GUGATAN PEMBLOKIRAN KARTU KREDIT OLEH KONSUMEN KEPADA PT.BRI CABANG PADANG PADA BADAN PENYELESAIAN SENGKETA KONSUMEN (BPSK) KOTA PADANG.

Abstract

ABSTRACT

The credit card is a plastic card issued by a bank as a means of payment functions and making money. In the use of credit the possibility of a loan difficult because of the inability of customers billed or arrears that exceed the payment due, resulting in the blocking of credit cards. Blocking is generally derived from the customer or the bank may be less thorough in analyzing the credit. Giving rise to the dispute in the form of a lawsuit consumers to BPSK. The problem is 1) Are the reasons to BPSK consumer lawsuit over credit card blocking ?, 2) whether inhibiting factor in consumer dispute resolution by BPSK ?, and 3) How does consumer dispute resolution process by BPSK on a lawsuit filed by consumers against credit card blocking by PT.BRI ?. In this study the authors used a method based on the socio-juridical with primary data and secondary data. Where data collection through interviews and document study. The results showed that 1) The reason for consumers to BPSK lawsuit is unclear information received as well as the loss felt by the Plaintiff. 2) inhibiting factors in consumer dispute resolution by BPSK namely the external and internal factors either of the Plaintiffs, Defendants, as well as from the Assembly. 3) The process of settlement of disputes by BPSK by using the process of settlement of disputes by means of arbitration which is based on an agreement between Plaintiffs and Defendants.

Keywords: The lawsuit, CreditCard, BPSK