Hati-hati beli motor tarikan atau tanpa surat lengkap..

kebetulan dunia leasing motor memang salah satu yang menarik bagi saya untuk dibahas, begitu banyak leasing yang menawarkan skema kepemilikan sepeda motor, dari DP jutaaan hingga DP cuma 300rb!!!ck..ck..ck 😆

efek buruk dari kemudahan skema kredit motor salah satunya adalah kredit macet, nah disitulah tugas para debt collector yaitu menarik angsuran yang menunggak, hingga ke penarikan unit baik secara biasa ataupun paksa, pernah melihat beberapa gerombol orang nongkrong di pinggir jalan sambil bawa buku kecil tebel? yups, itulah salah satu metode yang mereka gunakan untuk mencari unit atau motor yang kreditnya macet, penarikan bisa dilakukan di jalan saat itu juga, atau berkunjung ke rumah konsumen untuk mengambil unit motor yang bermasalah kreditnya, tentunya penarikan disertai bukti bukti resmi dari pihak leasing kredit, disertai adu otot dan argumentasi lah…hahahahaha 😆

saya juga baru tahu kalau perjanjian kredit motor sekarang adalah perjanjian sewa beli, yang artinya konsumen hanya dianggap menyewa kendaraan dari pihak leasing sampai batas akhir angsuran kendaraan tersebut, trus jika angsuran sudah lunas maka kendaraan tersebut baru sah dianggap di beli oleh konsumen yang bersangkutan, jadi sebelum kendaraan tersebut lunas, statusnya masih menjadi milik leasing, meski di STNK sudah tertulis nama konsumen. :mrgreen:

unit-unit yang ditarik ‘langsung’ dari jalan, umumnya harus diserahkan ke kantor mereka pada hari itu juga, tidak diperkenankan ada penundaan atau disimpan sendiri oleh debt collector dalam jangka waktu tertentu untuk menghindari hal-hal yang tidak diinginkan karena unit itu ditarik paksa dari jalan. tapi klo mau unit-nya tidak ditahan dan dikasih ‘spare’ untuk masih dapat memakai kendaraan tersebut, biasanya si oknum debt collector meminta ‘uang lelah’ yang besarnya bisa 1 kali angsuran motor itu bahkan lebih, tergantung situasi. jadi ntar dianggap belum ketemu begitu laporan mereka pada atasannya di kantor leasing 😆

yang sering dimanfaatkan oleh oknum adalah penarikan kendaraan yang dilakukan dirumah, biasanya kendaraan kendaraan ini disimpan atau ditahan dulu oleh si oknum debt collector sendiri beberapa lama, bahkan bila unitnya masih bagus maka akan dijual melalui perantara dengan harga murah, hanya disertai kelengkapan STNK saja, disinilah masalahnya, motor yang dijual ini selang 3-4bulan akan dicari lagi oleh si oknum debt collector itu, untuk ditarik ‘lagi’, jadi ada semacam kerja sama antara si oknum debt dengan perantara, tentunya konsumen yang membeli motor tarikan ini tidak bisa berkutik, apabila jika ditodong dengan sangkaan penadah, karena ada motor ada STNK tapi bukan atas nama, dan BPKB dipegang oleh si oknum debt collector :D, kalaupun motor itu pasaran-nya jelek, biasanya part-part-nya yang dijual untuk disubtitusi dengan kendaraan lain yang sejenis. jadi setelah tuh motor bermasalah muter muter jadi duit baru deh ntar diserahin lagi dikantor mereka, biasanya motor-motor bermasalah tersebut akan dilelang oleh pihak leasing.

hmm, jadi jangan mudah tergiur klo ada orang nawarin motor keluaran tahun baru dengan harga murah, tapi surat tidak lengkap bisa jadi kena jebakan betmen para oknum2 tidak bertanggung jawab seperti itu, dan hati hati klo beli motor bekas tarikan hasil lelang ya siap siap dana lebih buat reparasi lah 😀

*wawancara exclusip dengan salah satu debt collector kenalan saya 😀

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  1. biasanya motor2 tarikan lelang gt yg part2nya diganti apa aja.
    ane lg tertarik beli motor lelang.
    kali2 aja ada tips membeli motor lelang.

  2. Alhamdulillah. Motor saya ga ada masalah. Tapi ya itu, harus punya kenalan orang dalam yg bisa dipercaya. Kalo ngga, mending jangan lah…..

  3. klo partyg diganti sih ya apa aja tergantung ada buyer ga? Pengalaman dbengkel temen blok head silinder pun ditukar, palagi cuma karbu,ban,velg,shock,cdi,dll yg mudah dicopot,kan ada istilah barang copotan,salah satu sumbernya ya motor tarikan spt ini

  4. iya neeh aq juga sering denger modus operandi seperti itu dari temanku yang juga kerja dileasing, wis pokoknya hati2 aja dech kalo beli motor cabutan

  5. beli motor bodong buat dijadiin trail..ngk bakalan dikejar2 dah ama DP usil..xixiixixix..banyak tuh yg udah coba..apalagi tukang ojek di desa2 kebanyakan pada beli motor tarikan buat ngojek..ngk usah pasang plat nomer ato bodi ngk lengkap its ok..penting mesin sehat :mrgreen:

  6. waduh gimana ya..?? saya ada rencana mau beli motor di pelelangan. soalnya emang disitu yang harganya murah. kalo di tempat jual beli motor masih mahal.
    kayanya harus ekstra hati-2 nih…. thx infonya…..

