Act 212 - Hire-Purchase Act 1967

LAWS OF MALAYSIA
ONLINE VERSION OF UPDATED

TEXT OF REPRINT

Act 212

HIRE-PURCHASE ACT 1967

As at 30 July 2012

2


First enacted 1967 (Act No. 24 of
1967]

Revised 1978 (Act 212 w.e.f
15 November 1978)

Latest amendment made by
Act A1384 which came
into operation on 15 June 2011

PREVIOUS REPRINTS

First Reprint 2001

Second Reprint 2006

3
LAWS OF MALAYSIA

Act 212


ARRANGEMENT OF SECTIONS

PART I

PRELIMINARY

Section

1. Short title and application
2. Interpretation
3. Appointment of officers

PART II

FORMATION AND CONTENTS OF HIRE-PURCHASE
AGREEMENTS

4. Requirements relating to hire-purchase agreements
4A. Hire-purchase agreement to be in writing
4B. Hire-purchase agreement to be signed, etc.
4C. Contents of hire-purchase agreement
4D. Separate agreement for every item of goods
4E. Motor vehicle registration certificate
4F. Altered or modified motor vehicle
4G. Declaration on second-hand motor vehicle
5. Copy of documents to be served on hirer
6. (Deleted)

PART IIA

OPTION TO HIRER

6A. Option to hirer
6B. Right of owner to revise the base lending rate
4 Laws of Malaysia ACT 212

Section

6C. Right of hirer where the base lending rate is revised

PART III

PROTECTION OF HIRERS AND GUARANTORS

Warranties and Conditions

7. Conditions and warranties to be implied in every hire-purchase agreement
8. Liability of the owner and person acting on his behalf for
misrepresentation

PART IV

HIRERS

Statutory rights of hirers

9. Duty of owners and sellers to supply documents and information
10. Appropriation of payments made in hire-purchase agreements
11. Power of court to allow goods to be removed
12. Assignments of rights under hire-purchase agreement
13. Operation of law
14. Early completion of agreement
15. Power of hirer to determine hiring
16. Notices to be given to hirer when goods repossessed
16A. Hirer who returns goods not liable to pay cost of repossession, etc.
17. Owner to retain possession of goods repossessed for twenty-one days
17A. Permits for repossession
17B. Offence to appoint non-permit holder
18. Hirers rights and immunities when goods repossessed
19. Power of hirer to regain possession of goods in certain circumstances
20. Power of court to vary existing judgments or orders when goods are
repossessed

Hire-Purchase 5

PART V

GUARANTORS

Section

20A. Owner may require guarantors
21. Provisions as to guarantors
22. Guarantor not to be bound in certain cases

23. Rights of guarantor against owner
24. Rights of guarantor against hirer
25. Guarantor not to seize

PART VI

INSURANCE

26. Insurance of goods comprised in hire-purchase agreements
27. Powers of court in relation to insurance contracts associated with
hire-purchase agreements

28. Contents of contracts of insurance
29. Application of Part VI

PART VII

GENERAL

30. Limitation on terms charges
30A. Booking fee
31. Minimum deposits
32. Certain payments, etc., not to be treated as deposits for the purposes of this
Part

33. Power of court to reopen certain hire-purchase transactions
34. Avoidance of certain provisions
35. Provisions relating to securities collateral to hire-purchase agreements
36. False statement by dealers, etc., in proposals
36A. Prohibition against collection of payment other than those in the Second
Schedule


Section

36B. Prohibition against collection of payment by person other than owners,
dealers, agents, etc.

36C. Issue of receipt in respect of payments
36D. Owner to inform hirer where dealer, etc., has ceased to be authorized to
collect payment

37. Hirer may be required to state where goods are
38. Fraudulent sale or disposal of goods by hirer
39. Certain alterations, etc., of hire-purchase agreements to be of no effect
40. Second-hand goods

41. Power of court to extend time
42. Power of court to order delivery of goods unlawfully detained
43. Service of notices
43A. Substituted service
44. Proof of service
45. Size, type, etc., required in certain documents
46. Penalty
47. Liability of responsible officers of company
48. Principal criminally liable for acts of servant or agent

PART VIII

POWERS OF ENFORCEMENT

49. Declaration of office
50. Power to enter premises and inspect and seize goods and documents
50A. Access to computerized data
50B. List of things seized
51. Obstruction of officers
51A. Warrant admissible notwithstanding defects, etc.
51B. Powers of investigation
51C. Power of arrest
51D. Power to require attendance of person acquainted with case
51E. Examination of person acquainted with case
Hire-Purchase 7

Section

52. Supply of information
53. Admissibility of statement in evidence
54. Disclosure of information
55. Prosecution
55A. Forfeiture of goods, etc., seized
55B. No costs or damages arising from seizure to be recoverable
55C. Cost of holding property, etc., seized
56. Compounding
56A. Protection of Controller, Deputy Controllers, Assistant Controllers, etc.
56B. Protection of informers

PART IX

REGULATIONS, ETC.

