Risk Management Coordinator Indonesian Credit Card Association

Diversification of business is not only done by a company. Profession advocates did the same. There are some advocates who provide service settlement of claims (bleaching) of unpaid credit card. In fact, services they do that already published in several local mass media and nationally.

This phenomenon was recognized by Dodit Wiweko Probojakti, Risk Management Coordinator Indonesian Credit Card Association (AKKI). This phenomenon is particularly true in some big cities like Jakarta, Bandung and Surabaya.

Sure, go Dodit problem is a serious problem for credit card industry in Indonesia. And, most harmed by the existence of advocates who offer such services is the credit card issuer.
Data AKKI owned during the last six months has been noted that more than 4,000 customers who submitted their credit card problems to lawyers. In fact, “If we see outstanding balancing, the number has more than USD10 billion, “he said in a seminar titled The Role of Lawyers in Settlement of Credit Card Receivables in Jakarta some time ago.
The man, who also serves as Chief Risk Officer of PT GE Finance Indonesia is says advocates the use of services by some customers is believed to be  one of the most powerful moments in bleach his credit card bills the loss. Customers become free from having their credit card bills taken over by lawyers.
Modes that have been successfully recorded by AKKI, clearly Dodit, usually the owners of the credit card payment is jammed come to advocate. Then he  asked the lawyer to take over their credit card bills. Then
The lawyers will ask for credit card holders to change the address, phone number tel, mobile phones to the address / call the lawyers. “Later, when the credit card issuer came to collect the debt to the card owner, said by the owner of the card if the bill had been taken over by the lawyer that he was nominated, “he said.
Card holders must also create powers of attorney, and letter stating that he only   can pay bills USD 100 per month. The lawyers will take care of the bleaching  the bill with the promise he will earn a commission of 20 percent of the total bill. If successful the holder can not apply a new card again for two years.

If successful the holder can not apply a new card again for two years. There are elements Fraud A manager of a credit card at private banks do not reject the existence of trends settlement of unpaid credit card bills by using the services advocates. In fact, at work, nearly every day there is only an advocate who claiming to represent the customer. Advocate openly it has got power from the A to complete the credit card bills. Toward a process like that, he said, his side did not immediately believe that only. “Because of that came an advocate, it is serving the legal team from our bank. What we know, the process will run a lot and we usually ignore it, “he told Powered by Media Wiki who requested that his identity Unpublished.
Actually, he continued, for the customers of credit card owners should not use services advocates. In addition to inefficiency, the customers are often deceived. “We have experience. There was one customer when we ask to settle bills credit card, she casually told that everything had been taken over by lawyers who have been appointed. Clearly, the customers feel liberated of these bills, “he said. “Can not seeprti it. Still, the customer must complete the bill although he admitted that he had submitted it to the lawyers. What we pursue the
customers, not advokatnya, “he said.
One more thing that should be noted, continued the manager, card receivables bad credit usually given to third parties or agencies to collect. Well, this character only outsourcing agency, not part of division of a bank. So, “The matter is no longer the bank and the customer.
But, the agency that represented the bank and its customers, “he explained. Once again, the manager advised if there is a charge card customers delinquent loan or loss, should be resolved own well, do not use Jada advocates. “Fee is too expensive. What I know, fee amounting to USD 750 thousand for the bills under USD 3 million. Forbills on top of that, his fee could reach 20 percent, “he said.

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