Perlindungan kreditor terhadap pembelian piutang (cessie) dengan hak tanggungan dalam hal adanya upaya eksekusi di pengadilan negeri

Simarmata, Frederikson (2021) Perlindungan kreditor terhadap pembelian piutang (cessie) dengan hak tanggungan dalam hal adanya upaya eksekusi di pengadilan negeri. Masters thesis, Universitas Pelita Harapan.

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Abstract

The right to collect these receivables can also be transferred by the creditor to a third party through Cessie. Receivables transferred by the Cessie method are claims held by the creditor on the debtor. The bill is a bill on behalf of. The transfer of receivables by Cessie is related to the credit agreement which results in the emergence of receivables being transferred because Cessie is also related to the right of the new creditor to obtain payment for the receivables of the old creditor from his debtor. In the transfer of receivables that arise based on a credit agreement, there are also accompanying Mortgage Rights. Decision on Case No. 381/Pdt.Plw/2019/Pn.Tng in the Tangerang District Court. The case in this case is Mrs. Elisabet Ramadiharja has taken over the receivables of PT. Bank Negara Indonesia (Persero) Tbk against the debt of the Opponent IV, based on the Deed of Transfer of Receivables Agreement (Cessie) No. 28 dated December 28, 2018. Previously, Terlawan IV entered into a credit agreement with Bank BNI based on the Credit Agreement Number LNC/251/2013/278 dated November 22, 2013 with the land and/or building having placed mortgage rights based on the Mortgage Certificate 15584/2014 and the Deed Granting Mortgage Number 220/2014 dated August 22, 2014. It turned out that the object of the guarantee was confiscated and will be executed based on the Tangerang District Court Decision Number 67/Pen.Eks/2017/PN.Tng juncto Number 561/Pdt.G/2014/ PN.Tng juncto Number 115/Pdt/2015/PT.Btn juncto Number 3246 K/Pdt.G/2016, dated July 26, 2018 which was carried out without an explicit review of the status of ownership and parties entitled to the object of the case. Normative legal research using a statutory approach, a case approach and a conceptual approach. The result of the research, is that the District Court should be able to understand in advance the problems raised in an Opposition, especially the existence of the Deed of Delivery Agreement (Cessie) and the Deed of Transfer of Receivables Agreement which has been accompanied by the transfer of mortgage rights on the confiscated object due to the existence of the Deed of Delivery Agreement. Receivables (Cessie) and Deed of Receivable Transfer Agreement have been accompanied by transfer of mortgage rights on the confiscated object. / Hak untuk menagih piutang tersebut juga dapat dialihkan oleh kreditur kepada pihak ketiga dengan melalui Cessie. Piutang yang dialihkan dengan cara Cessie adalah suatu tagihan yang dimiliki oleh kreditur atas debiturnya. Tagihan tersebut merupakan tagihan atas nama. Pengalihan piutang secara Cessie memiliki keterkaitan dengan perjanjian kredit yang mengakibatkan timbulnya piutang yang dialihkan oleh karena Cessie juga berkaitan dengan hak kreditur baru untuk memperoleh pembayaran atas piutang kreditur lama dari debiturnya. Dalam pengalihan piutang yang timbul berdasarkan perjanjian kredit, terdapat pula Hak Tanggungan yang menyertainya. Putusan Perkara No.381/Pdt.Plw/2019/Pn.Tng di Pengadilan Negeri Tangerang, Duduk perkara dalam kasus ini ialah Ny. Elisabet Ramadiharja telah mengambilalih piutang PT. Bank Negara Indonesia (Persero) Tbk terhadap utang Terlawan IV, berdasarkan Akta Perjanjian Pengalihan Piutang (Cessie) No. 28 tertanggal 28 Desember 2018. Sebelumnya Terlawan IV melakukan perjanjian kredit dengan Bank BNI berdasarkan Perjanjian Kredit Nomor LNC/251/2013/278 tertanggal 22 November 2013 dengan tanah dan/atau bangunan tersebut telah diletakkan hak tanggungan berdasarkan Sertifikat Hak Tanggungan 15584/2014 serta Akta Pemberian Hak Tanggungan Nomor 220/2014 tertanggal 22 Agustus 2014. Ternyata terhadap objek jaminan tersebut diletakkan sita dan akan dilakukan eksekusi berdasarkan Penetapan Pengadilan Negeri Tangerang Nomor 67/Pen.Eks/2017/PN.Tng juncto Nomor 561/Pdt.G/2014/PN.Tng juncto Nomor 115/Pdt/2015/PT.Btn juncto Nomor 3246 K/Pdt.G/2016, tertanggal 26 Juli 2018 yang dilakukan tanpa adanya tinjauan secara eksplisit mengenai status kepemilikan dan pihak yang berhak atas objek perkara. Penelitian hukum normatif dengan rnenggunakan pendekatan perundang- undangan, pendekatan kasus dan pendekatan konseptual. Hasil dari penelitian, adalah bahwa Pengadilan Negeri seharusnya dapat memahami terlebih dahulu permasalahan yang diajukan di dalam sebuah Perlawanan terutama adanya Akta Perjanjian Penyerahan Piutang (Cessie) dan Akta Perjanjian Pengalihan PiutanG yang telah disertai dengan pengalihan hak tanggungan atas Objek Sita dikarenakan dengan adanya Akta Perjanjian Penyerahan Piutang (Cessie) dan Akta Perjanjian Pengalihan Piutang telah disertai dengan pengalihan hak tanggungan atas Objek Sita.

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