57. Regulations
57A. Power to amend Schedules
58. Operation of certain laws
FIRST SCHEDULE
SECOND SCHEDULE
THIRD SCHEDULE
FOURTH SCHEDULE
FIFTH SCHEDULE
SIXTH SCHEDULE
SEVENTH SCHEDULE

9

LAWS OF MALAYSIA

Act 212


An Act to regulate the form and contents of hire-purchase agreements,
the rights and duties of parties to such agreements and to make
provisions for other matters connected therewith and incidental thereto.

[11 April 1968, P.U. (B) 150/1968]

PART I

PRELIMINARY

Short title and application

1. (1) This Act may be cited as the Hire-Purchase Act 1967.

(2) This Act shall apply throughout Malaysia and in respect only
of hire-purchase agreements relating to the goods specified in the
First Schedule.

(3) (Deleted by Act A1234).

(4) This Act shall apply only to hire-purchase agreements entered
into after the coming into operation of the Act.

Interpretation

2. (1) In this Act, unless the context otherwise requires

action includes counter-claim and set off;

base lending rate means the minimum interest rate based on
owners cost of funds and other administrative costs;


consumer goods means goods purchased for personal, family or
household purposes;

contract of guarantee means, in relation to any hire-purchase
agreement, a contract made at the request, expressed or implied, of
the hirer to guarantee the performance of the hirers obligations under
the hire-purchase agreement, but does not include the dealer or a
person engaged at the time of giving of the guarantee in the trade or
business of selling goods of the same nature or description as the
goods comprised in the agreement, and the expression guarantor
shall be construed accordingly;

Controller, Deputy Controller and Assistant Controller mean
respectively, the Controller of Hire-Purchase, a Deputy Controller of
Hire-Purchase and an Assistant Controller of Hire-Purchase
appointed under subsection 3(1);

dealer means a person, not being the hirer or the owner or a
servant of the owner, by whom or on whose behalf negotiations
leading to the making of a hire-purchase agreement with the owner
were carried out or by whom or on whose behalf the transaction
leading to a hire-purchase agreement with the owner was arranged;

goods includes any replacements or renewals by the hirer of any
part or parts thereof and any accessories added or additions made
thereto by the hirer during the period of the hiring;

hire-purchase agreement includes a letting of goods with an
option to purchase and an agreement for the purchase of goods by
instalments (whether the agreement describes the instalments as rent
or hire or otherwise), but does not include any agreement

(a) whereby the property in the goods comprised therein
passes at the time of the agreement or upon or at any
time before delivery of the goods; or

(b) under which the person by whom the goods are being
hired or purchased is a person who is engaged in the
trade or business of selling goods of the same nature or
description as the goods comprised in the agreement;
Hire-Purchase 11

hire-purchase price means the total sum payable by the hirer
under a hire-purchase agreement in order to complete the purchase of
goods to which the agreement relates, exclusive of any sum payable
as a penalty or as compensation or damages for a breach of the
agreement;

hirer means the person who takes or has taken goods from an
owner under a hire-purchase agreement and includes a person to
whom the hirers rights or liabilities under the agreement have passed
by assignment or by operation of law;

Minister means, unless otherwise stated, the Minister for the time
being charged with the responsibility for consumer affairs;

owner means a person who lets or has let goods to a hirer under a
hire-purchase agreement and includes a person to whom the owners
rights or liabilities under the agreement have passed by assignment or
by operation of law;

prescribed means prescribed by the Minister under this Act;

statutory rebate

(a) in relation to terms charges

(i) means the amount derived by multiplying the
terms charges by the sum of all the whole
numbers from one to the number which is the
number of complete months in the period of the
agreement still to go (both inclusive) and by
dividing the product so obtained by the sum of
all the whole numbers from one to the number
which is the total number of complete months in
the period of the agreement (both inclusive); or

(ii) where it is agreed in a hire-purchase agreement
that the terms charges have been calculated on a
simple interest basis at a rate specified in the
agreement on the amount outstanding from
month to month-means the amount of interest

attributable to the period of complete months
still to go under the agreement;

(b) in relation to insurance, means the sum of

(i) the amount of premium paid in respect of any
annual period not yet commenced; and

(ii) the amount of premium paid in respect of the
current annual period less the amount of
premium which would have been paid at the
insurers short period rates for the period which
the policy has been in force provided no claim
has arisen during this period;

third-party insurance means any insurance in relation to liability
in respect of death or bodily injury caused by or arising out of the use
of a motor vehicle being insurance required by law;

vehicle registration fees means any amount to be provided under
a hire-purchase agreement by the owner for payment by or on behalf
of the hirer under this Act in connection with the registration and use
of a motor vehicle, including any amount payable for third-party
insurance.

