Perlindungan Hukum terhadap Nasabah Akibat Kelalaian Bank Menghapus Informasi Debitur Individual yang Telah Lunas dalam Perjanjian Kredit (Studi Putusan Mahkamah Agung Nomor 2678 K/Pdt/2019)

Abstract

Negligence and errors on the part of the bank in reporting credit repayments, this can be a loss for customers. In general, prospective customers who are blacklisted or have bad credit and want to apply for a credit loan automatically in accordance with applicable procedures, the bank will not follow up on the loan loan application because the customer is considered unfit to receive credit facilities. The formulation of the problem in this thesis is how to take legal protection for customers related to the negligence of the bank in deleting individual debtor history information that has been paid off in the credit agreement, How is the bank's responsibility if there is negligence in deleting individual debtor history debtor information that has been paid off in the credit agreement, How is the analysis legal considerations and judges' decisions in providing legal protection for customers related to the bank's negligence in deleting information on Debtor Individual history that has been paid off in the credit agreement based on the decision of the Supreme Court Number 2678 K/Pdt/2019. The research was conducted using legal research, namely normative juridical which is descriptive analytical research that aims to describe a situation or symptom or to determine whether there is a relationship between a symptom and other symptoms. The data collection technique used is literature study. The results of the research and discussion show that legal protection for customers who are blacklisted due to bank negligence in deleting Individual Debtor Information (IDI) History Black List debtors who have been paid off in the credit agreement is to use repressive or preventive protection. The bank's responsibility for customer losses in submitting debtor reports, correcting debtor reports, requesting and using debtor information that does not comply with the provisions will be subject to administrative sanctions in the form of written warnings or written warnings, fines, and/or other administrative sanctions. The judge's legal considerations in the Supreme Court's decision Number 2678 K/Pdt/2019 are PT. State Savings Bank (Persero), Tbk. The Banjarmasin Branch Office committed acts against the law by not carrying out bad governance and service work so that it harmed the good name of the plaintiff as a debtor who had paid off his debt but was misinformed so that it was included in the black list of the relevant financial institution.