Kewenangan Badan Penyelesaian Sengketa Konsumen pada Penyelesaian Sengketa Antara Perusahaan Pembiayaan Konsumen dengan Konsumen

Abstract

The Consumer Dispute Settlement Agency (BPSK) is the body that resolves consumer disputes through ways outside the court. BPSK is part of the judicial institution. However, this illustrates that BPSK decision does not have legal certainty so it is not authorized to decide decisions. The problems discussed in this study are How to Resolve Disputes in deciding cases of consumer financing agreements, and How the Judges' Decisions on resolving Consumer Financing disputes in Decision Number 4/Pdt.susBPSK/2017/PN.Mdn. The research method used is Library Research. This method by conducting research on various written reading sources from scholars, namely theory books about law, legal magazines, legal journals as well as lecture materials as well as regulations regarding the duties and authorities of the Consumer Dispute Settlement Agency (BPSK) with use primary legal materials, secondary legal materials, and tertiary legal materials. Field research namely by conducting field research in this case the author conducts research in the Medan District Court by making decisions related to the thesis title, namely the Authority of Institutions for Consumer Dispute Settlement in Settling Disputes between Consumer and Consumer Financing Companies in Decision Number 4/Pdt.susBPSK/2017/PN.Mdn. The result of this study is that the Consumer Dispute Settlement Agency (BPSK) is not authorized to adjudicate civil disputes (promises that are violated) because those related to default are not included in the scope of duties and authority of BPSK. Therefore, dispute resolution can be resolved through the District Court. On Decision Number. 4/Pdt.sus-BPSK/2017/PN.Mdn problems that arise are related to credit agreements that have been made and agreed upon by both parties to make repayments / credit installments, but the debtor does not fulfill the agreement, and is called default, so the debtor feels objection to the decision of the District Court judges who decide case of consumer financing agreement.