(2) Where an owner has agreed that any part of the hire-purchase
price may be discharged otherwise than by the payment of money,
any such discharge shall, for the purposes of this Act, be deemed to
be a payment of that part of the hire-purchase price.

Appointment of officers

3. (1) The Minister may appoint a Controller of Hire-Purchase and
such number of Deputy Controllers of Hire-Purchase, Assistant
Controllers of Hire-Purchase and other officers as may be necessary
for the purposes of this Act.

(2) The Controller shall, subject to the general direction and
control of the Minister, perform the duties and exercise the right sand
Hire-Purchase 13

powers imposed and conferred upon him by this Act and any
regulations made thereunder.

(3) The Deputy Controller, Assistant Controllers and other
officers appointed under subsection (1) shall be under the control and
direction of the Controller.

(4) A Deputy Controller may exercise all the powers conferred
and duties imposed upon the Controller under this Act except any
powers or duties expressed to be exercisable by the Controller
personally.

(5) The Controller or Deputy Controller may perform such duties
and exercise such powers and functions conferred upon an Assistant
Controller by this Act or any regulations made thereunder.

(6) All officers appointed under this section shall be deemed to be
public servants within the meaning of the Penal Code [Act 574].

PART II

FORMATION AND CONTENTS OF HIRE-PURCHASE
AGREEMENTS

Requirements relating to hire-purchase agreements

4. (1) Before any hire-purchase agreement is entered into in
respect of any goods

(a) in a case where negotiations leading to the making of the
hire-purchase agreement is carried out by any person
who would be the owner under the hire-purchase
agreement to be entered into, or by any person, other
than the dealer, acting on his behalf, such person shall
serve on the intending hirer a written statement duly
completed and signed by him in accordance with the
form set out in Part I of the Second Schedule;


(b) in a case where negotiations leading to the making of the
hire-purchase agreement is carried out by a dealer, such
dealer shall

(i) serve on the intending hirer a written statement
duly completed and signed by him in accordance
with the form set out in Part I of the Second
Schedule; and

(ii) at any time after the service of the written
statement referred to in subparagraph (i) but
before the hire-purchase agreement is entered
into, serve on the intending hirer a written
statement duly completed and signed both by
him and the prospective owner in accordance
with the form set out in Part II of the Second
Schedule.

(2) The written statements referred to in subsection (1) shall be
served by delivering it in person to the intending hirer or his agent
who shall acknowledge receipt of the same by signing under his hand
at the appropriate column contained therein.

(3) Any person who has been served with the written statement or
statements referred to in subsection (1) shall not be under any
obligation to enter into any hire-purchase agreement and no payment
mentor or other consideration shall be required from him in respect of
the preparation or service of such statement or statements, as the case
may be.

(4) A hire-purchase agreement entered into in contravention of
subsection (1) shall be void.

(5) An owner who enters into a hire-purchase agreement and a
dealer who carries out negotiations leading to the making of a hire-
purchase agreement that does not comply with subsection (1),
irrespective of whether such hire-purchase agreement is void or
otherwise, shall be guilty of an offence under this Act.

Hire-Purchase 15

(6) Where a person upon whom a written statement or statements
referred to in subsection (1) have been served is subject to any
obligation to enter into any hire-purchase agreement to which such
written statement or statements relate or is required to make any
payment or other consideration in respect of the preparation or
service of such statement or statements, as the case may be, any
person who imposed such obligation or requirement shall be guilty of
an offence under this Act.

(7) The Minister may, by order, amend, vary, delete from, or add
to, Part I and Part II of the Second Schedule.

Hire-purchase agreement to be in writing

4A. (1) A hire-purchase agreement in respect of any goods specified
in the First Schedule shall be in writing.

(1A) A hire-purchase agreement shall be in the national language
or English language.

(2) A hire-purchase agreement that does not comply with
subsections (1) and (1A) and shall be void.

(3) An owner who enters into a hire-purchase agreement that does
not comply with subsections (1) and (1A) shall, notwithstanding that
the hire-purchase agreement is void, be guilty of an offence under
this Act.

Hire-purchase agreement to be signed, etc.

4B. (1) Every hire-purchase agreement shall be signed by or on
behalf of all parties to the agreement.

(2) No owner, dealer, agent or person acting on behalf of the
owner shall require or cause any intending hirer or his agent to sign a
hire-purchase agreement or any other form or document relating to a
hire-purchase agreement unless such hire-purchase agreement, form
or document has been duly completed.


(2A) No owner shall deliver or cause to be delivered to any dealer,
agent or person acting on behalf of the owner a hire-purchase
agreement or any other form or document relating to a hire-purchase
agreement which has not been duly completed.

(3) A hire-purchase agreement that contravenes subsections (1),
(2) and (2A) shall be void.

(4) An owner, dealer, agent or person acting on behalf of the
owner who

(a) enters into a hire-purchase agreement in contravention
of subsection (1);

(b) requires or causes an intending hirer or his agent to sign
a hire-purchase agreement in contravention of
subsection (2); or

(c) delivers or causes to be delivered a hire-purchase
agreement in contravention of subsection (2A),

shall, notwithstanding that the hire-purchase agreement is void, be
guilty of an offence under this Act.

