","modified_gmt":"2025-11-10T09:13:00","slug":"berantas-matel-berkedok-debt-collector-diduga-rampok-bukan-penagih-konsumen-dilindungi-uu-fidusia","status":"publish","type":"post","link":"https:\/\/edukadi.com\/index.php\/2025\/11\/08\/berantas-matel-berkedok-debt-collector-diduga-rampok-bukan-penagih-konsumen-dilindungi-uu-fidusia\/","title":{"rendered":"Berantas \u201cMatel\u201d Berkedok Debt Collector: Diduga Rampok, Bukan Penagih! Konsumen Dilindungi UU Fidusia"},"content":{"rendered":"\n<p><strong>EDUKADI NEWS \u2013 Bandung.<\/strong>08\/11\/2025, Keberadaan oknum debt collector atau yang dikenal masyarakat dengan sebutan <em>Matel<\/em> kembali meresahkan. Mereka diduga kuat beraksi dengan modus merampas kendaraan konsumen di jalanan, bahkan sering kali menggunakan kekerasan fisik dan ancaman. Aksi mereka marak terjadi di wilayah <strong>Bandung<\/strong>, mulai dari kawasan <strong>PHH Mustofa, Surapati, Pasteur hingga Cicaheum<\/strong>.<\/p>\n\n\n\n<p>Modus yang digunakan, para pelaku mengaku sebagai petugas dari perusahaan pembiayaan (<em>leasing<\/em>) atau PT tertentu yang bekerja sama dengan pihak kreditur. Namun ironisnya, tindakan mereka kerap dilakukan tanpa dasar hukum yang sah, bahkan tanpa membawa <strong>surat tugas resmi maupun putusan pengadilan<\/strong>.<\/p>\n\n\n\n<p>Salah satu warga yang enggan disebutkan namanya mengatakan, kelompok ini biasanya bergerombol dan langsung merampas kendaraan di jalan dengan alasan tunggakan cicilan.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cKalau tidak mau menyerahkan motor atau mobil, mereka ancam bawa ke kantor leasing. Kadang mereka lebih dari lima orang, sangat menakutkan,\u201d ujarnya.<\/p>\n<\/blockquote>\n\n\n\n<p>Padahal, menurut <strong>Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia<\/strong>, penarikan barang jaminan hanya dapat dilakukan <strong>oleh pihak yang memiliki sertifikat fidusia yang terdaftar dan disertai putusan pengadilan<\/strong> apabila debitur dinilai wanprestasi.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dasar Hukum dan Sanksi bagi Debt Collector IlegalPasal 29 ayat (1) dan (2) UU No. 42 Tahun 1999<\/strong> menyebutkan: Pemberi fidusia dilarang mengambil benda jaminan secara sepihak tanpa melalui prosedur hukum yang sah.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pasal 29 ayat (1) dan (2) UU No. 42 Tahun 1999<\/strong> menyebutkan: Pemberi fidusia dilarang mengambil benda jaminan secara sepihak tanpa melalui prosedur hukum yang sah.<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pasal 30 UU Fidusia<\/strong> menegaskan bahwa pelaksanaan eksekusi jaminan fidusia <strong>harus berdasarkan titel eksekutorial yang melekat pada sertifikat fidusia<\/strong>, bukan dengan kekerasan atau pemaksaan di lapangan.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pasal 368 KUHP<\/strong> (pemerasan): Barang siapa dengan maksud menguntungkan diri sendiri atau orang lain secara melawan hukum memaksa seseorang dengan kekerasan atau ancaman kekerasan untuk menyerahkan barang, diancam dengan pidana penjara <strong>paling lama 9 tahun<\/strong>.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pasal 365 KUHP<\/strong> (pencurian dengan kekerasan): Apabila dalam aksi tersebut pelaku menggunakan kekerasan, mengakibatkan luka atau ancaman terhadap korban, maka diancam dengan pidana <strong>penjara maksimal 12 tahun<\/strong>, dan dapat meningkat hingga <strong>15 tahun<\/strong> bila dilakukan oleh lebih dari satu orang (<em>berkelompok<\/em>).<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>APH Diminta Bertindak Tegas<\/strong><\/h3>\n\n\n\n<p>Praktik penagihan yang dilakukan oleh <em>Matel<\/em> berkedok PT dan leasing ini sudah seharusnya menjadi perhatian serius aparat penegak hukum (APH).<br \/>Mereka tidak hanya melanggar <strong>UU Fidusia<\/strong>, tetapi juga <strong>KUHP<\/strong> karena berpotensi melakukan tindak <strong>pemerasan, pencurian, dan kekerasan bersama-sama<\/strong>.<\/p>\n\n\n\n<p>Kepolisian diminta segera menindak tegas leasing yang menggunakan jasa debt collector ilegal, sebagaimana juga ditegaskan dalam <strong>Surat Edaran Kapolri Nomor SE\/2\/II\/2021 tentang Perlindungan Konsumen dalam Penarikan Kendaraan Bermotor oleh Perusahaan Pembiayaan<\/strong>. Dalam surat tersebut disebutkan bahwa <strong>setiap penarikan kendaraan wajib disertai surat fidusia dan dilakukan tanpa kekerasan.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Konsumen Berhak Dilindungi<\/strong><\/h3>\n\n\n\n<p>Konsumen yang menjadi korban <em>Matel<\/em> memiliki dasar hukum untuk melapor. Berdasarkan <strong>Pasal 4 huruf a UU Nomor 8 Tahun 1999 tentang Perlindungan Konsumen<\/strong>, setiap konsumen berhak atas kenyamanan, keamanan, dan keselamatan dalam menggunakan jasa maupun barang.<\/p>\n\n\n\n<p>Apabila leasing atau PT masih menggunakan jasa <em>Matel<\/em> tanpa izin resmi dan melakukan tindakan kekerasan, maka perusahaan tersebut dapat dijerat <strong>tindak pidana korporasi<\/strong> sesuai ketentuan dalam <strong>KUHP dan UU Perlindungan Konsumen<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>EDUKADI NEWS<\/strong> akan terus memantau pergerakan kelompok <em>Matel<\/em> di Bandung dan meminta aparat penegak hukum untuk segera menertibkan mereka sebelum semakin banyak masyarakat menjadi korban.(Timred)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>EDUKADI NEWS \u2013 Bandung.08\/11\/2025, Keberadaan oknum debt collector atau yang dikenal masyarakat dengan sebutan Matel&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"newstopic":[],"class_list":["post-8473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Berantas \u201cMatel\u201d Berkedok Debt Collector: Diduga Rampok, Bukan Penagih! 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