Perlindungan Hukum bagi Konsumen dalam Perjanjian Pembiayaan Leasing Mobil pada PT. Nusa Surya Ciptadana (NSC) Finance Binjai

Abstract

Discussion of this thesis about legal protection for consumer in car leasing financing agreement by conducting research at PT. Nusa Surya Ciptadana (NSC) Finance Binjai. This legal protection issue is important because lease transactions place consumers at an unbalanced contractual angle. The problem of discussion of this thesis is how the relation of consumer law in leasing financing agreement at Nusa Surya Ciptadana (NSC) Finance Binjai, how to solve the problem arising from default by the debtor in the implementation of financing agreement on Nusa Surya Ciptadana (NSC) Finance Binjai and how legal protection for consumers in a lease financing agreement at Nusa Surya Ciptadana (NSC) Finance Binjai. This type of research is normative juridical that describes, examines and explains and analyzes normative provisions and practices that occur in leasing agreements. The results of research and discussion explain the relationship of consumer law in leasing financing agreement at PT. Nusa Surya Ciptadana (NSC) Binjai, is the creditor in the credit agreement accompanied by Letter of Recognition of Payable With Submission of Fiduciary Guarantee with PT. Nusa Surya Ciptadana (NSC) Binjai as the debtor. Consumer legal relationship is set forth in a written and contractual written agreement governing the rights and obligations of the parties. Settlement of problems arising from default by debtor in the implementation of financing agreement at PT. Nusa Surya Ciptadana (NSC) Binjai done by deliberation and consensus in cases related to wanprestasi in the form of withdrawal of leasing object. If the lease object is not known to exist then the PT. Nusa Surya Ciptadana (NSC) Binjai conducts the reporting process to the Police on the basis of embezzlement. Legal protection for consumers in leasing financing agreement at Nusa Surya Ciptadana (NSC) Finance Binjai is done in three stages, namely pre-contractual stage, where PT. NSC Finance Binjai Branch must be consistent not to provide financing to consumers who can not afford. Then the contractual phase, where the contents of the contract must meet the principle of balance and contractual made in writing, then post-contractual phase by insuring the leasing object.