Contents of hire-purchase agreement

4C. (1) Every hire-purchase agreement

(a) shall

(i) specify a date on which the hiring shall be
deemed to have commenced;

(ii) specify the number of instalments to be paid
under the agreement by the hirer;

(iii) specify the amounts of each of these instalments
and the person to whom and the place at which
Hire-Purchase 17

the payments of these instalments are to be
made;

(iv) specify the time for the payment of each of those
instalments;

(v) contain a description of the goods sufficient to
identify them;

(vi) specify the address where the goods under the
hire-purchase agreement are;

(b) where any part of the consideration is or is to be
provided otherwise than in cash, shall contain a
description of that part of the consideration;

(c) shall set out in a tabular form

(i) the price at which at the time of signing the
agreement the hirer might have purchased the
goods for cash (in this Act referred to and in the
agreement to be described as cash price);

(ii) the amount paid or provided by way of deposit
(in this Act referred to and in the agreement to be
described as deposit) showing separately the
amount paid in cash and the amount provided by
any consideration other than cash;

(iii) any amount included in the total amount payable
to cover the expenses of delivering the goods or
any of them or to the order of the hirer (in this
Act referred to and in the agreement to be
described as freight);

(iv) any amount included in the total amount payable
to cover vehicle registration fees in respect of the
goods (in the agreement to be described as
vehicle registration fees);


(v) any amount included in the total amount,
payable for insurance in respect of the goods or
any of them;

(vi) the total of the amounts referred to in
subparagraphs (i), (iii), (iv) and (v) less the
deposit;

(vii) the amount of any other charges included in the
total amount payable (in this Act referred to and
in the agreement to be described as terms
charges);

(viii) the annual percentage rate for terms charges
which shall be calculated in accordance with the
formula set out in the Seventh Schedule;

(ix) the total of the amounts referred to in
subparagraphs (vi) and (vii) of this paragraph (in
this Act referred to as the balance originally
payable under the agreement); and

(x) the total amount payable;

(d) shall not contain any particulars which differ in any
material way from the particulars contained in the
written statement or statements served on the hirer
pursuant to paragraph 4(1)(a) or 4(1)(b), as the case may
be.

(1A) Paragraph (1)(d) shall not apply where in the hire-purchase
agreement the terms charges are at a variable rate.

(1B) Where in a hire-purchase agreement the terms charges are at a
variable rate, the following items shall be specified in the hire-
purchase agreement based on the terms charges calculated in
accordance with the base lending rate applicable at the time the hire-
purchase agreement is entered into:

Hire-Purchase 19

(a) the number of instalments to be paid under the
agreement by the hirer;

(b) the amount of each of these instalments;

(c) the annual percentage rate of terms charges which
shall be calculated in accordance with the formula
set out in the Seventh Schedule; and

(d) the balance originally payable under the agreement.

(2) A hire-purchase agreement that contravenes subsection (1)
shall be void.

(3) An owner who enters into a hire-purchase agreement in
contravention of subsection (1) shall, notwithstanding that the
hire-purchase agreement is void, be guilty of an offence under
this Act.

Separate agreement for every item of goods

4D. (1) There shall be a separate hire-purchase agreement in
respect of every item of goods purchased under this Act.

(2) A hire-purchase agreement that does not comply with
subsection (1) shall be void.

(3) An owner who enters into a hire-purchase agreement that
does not comply with subsection (1) shall, notwithstanding that
the hire-purchase agreement is void, be guilty of an offence under
this Act.

(4) For the purposes of this section, any goods which are
essentially similar or complementary to each other and sold as a set
shall be regarded as an item.


Motor vehicle registration certificate

4E. (1) Where the goods comprised in a hire-purchase agreement is
a motor vehicle, a hirer may make a request in writing to an owner to
keep the registration certificate of the motor vehicle.

(2) The owner shall, upon the request of the hirer under
subsection (1), furnish the registration certificate of the motor
vehicle to the hirer.
(3) For the purpose of subsection (1), registration certificate
includes registration book.

(4) An owner who contravenes subsection (1) shall be guilty of

Altered or modified motor vehicle

4F. (1) A hire-purchase agreement shall not be entered into where
the goods comprised in the hire-purchase agreement is a motor
vehicle which has been altered or modified in its construction and
structure.

(2) A hire-purchase agreement that contravenes subsection (1)
shall be void.

Declaration on second-hand motor vehicle

4G. (1) Where goods to be comprised in a hire-purchase agreement
is a second-hand motor vehicle, the person who intends to enter into
the hire-purchase agreement in respect of such second-hand motor
vehicle shall declare in writing any defects of the second-hand motor
vehicle in accordance with the inspection report by the relevant
authority determined by the Controller.

