1. Verifikasi Identitas dan LegalitasSaat debt collector datang, utamakan untuk bersikap tenang dan sopan, lalu segera lakukan langkah verifikasi berikut:Tanyakan Identitas: Minta mereka untuk menunjukkan Kartu Identitas (KTP), surat tugas resmi dari perusahaan pinjol yang memberikan perintah penagihan, dan kontak penanggung jawab dari perusahaan tersebut.Minta Sertifikasi Profesi: Debt collector resmi wajib memiliki Kartu Sertifikasi Profesi yang dikeluarkan oleh Asosiasi Perusahaan Pembiayaan Indonesia (APPI) atau sertifikasi profesi penagihan sejenis. Jika mereka tidak bisa menunjukkan dokumen ini, Anda berhak mencurigai legalitasnya dan menolak penagihan.
2. Ketahui Batasan Waktu PenagihanBerdasarkan aturan OJK, proses penagihan utang, termasuk kunjungan ke rumah, memiliki batasan waktu.Waktu Maksimal: Penyelenggara Pinjol hanya diizinkan melakukan penagihan, termasuk kunjungan ke debitur, maksimal hingga pukul 20.00 (jam 8 malam) waktu setempat. Penagihan dilarang dilakukan selama 24 jam.
3. Lakukan Komunikasi yang EfektifJika debt collector terbukti resmi, Anda bisa menjelaskan situasi Anda dengan kepala dingin:Jelaskan Alasan Keterlambatan: Sampaikan alasan keterlambatan atau tunggakan pembayaran utang Anda secara baik-baik dan jelas.
Komunikasi dengan Pemberi Pinjaman: Informasikan bahwa Anda akan menghubungi langsung pihak pemberi pinjaman (platform pinjol) untuk membahas utang tersebut lebih lanjut.Hindari Janji yang Tidak Pasti: Jangan menjanjikan tanggal atau jumlah pembayaran kepada debt collector jika Anda tidak yakin bisa menepatinya. Janji yang tidak terpenuhi bisa memperumit proses penagihan di kemudian hari.
4. Tolak Penyitaan Jika Dokumen Tidak LengkapDalam kasus penagihan utang yang berujung pada penyitaan barang, pastikan debt collector memenuhi syarat legalitas penyitaan:Surat Kuasa Penagihan: Barang sitaan hanya boleh diambil jika debt collector memiliki Surat Kuasa Penagihan resmi yang diterbitkan oleh penyedia pinjol tempat pinjaman diajukan.
Sertifikat Jaminan Fidusia: Penyitaan barang yang dijadikan jaminan harus disertai Sertifikat Jaminan Fidusia (dokumen asli) yang membuktikan bahwa barang tersebut sah menjadi jaminan. Jika sertifikat ini tidak dapat ditunjukkan, Anda berhak menolak aktivitas penyitaan tersebut.
5. Laporkan Pelanggaran Etika PenagihanPenyelenggara Pinjol dilarang keras menggunakan cara-cara penagihan yang melanggar etika dan hukum. Anda dapat melaporkan jika terjadi hal-hal berikut:
Ancaman dan Intimidasi: Menggunakan ancaman, intimidasi, bentuk kekerasan, atau hal-hal negatif lainnya.Unsur SARA: Merendahkan suku, agama, ras, dan antargolongan (SARA), harkat, martabat, dan harga diri, baik secara fisik maupun di dunia maya (cyber bullying).
Penyebaran Data: Menyebarkan data pribadi Anda atau menghubungi kontak darurat, rekan, hingga keluarga dengan cara yang mengancam atau tidak etis.
Sanksi Hukum dan PelaporanMenurut UU No. 4 Tahun 2023 tentang Pengembangan dan Penguatan Sistem Perbankan (UU PPSK), Pelaku Usaha Sektor Keuangan (PUSK), termasuk Pinjol, yang melakukan pelanggaran dalam penagihan dapat dikenakan sanksi pidana penjara dan denda yang besar.
Jika Anda mengalami pelanggaran etika atau hukum oleh debt collector:
Otoritas Jasa Keuangan (OJK): Laporkan melalui kontak OJK di 157, WhatsApp 081-157-157-157, atau email konsumen@ojk.go.id.
Kepolisian (Aduan Siber): Jika ada unsur ancaman atau penyebaran data (cyber bullying), laporkan melalui situs https://patrolisiber.id/ atau email info@cyber.polri.go.id.
Penyelenggara Pinjol wajib bertanggung jawab penuh atas seluruh proses penagihan, termasuk tindakan yang dilakukan oleh debt collector pihak ketiga.
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