    • klo lelang sih resmi ya tentunya lebih safe klo yg sy tulis ini diluar jalur yang seharusnya..klo lelang ga usah khawatir mas semua surat kan lengkap dan biasanya kondisi barang jg ada kelasnya..pinter2 milih aja klo lelang resmi dan pinter nawar tentunya

  7. yah…di bandung pun ada. jual bekas, pas transaksi BPKB dijanjikan 2 minggu. namun setelah 2 minggu BPKB tak kunjung datang.

  8. KEPUTUSAN MAHKAMA AGUNG DAN UU PERDATA BILA KONSUMEN SUDAH MEMBERIKAN UANG MUKA DAN SEPERTIGA HARGA BARANG KRIDIT TSB SUDAH MENJADI HAK NYA KONSUMEN.
    PELAKU USAHA TIDAK BERKUASA MENARIK KENDARAAN TSB.
    DEBT KOLEKTOR LAPORKAN JIKA MELAKUKAN KEKERASAN PASAL 378, MELAKUKAN PAKSA 318 DAN 315. PASAL BERLAPIS.

  9. Saya mo tanya.kemaren saya baru saja beli motor harga murah tapi mati alias tanpa surat.nahh ….baru saja kolektor dari bank datang kerumah dan ambil motornya.alasannya.pemilik yang lama belum.lunas biaya kreditnya.yg mau saya tanyakan.apakah saya kena hukuman pidana atau kena masalah berlanjut setelah ini ??mohon jawabanya.trimakasih

    • kalau tdk dipermasalahkan aman kok, kecuali kalau situ tau motor bodong dan tetap dibeli, ya resiko dituduh penadah pun bisa , intinya dalam posisi yg lemah

  10. Gan kalo ada yg jual motor surat2 nya cuma ada BPKB aja non STNK itu ama gak yah…info nya donk soal nya ane taku brurusan ama polisi gan..?? Trims

  11. ad tman yg sdh ambil mobil avansa all new cm 40jt,sdh 1th pk aman2 tuh.dia nawarin ane.katanya sih dia ad orang dlm.Terbukti memang bnyak tmn2 ane yg ambil mobil sma dia.
    nah skarang ane tanya,emang klo sdh ad orang dlm itu sdh pasti aman ya????????????
    Agan2 bagi2 info n masukannya ya….thanks. …

    • Gaksah mb silvi klo lelang mb tau dan alami prosesnya gpp….itu yg aman biasanya pake nama shoiwroom dan mb nitio nanti kasi uang jasa ….klo masalah penarikan dijalan mah gampang itu bs dikatakan perampasan,perampokan jd bgmn klo rampok??motor kita kunci dan gembok dijalan kita tungguin dr 10 meteran klo dc memaksa buka ato bawa mtor kita teriak maling saling kita lempari batu…..yg kedua kita ajak duel aja yg namanya leasing bank kperasi dg bunga mencekik itu gak benar!!

  12. bagaimana caranya ya biar kita tau kalau motor yang kita beli tidak bermasalah, selain harus ke kantor polisi? ngeri kalau ada masalah dengan polisi

  13. Pingback: Hati Hati Penipuan Jual Motor STNK-Only Menggunakan Nama Honda Cengkareng

  14. Bro, saya punya motor yang dicuri. Saya mau pakai jasa mata elang untuk mencari motor saya. Kira2 bisa gak ya? Tolong infonya.

  15. Pingback: Hati Hati Penipuan Jual Motor STNK-Only Menggunakan Nama Honda Cengkareng

  16. Mau nyanya saya di tawarin dari PT Adria dengan montor bekas tarikan lelang begitu murah bgt harga montor Yamaha R25 cma 9juta dan R15 cuma harga 7 jta. Sya tanya katanya sutat” lengkap. Klo mau bli trsfer dulu uang 1 juta 300 RB uang ongkir. Tr di anterin dan sisanya byr KLO udah mntor di anterin Bru nglunasi… Jadi saya agak takut KLO udah transfer gk dianterin dan takut KLO mntor itu bermasalah…. KLO mntor Bks ditarik lelang di beli harga murah kira” gimana ya bro kondisinya..

    • kalau model transfer dlu tanpa liat barang secara fisik dan tidak melihat pemberitahuan lelang secara resmi/tertulis/banner dll bisa dipastikan itu modus penipuan dengan dalih menjual motor tarikan leasing, sebaiknya hati hati mending yang pasti pasti saja beli motor bekas di dealer motor bekas/perorangan dengan mengajak teman atau saudara yang mengerti, untuk kondisi motor namanya motor bekas kadang tidak 100% perlu perbaikan sana sini sebaiknya dicek dly motor bekas yang mau dibeli sebelum deal harga

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  51. jadi jangan mudah tergiur klo ada orang nawarin motor keluaran tahun baru dengan harga murah, tapi surat tidak lengkap bisa jadi kena jebakan betmen para oknum2 tidak bertanggung jawab
    Ane setuju gan

    Mending yg aman saja gan
    Salam