(2) For the purpose of subsection (1), defect includes defect to
the mechanical or operational system, construction, structure and
build-up and fitting of the motor vehicle.

Hire-Purchase 21

(3) Any person who contravenes this section shall be guilty of

Copy of documents to be served on hirer

5. (1) Within twenty-one days after the making of a hire-
purchase agreement, the owner shall serve or cause to be served
on the hirer and the guarantors a copy of the agreement each.

(1A) (Deleted by Act A1384).

(2) At any time before the final payment has been made under a
hire-purchase agreement the owner shall, within twenty-one days
after he has received a request in writing from the hirer, supply to the
hirer a copy of any memorandum or note of the agreement

(a) on payment by the hirer of the prescribed fee; or

(b) where no fee is prescribed, one free copy, and there
after a fee as may be prescribed shall be charged for
the supply of a second or subsequent copy thereof.

(3) Where any part of the total amount payable consists of an
amount paid or to be paid under a policy of insurance in respect
of the goods, the owner shall serve or cause to be served on the
hirer forthwith a copy of the insurance payment receipt and,
within seven days of receipt of the policy, a copy of the policy or
statement in writing setting out the terms, conditions and
exclusions of the policy that affect the rights of the hirer.

(4) Any person who contravenes this section shall be guilty of

6. (Deleted by Act A813).


PART IIA

OPTION TO HIRER

Option to hirer

6A. (1) An owner shall provide an option to the hirer for the terms
charges under a hire-purchase agreement to be at a fixed rate or at a
variable rate.

(2) A variable rate of terms charges shall be quoted at a margin
percentage above the base lending rate.

Right of owner to revise the base lending rate

6B. (1) Where in the hire-purchase agreement the terms charges are
at a variable rate, the owner may revise the base lending rate at any
time during the continuance of the agreement.

(2) Where the owner has revised the base lending rate, the rate
and total amount of terms charges and the amount of each instalment
or the number of instalments under the hire-purchase agreement shall
be revised accordingly.

(3) Where the owner has revised the base lending rate, he shall
serve a notice to hirer specifying the following:

(a) the revised base lending rate;

(b) the revised rate of terms charges;

(c) the revised total amount of terms charges; and

(d) the revised amount of instalments or the revised number
of instalments, as the case may be.

Hire-Purchase 23

Right of hirer where the base lending rate is revised

6C. Where the owner has revised the base lending rate, the hirer
may opt whether

(a) to retain the existing number of instalments and vary the
amount of instalments; or

(b) to retain the existing amount of instalments and vary the
number of instalments.

PART III

PROTECTION OF HIRERS AND GUARANTORS

Warranties and Conditions

Conditions and warranties to be implied in every hire-purchase
agreement

7. (1) In every hire-purchase agreement there shall be

(a) an implied warranty that the hirer shall have and enjoy
quiet possession of the goods;

(b) an implied condition on the part of the owner that he
shall have a right to sell the goods at the time when the
property is to pass;

(c) an implied warranty that the goods shall be free from
any charge or encumbrance in favour of any third party
at the time when the property is to pass.

(2) In every hire-purchase agreement there shall be an implied
condition that the goods shall be of merchantable quality, but such a
condition shall not be implied


(a) where the hirer has examined the goods or a sample
thereof, as regards defects which the examination ought
to have revealed; or

(b) if the goods are second-hand goods and the agreement
contains a statement to the effect that

(i) the goods are second-hand; and

(ii) all conditions and warranties as to quality are
expressly negatived, and the owner proves that
the hirer has acknowledged in writing that the
statement was brought to his notice.

(3) Where the hirer expressly or by implication makes known to
the owner or the dealer or to any servant or agent of the owner or the
dealer the particular purpose for which the goods are required, there
shall be implied in the hire-purchase agreement a condition that the
goods shall be reasonably fit for that purpose, but such a condition
shall not be implied if the goods are second hand good sand the
agreement contains a statement to the effect

(a) that the goods are second-hand; and

(b) that all conditions and warranties of fitness and
suitability are expressly negatived, and the owner proves
that the hirer has acknowledged in writing that the
statement was brought to his notice.

(4) Nothing in this section shall prejudice the operation of any
other written law or rule of law whereby any condition or warranty is
to be implied in any hire-purchase agreement.

Liability of the owner and person acting on his behalf for
misrepresentation

8. (1) Every representation, warranty or statement made to the
hirer or prospective hirer, whether orally or in writing, by the
owner or the dealer or any person acting on behalf of the owner
Hire-Purchase 25

or the dealer in connection with or in the course of negotiations
leading to the entering into of a hire-purchase agreement shall
confer on the hirer

(a) as against the ownerthe same right to rescind the
agreement as the hirer would have had if the
representation, warranty or statement had been by an
agent of the owner; and

(b) as against the person who made the representation,
warranty or statement, and any person on whose
behalf the person who made the representation,
warranty or statement was acting in making itthe
same right of action in damages as the hirer would
have had against them or either of them if the hirer
had purchased the goods from the person who made
the representation, warranty or statement or the
person on whose behalf the person who made the
representation, warranty or statement was acting (as
the case may be) as a result of the negotiations.

