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RA-2026-04-9904

voluntary surrender

PFID-2025-9904 · Bagas Pratama · 2023 Toyota Fortuner

IDexecuted

Indonesia — fiduciary pathway

Per Constitutional Court ruling 18/PUU-XVII/2019, automatic execution authority is constrained. The selected pathway determines the downstream checklist.

  1. Voluntary surrender
    Documented signed consent on file.
    Selected
  2. Court-order pathway (KPKNL)
    MK 18/PUU-XVII/2019 — required when borrower disputes default.
  3. Fraud / abandonment exception
    Senior escalation required.

Compliance checks

Approve is locked until every required check passes. Each check is anchored to a rule.

  • Fiduciary pathway selected: voluntary surrender
    MK 18/PUU-XVII/2019
    ok
  • Signed surrender consent on file
    MK 18/PUU-XVII/2019
    ok
  • KPKNL reference (court-order pathway only)
    Internal · kpknl-required
    optional
  • Field vendor OJK-certified (POJK 35/2018)
    POJK 35/2018
    ok
  • No third-party harassment in trail
    POJK 6/2022
    ok

Notice templates

  • Pre-repossession notice
    Not yet issued
    pending
  • Reinstatement window
    n/a in this jurisdiction
    pending
  • Redemption window
    n/a
    pending
  • Post-repo notice of sale
    Will generate from template on execution
    ready
  • Personal-property inventory plan
    Linked to recovery case on execute
    pending