LEGAL REVIEW OF THE CANCELLATION OF THE CONSUMER DISPUTE RESOLUTION AGENCY'S DECISION DUE TO DEFAULT IN A CREDIT AGREEMENT (Study of Decision Number 587 K/Pdt.Sus-BPSK/2021)

Abstract

Consumer disputes occur because consumer rights are violated. Settlement of consumer disputes carried out outside the court can be through a dispute resolution body, or carried out by the parties themselves. The formulation of the problem in this thesis is what is the purpose of establishing the Consumer Dispute Resolution Body, what is the authority of the Consumer Dispute Resolution Body in resolving defaults in credit agreements, what are the legal considerations of the judge in decision Number 587 K/Pdt.Sus-BPSK/2021 which canceled the decision of the Consumer Dispute Resolution Body. This research is of a normative juridical nature that connects it with applicable laws and regulations. The research uses a library research method and the data is analyzed using qualitative analysis or described in sentences.  Based on the discussion, it was concluded that the legal considerations of the judge in decision Number 587 K/Pdt.Sus-BPSK/2021 which canceled the decision of the Consumer Dispute Resolution Agency were that the BPSK was not authorized to resolve disputes/cases in the field of civil law or a dispute/case issued based on a default on an agreement that had been agreed upon by the parties in this case between the customer/debtor and the bank whose rights and obligations had been agreed upon in the credit agreement.