(2) Every covenant, condition or term in any hire-purchase
agreement or other document purporting to exclude, limit or
modify the operation of subsection (1) or to preclude any right of
action or any defence based on or arising out of any such
representation, warranty or statement shall be void.

(3) Without prejudice to any other rights or remedies to which
an owner may be entitled, an owner shall be entitled to be
indemnified by the person who made the representation, warranty
or statement, and by any person on whose behalf the
representation, warranty or statement was made against any
damage suffered by the owner as a result of any such
representation, warranty or statement.


PART IV

HIRERS

Statutory rights of hirers

Duty of owners and sellers to supply documents and information

9. (1) At any time before the final payment has been made under a
hire-purchase agreement the owner shall, within fourteen days after
he has received a request in writing from the hirer, supply to the hirer
a statement signed by the said person or his agent showing

(a) the amount paid to the owner by or on behalf of the
hirer;

(b) the amount which has become due under the agreement
but remains unpaid;

(c) the amount which is to become payable under the
agreement; and

(d) the amount derived from interest on overdue
instalments:

Provided that an owner need not comply with such a request if he
has sent the hirer a statement under this section within a period of
three months immediately preceding the receipt of the request.

(2) In the event of a failure without reasonable cause to comply
with subsection (1) then, while the default continues

(a) the owner shall not be entitled to enforce

(i) the agreement against the hirer;

(ii) any right to recover the goods from the hirer;

(iii) any contract of guarantee relating to the
agreement;
Hire-Purchase 27

(b) any security given by the hirer in respect of money
payable under the agreement or given by a guarantor in
respect of money payable under such a contract of
guarantee as aforesaid shall not be enforceable against
the hirer or the guarantor by any holder thereof.

(3) If the default aforesaid continues for a period of one month, the
owner shall be guilty of an offence and shall, on conviction, be liable
to a fine not exceeding one thousand ringgit.

Appropriation of payments made in hire-purchase agreements

10. A hirer who is liable to make payments in respect of two or more
hire-purchase agreements to the same owner shall, notwithstanding
any agreement to the contrary, be entitled, on making any payment in
respect of the agreements which is not sufficient to discharge the total
amount then due under all the agreements, to require the owner to
appropriate the sum so paid by him in or towards the satisfaction of
the sum due under anyone of the agreements, or in or towards the
satisfaction of the sums due under any two or more of the agreements
in such proportions as he thinks fit, and, if he fails to make any such
appropriation as aforesaid, the payment shall by virtue of this section
be appropriated towards the satisfaction of the sums due under the
respective hire-purchase agreements in the order in which the
agreements were entered into.

Power of court to allow goods to be removed

11. Where, by virtue of a hire-purchase agreement, it is the duty of a
hirer to keep the goods comprised in the agreement in his possession
or control at a particular place or not to remove the goods from a
particular place, a court of a Magistrate may, on the application of the
hirer, make an order approving the removal of the goods to some
other place, which place shall, for the purposes of the agreement, be
substituted for the place mentioned in the agreement.


Assignments of rights under hire-purchase agreement

12. (1) The right, title and interest of a hirer under a hire-purchase
agreement may be assigned with the consent of the owner, or if his
consent is unreasonably withheld, without his consent.

(2) Except as otherwise provided in this section, no payment or
other consideration shall be required by an owner for his consent to
such an assignment as is mentioned in subsection (1) and where an
owner requires any such payment or other consideration for his
consent, that consent shall be deemed to be unreasonably withheld.

(3) Where, at the request of a hirer under a hire-purchase
agreement, the owner fails or refuses to give his consent to an
assignment by the hirer or his right, title and interest under the
agreement, the hirer may apply to the High Court for an order
declaring that the consent of the owner to that assignment has
unreasonably been withheld, and where such an order is made that
consent shall be deemed to be unreasonably withheld.

(4) As a condition of granting consent to an assignment of the
right, title and interest of the hirer under a hire-purchase agreement,
the owner may stipulate that all defaults under the agreement shall be
made good and may require the hirer and assignee

(a) to execute and deliver to the owner an assignment in a
form approved by the owner whereby without
prejudicing or affecting the continuing personal liability
of the hirer in those respects the assignee agrees with the
owner to be personally liable to pay the instalments
remaining unpaid and to perform and observe all other
stipulations and conditions of the hire-purchase
agreement during the residue of the term thereof and
whereby the assignee indemnifies the hirer in respect of
those liabilities; and

(b) to pay the reasonable costs (if any) incurred by the
owner in stamping or registering the assignment
agreement or counterparts.

