The Inclusion of Clauses in Motor Vehicle Financing Agreements That Harm Consumers in Medan City

Abstract

Consumer financing agreement clause determined unilaterally by a consumer financing company by eliminating consumer rights to rengotiate the clause. This condition causes the inclusion of a clause more oriented to the interests of consumer finance company and potentially harm consumers. The formulation of the problem in this study is as follows :how is the form of the clause of a motorized vehicle financing agreements that harm consumers in the city of Medan, how is the legal impact caused by the inclusion of a clause on motorized vehicle financing agreements that harm consumers in the city of Medan. The research method used is a normative juridical and empirical juridical research method with, inductive and deductive method of drawing conclusions. There are several consumer financing agreement clauses that have the potential to cause consumer lossesin the city of Medan, including : the inclusion of a payment clause in full if the debtor delays the installment payment, authorizing consumer finance companies to withdraw vechile units without prior notice. The legal impact caused in the form of  a dispute between the parties at BPSK and the court and the refusal of the parties to implement the agreement on motor vehicle consumer financing agreements.