Rules for Debt Collector
Rules for Effective Debt Collector?
The behavior of credit card collectors or debt collector (DC) which sucks the customer has actually happened a long time. Already knows how many complaints submitted by holders of credit cards related to the association as well as through letters to the print media. But to be honest, not much change the habits of the debt collectors.
The climax, a Citibank customer is Unifying the Nation Secretary General Party (PPB) Irzen Octa (50) were killed in the process of repayment of loans to debt collectors Citibank on Tuesday (29 / 3) morning when the victim went to the office for questioning Citibank credit card bill that swells. The victim died after being confronted by bank officials and two DC officers. According to the victim, the credit card bill of Rp 48 million. However, the bank claimed his credit card bill reaches USD 100 million.
After falling victim died, then present all sides like a jerk and paying attention. Discourse improve DC performance was echoed from various parties, ranging from the House to the former thug, and some have suggested that disbanded because they often cause problems with customers. So what steps the Bank Indonesia (BI)?
As stated BI Deputy Governor Budi Rochadi S, the central bank will tighten the rules of the use of third party services or DC in the credit card billing. When the bank through its proven debt collectors to use force, then the Bank will conduct fit and proper test fit and proper test aka the bank board.
BI, Budi said, will add technical billing arrangement by DC contained in this regulation and the previous Circular. Penalties are given when the bank uses third-party services in which the use of violence then the supervisor will be reprimanded. Then when the bank is still ngeyel violence occurs again then the Bank will conduct fit and proper managers directly.
On the steps to be taken this BI, the most important thing we think of socialization as the customer is billing rules by DC. Until now there are many customers who do not know what the rules are applied to BI, then the extent of its application. So DC at will apply the customer. If it was not physical violence, confiscation of property without a legal basis, as well as psychological violence. Customer bullied, terrorized by an inappropriate sentence. Well, now there will be additional rules, the next question, what additional rules such details? If the customer knows, it is easy to anticipate and DC can not arbitrarily impose a variety of clients.
As a rule it is not publicly known, only the BI with the bank as a credit card issuing authority, the rules issued by BI certainly will not be effective role in the implementation. Thus, it requires an intense socialization of rules and sanctions outlined BI. It is so publicly known.
Now this alone, there are still many people who do not understand, if there is pressure from the authorities pressure the credit card issuer or DC, where to complain when an existing credit card associations. The Customer is also bullied by going to put in a list of black list, but it is said the term is not known, only subterfuge credit card issuer