Hire-Purchase 29

(5) The refusal on the part of the owner to give consent to an
assignment as is mentioned in subsection (1) on the ground that he
requires other or additional guarantors to guarantee the assignees
obligation shall be deemed unreasonable

(a) where the same guarantors who have guaranteed the
hirers obligation under the hire-purchase agreement
have agreed to guarantee the assignees obligation under
that agreement; or

(b) where the assignee has furnished the same number of
guarantors as was furnished by the hirer to guarantee his
obligation under the hire-purchase agreement as
guarantors for his obligation under the agreement.

Operation of law

13. The right, title and interest of a hirer under a hire-purchase
agreement shall be capable of passing by operation of law to the
personal representative of the hirer and if the hirer is a company the
liquidator may exercise the same right under the agreement as the
company but nothing in this section shall relieve any personal
representative or liquidator from compliance with the provisions of
the agreement.

Early completion of agreement

14. (1) The hirer under a hire-purchase agreement may, if he has
given notice in writing to the owner of his intention to do so, on or
before the day specified for that purpose in the notice, complete the
purchase of the goods by paying or tendering to the owner the net
balance due under the agreement.

(2) For the purposes of subsection (1)

(a) where in the hire-purchase agreement the terms charges
are at a fixed rate, the net balance due is the balance
originally payable under the agreement less

(i) any amounts (other than the deposit) paid or
provided by or on behalf of the hirer under the
agreement;
(ii) the statutory rebate for terms charges; and

(iii) if the hirer requires any contract of insurance to
be cancelled, the statutory rebate for insurance;
or

(b) where in the hire-purchase agreement the terms charges
are at a variable rate, the net balance due is the
outstanding amount financed and terms charges accrued
and calculated up to the next due date of payment less, if
the hirer requires any contract of insurance to be
cancelled, the statutory rebate for insurance.

(c) if the hirer requires any contract of insurance to be
cancelled, the statutory rebate for insurance.

(3) The rights conferred on the hirer by this section may be
exercised by him

(a) at any time during the continuance of the agreement; or

(b) where the owner has taken possession of the goods,
upon payment to the owner (within twenty-one days
after the owner has served a notice in the form set out in
the Fifth Schedule) in addition to the net balance due
together with the reasonable costs including costs (if
any) of storage, repair or maintenance of the goods
incurred by the owner incidental to his taking possession
of the goods; or

(c) where the hirer has returned the goods to the owner
within twenty-one days after the service on him of the
notice in the form set out in the Fourth Schedule, upon
payment to the owner (within twenty-one days after the
owner has served a notice in the form set out in the Fifth
Schedule) the net balance due under the Act.

Hire-Purchase 31

Power of hirer to determine hiring

15. (1) The hirer of any goods comprised in a hire-purchase
agreement may terminate the agreement by returning the goods to the
owner during ordinary business hours at the place at which the owner
ordinarily carries on business or to the place specified for that
purpose in the agreement.

(2) Where the nature of the goods comprised in a hire-purchase
agreement or the facilities available at the place or places of business
of the owner or the place specified in the agreement is or are such
that it would be impracticable to return the goods to such a place, the
hirer may terminate the agreement by returning the goods to any
place agreed to by the parties to the agreement.

(3) Where the parties fail to agree, the hirer who proposes to
return goods to the owner under this section may, subject to
subsection(4), apply to a court of a Magistrate for an order fixing the
place to which the goods may be returned, and the court

(a) shall fix the place that is in its opinion reasonable
having regard to all the circumstances surrounding the
transaction;

(b) may order that, subject to the goods being returned to
the owner, the agreement shall be determined on such
date as is specified in the order, not being the date
before the hirer required the owner to nominate a
reasonable place for the return of the goods.

(4) Notice of an application under subsection (3) shall be given to
the owner by the hirer.

(5) Where a hire-purchase agreement is determined pursuant to
this section

(a) the hirer may require the owner to sell the goods to any
person introduced by the hirer who is prepared to buy
the goods for cash at a price agreeable to the owner;


(b) where the value of the goods at the time when it is
returned to the owner is more than the balance
outstanding under the hire-purchase agreement, the hirer
is entitled to the difference which is recoverable as a
debt due;

(c) where the value of the goods at the time when it is
returned to the owner is less than the balance
outstanding under the hire-purchase agreement, the
owner is entitled to the difference which is recoverable
as a debt due.

(6) For the purposes of this section

(a) balance outstanding under the hire-purchase
agreement means

(i) where in the hire-purchase agreement the terms
charges are at a fixed rate, the total sum payable
by the hirer to complete the purchase of goods to
which the agreement relates and the amount
derived from interest on overdue instalments
which has yet to be paid less

(a) the amount paid by or on behalf of the
hirer excluding deposit;

(b) statutory rebate for terms charges; and

(c) statutory rebate for insurance, if any; or

(ii) where in the hire-purchase agreement the terms
charges are at a variable rate, the outstanding
amount financed and terms charges accrued and
calculated up to the next due date of payment
less statutory rebate for insurance, if any;

(b) value of the goods at the time when it is returned to the
owner means

Hire-Purchase 33

(i) the best price that could reasonably be obtained
by the owner; or

(ii) if the hirer had introduced a person who had
bought the goods for cash, the amount paid by
that person.

