UPAYA HUKUM CESSIONARIS TERHADAP HAK TAGIH ATAS JAMINAN HAK TANGGUNGAN BERDASARKAN PENGALIHAN HUTANG (CESSIE)
| Main Authors: | Fitriana, Diana, Wahid, Abdul, Giyono, Urip |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | ind |
| Terbitan: |
Lex Jurnalica
, 2021
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| Online Access: |
https://ejurnal.esaunggul.ac.id/index.php/Lex/article/view/4797 https://ejurnal.esaunggul.ac.id/index.php/Lex/article/view/4797/3307 https://ejurnal.esaunggul.ac.id/index.php/Lex/article/downloadSuppFile/4797/497 |
Daftar Isi:
- AbstrakJual beli dan pengalihan piutang (Cessie) dari bank kepada pihak ketiga (kreditur baru) telah sesuai dengan ketentuan hukum yang berlaku, sehingga secara hukum pihak ketiga (kreditur baru) berkedudukan sebagai Kreditur baru yang memiliki hak tagih atas kewajiban debitur berdasarkan perjanjian kredit. Namun kenyataannya sejak Kreditur Baru menerima pengalihan Piutang atas nama debitur tidak melakukan pembayaran atas kewajibannya berdasarkan perjanjian kredit. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana upaya hukum cessionaris terhadap hak tagih atas jaminan hak tanggungan berdasarkan pengalihan hutang (cessie). Hasil penelitian ini bahwa upaya hukum cessionaris terhadap hak tagih atas jaminan hak tanggungan berdasarkan pengalihan hutang (cessie) yaitu mengajukan gugatan wanprestasi atau ingkar janji atas perjanjian kredit pada Pengadilan Negeri. Pembeli cessie harus mengajukan permohonan ke Pengadilan Negeri terlebih dahulu, agar dari ketetapan Pengadilan Negeri tersebut dapat menjadi dasar peralihan nama (didalam penetapannya, Pengadilan Negeri memerintahkan Badan Pertanahan Nasional (BPN) untuk dapat mengalihkan nama yang tertulis di sertifikat menjadi nama pembeli cessie.Kata Kunci: Upaya Hukum; Cessionaris; Hak Tanggungan; Cessie. AbstractThe sale and purchase and transfer of accounts receivable (Cessie) from the bank to a third party (the new creditor) are by applicable legal provisions, so legally the third party (the new creditor) is the new creditor who has the right to collect on the debtor's obligations based on the credit agreement. However, in reality, since the New Creditor received the transfer of Accounts Receivable on behalf of the debtor, he did not make payments on his obligations based on the credit agreement. The purpose of this research is to find out how the cessionary legal remedies against the right to collect on the guarantee of mortgage based on debt transfer (cessie). The results of this study indicate that the cessionary legal action against the right to collect on collateral based on the transfer of debt (cessie) is filing a lawsuit for default or breaking promises on the credit agreement at the District Court. Cessie buyers must apply to the District Court first so that the District Court's decision can become the basis for the change of name (in its decision, the District Court orders the National Land Agency (BPN) to transfer the name written on the certificate to the name of the cessie buyer.Keywords: Legal Efforts; Cessionaris; Mortgage right; Cessie.