Mataram (Inside Lombok) – An individual with the initials DL must be held accountable for his actions. The reason is, he has pawned a motorbike that still has the status of being a financing object at PT Nusa Surya Ciptadana (NSC Finance).

NSC Finance Legal Martin Roytagam Sihombing explained that initially DL was a consumer of NSC Finance. And has an obligation to pay installments every month starting from 2024. However, instead of fulfilling his obligations to NSC Finance on time, he has actually been in arrears since the second payment to NSC Finance.

Another fact is that DL has sold or pawned a motorbike that is the object of financing owned by NSC Finance to another party. This action was without notification or permission from NSC Finance.

This action is clearly and clearly an act suspected of being a criminal act. As regulated in Article 36 of Law Number 42 of 1999 concerning Fiduciary Guarantees and/or Article 372 of the Criminal Code concerning Embezzlement.

For his actions, the DL has served his sentence in Mataram Class III Women's Prison. "We would like to express our gratitude to law enforcement officers who have been firm and swift in legally processing individuals who have misused NSC Finance financing facilities to obtain their own personal benefits illegally," he said.

He emphasized that the company will take firm action against any illegal acts that occur. This is to provide a deterrent effect and realize healthy financing transactions. That way, the company's vision to help the community's economy through vehicle credit facilities is maximized.

"The act of transferring fiduciary collateral objects or generally vehicles with credit status is certainly a criminal act that is prohibited by statutory provisions," he explained.

Consumers or debtors are prohibited from selling, transferring, or transferring ownership or control of vehicles that still have the status of financing collateral objects in financing companies to any party without written approval from the relevant Financing Company. Given that ownership of the vehicle in question is guaranteed and still in the hands of the financing company as the credit facility provider.

"Until the financing period has ended or the debt has been fully paid off," he said.

The transfer of the vehicle in question has the potential to be prosecuted under Article 372 of the Criminal Code concerning Embezzlement with a threat of 4 years in prison, or Article 36 of the Fiduciary Guarantee Law with a threat of 2 years in prison.