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The Auto Loan Dispute Letter is a crucial document in Indonesia's consumer finance landscape, designed to facilitate the resolution of conflicts between borrowers and auto loan providers. It is typically used when standard customer service channels have not resolved the issue satisfactorily. The document must align with Indonesia's Financial Services Authority (OJK) regulations, particularly OJK Regulation No. 1/POJK.07/2013 on Consumer Protection in the Financial Services Sector, and Law No. 8 of 1999 on Consumer Protection. The letter should include specific details about the loan agreement, nature of the dispute, previous communication attempts, and requested resolution, while maintaining a professional and legally compliant format. This document is particularly important as it creates a formal record of the dispute and can be used in further legal proceedings if necessary.

1. Sender's Information: Full name, address, contact details, and loan account number of the sender

2. Date: Current date of the letter

3. Recipient Details: Name and address of the auto loan provider/financial institution

4. Subject Line: Clear indication that this is an auto loan dispute letter with reference numbers

5. Loan Information: Details of the auto loan including account number, vehicle details, and loan terms

6. Dispute Description: Clear and concise explanation of the specific issues being disputed

7. Previous Communication: Reference to any previous attempts to resolve the issue

8. Legal Basis: Reference to relevant Indonesian consumer protection laws and regulations

9. Resolution Request: Specific actions requested from the lender to resolve the dispute

10. Response Timeline: Specified timeframe for expected response as per Indonesian regulations

11. Closing: Professional closing statement and signature