GEMPAR! Detik-detik Kantor Pinjol OJK Digeruduk Pengacara: "Kalian Pikir Kalian Kebal Hukum?!

Complaint Against Adapundi Online Lending
📌 The core issue is the alleged illegal debt collection practices by Adapundi, specifically by their third-party collector, PT Dongyang, who contacted the debtor's husband's workplace and HRD via email.
⚖️ These actions are claimed to violate several regulations, including POJK Regulation No. 10/2022, OJK Circular Letter No. 19/2023, the Personal Data Protection Law (UU PDP), and the new Criminal Code (KUHP).
📜 A first warning letter (Somasi) was submitted to Adapundi representatives demanding clarification and cessation of improper contact, requesting a response within a 5 working day investigation window.
👨‍💼 The debtor's husband, who has worked at his company for 25 years, stated his professional reputation was damaged by being falsely implicated as a debtor via company email groups.

Regulatory Violations Cited
🛑 POJK and OJK Circular Violations: Collection attempts were made against parties other than the debtor, violating guidelines that prohibit contacting non-recipients of the loan (OJK Circular Letter No. 19/2023, Chapter 10, item 5.2 D2).
🛡️ Personal Data Protection: Disclosing personal information (like the debt) to unrelated third parties violates the Personal Data Protection Law (UU PDP), potentially leading to penalties up to 4 years imprisonment or a fine of Rp4 billion.
❌ Improper Collection Tactics: The collector's actions, including contacting the workplace, are considered threatening and humiliating, violating prohibitions against violence and intimidation in debt collection (POJK No. 19/2023).

Company Response and Next Steps
🤝 Adapundi acknowledged receipt of the complaint and confirmed they would instruct PT Dongyang to stop collection efforts during the 5-day investigation period.
📅 Responses are expected via both WhatsApp (from a verified number) and official email within 5 working days, starting from the day the Somasi was received (estimated to be by Friday).
📈 The current total outstanding amount mentioned was Rp4,330,751.51, with a daily late fee penalty interest rate of 0.6%.

Key Points & Insights
➡️ Document Everything: Ensure all illegal contact (emails, calls) is documented with dates and times as evidence for legal follow-up if compliance is not met.
➡️ Enforce Boundaries: Insist that follow-up clarifications regarding third-party contacts (like the husband's HRD) must be provided specifically via email to the legal representatives.
➡️ Know Your Rights: Debt collection practices must adhere strictly to OJK regulations; collection attempts outside the debtor's immediate circle or using harassment are grounds for further legal action (criminal or civil).
➡️ Follow Up on SLA: Hold Adapundi accountable to their stated 5-day Service Level Agreement (SLA) for investigation and response, and be prepared to escalate legally if the response is inadequate or delayed.

📸 Video summarized with SummaryTube.com on Jan 28, 2026, 07:21 UTC