Karim bought a second hand toyota hilux from jamin baik sdn bhd. on 15 january 2012, he signed a hire-purchase agreement for the car with our bank. the hire purchase agreement contained all the standard terms of a hire purchase agreement. karim started paying the installments since february 2013. in october 2012, karim met an accident and was hospitalized for 5 months. as a result of the accident, karim who carried on his own business faced financial difficulties and failed to make three consecutive payments of the installment.