Repossession

Notices to be given to hirer when goods repossessed

16. (1) Subject to this section, an owner shall not exercise any
power of taking possession of goods comprised in a hire-purchase
agreement arising out of any breach of the agreement relating to the
payment of instalments unless the payment of instalments amounts
to not more than seventy-five percent of the total cash price of the
goods comprised in the hire-purchase agreement and there had been
two successive defaults of payment by the hirer and he has served on
the hirer a notice, in writing, in the form set out in the Fourth
Schedule and the period fixed by the notice has expired, which shall
not be less than twenty-one days after the service of the notice.

(1A) Notwithstanding subsection (1), if the payment of instalments
made amounts to more than seventy-five percent of the total cash
price of the goods comprised in a hire-purchase agreement and there
had been two successive defaults of payment by the hirer, an owner
shall not exercise any power of taking possession of the goods
comprised in the hire-purchase agreement arising out of any breach
of the agreement relating to the payment of instalments unless he has
obtained an order of the court to that effect.

(1B) Where an owner has obtained an order of the court under
subsection (1A) and he has served on the hirer a notice, in writing, in
the form set out in the Fourth Schedule and the period fixed by the
notice has expired, which shall not be less than twenty-one days after
the service of the notice, the owner may exercise the power of taking
possession of goods referred to in subsection (1A).


(1C) Where a hirer is deceased, an owner shall not exercise any
power of taking possession of goods comprised in a hire-purchase
agreement arising out of any breach of the agreement relating to the
payment of instalments unless there has been four successive defaults
of payments.

(2) An owner need not comply with subsection (1) if there are
reasonable grounds for believing that the goods comprised in the
hire-purchase agreement will be removed or concealed by the hirer
contrary to the provisions of the agreement, but the onus of proving
the existence of those grounds lies upon the owner.

(3) Within twenty-one days after the owner has taken possession
of goods that were comprised in a hire-purchase agreement he shall
serve on the hirer and every guarantor of the hirer a notice, in writing,
in the form set out in the Fifth Schedule.

(4) Where the owner takes possession of goods that were
comprised in a hire-purchase agreement he shall deliver or cause to
be delivered to the hirer personally a document acknowledging
receipt of the goods or, if the hirer is not present at that time, send to
the hirer immediately after taking possession of the goods a
document acknowledging receipt of the goods.

(5) The document acknowledging receipt of the goods, required
under subsection (4) shall set out a short description of the goods and
the date on which, the time at which and the place where the owner
took possession of the goods.

(6) If the notice required by subsection (3) is not served, the
rights of the owner under the hire-purchase agreement thereupon
cease and determine; but if the hirer exercises his rights under this
Act to recover the goods so taken possession of, the agreement has
the same force and effect in relation to the rights and liabilities of the
owner and the hirer as it would have had if the notice had been duly
given.

(7) Before and when exercising the power of taking possession
the owner or his servant or agent shall, in addition to the provisions
Hire-Purchase 35

of this Act, comply with any regulations relating to the manner of
taking possession as may be prescribed.

Hirer who returns goods not liable to pay cost of repossession,
etc.

16A. A hirer who returns goods comprised in a hire-purchase
agreement within twenty-one days after the service on him of the
notice in the form set out in the Fourth Schedule shall not be liable to
pay

(a) the cost of repossession;

(b) the cost incidental to taking possession; and

(c) the cost of storage.

Owner to retain possession of goods repossessed for twenty-one
days

17. (1) Where an owner has taken possession of any goods under
section 16 he shall not, without the written consent of the hirer, sell
or dispose of the goods or part with possession thereof until after the
expiration of twenty-one days after the date of the service on the hirer
of the notice referred to in subsection 16(3) or, if notice under
paragraph 18(1)(a) has been given, until the time for payment or
tender pursuant to that notice has expired (whichever is the later).

(2) An owner who sells or disposes of any goods or parts with
possession of any goods in contravention of subsection (1) shall be
guilty of an offence under this Act.

Permits for repossession

17A. (1) No person shall undertake repossession of goods
comprised in a hire-purchase agreement without a written permit
issued by the Controller.

(2) Any person who contravenes subsection (1) shall be guilty of

Offence to appoint non-permit holder

17B. (1) An owner shall appoint as his agent to undertake the
repossession of goods comprised in a hire-purchase agreement a
person who is a permit holder under subsection 17A(1).

(2) An owner who contravenes subsection (1) shall be guilty of

Hirers rights and immunities when goods repossessed

18. (1) Where the owner takes possession of any goods under
section 16

(a) the hirer may within twenty-one days after the service
on him of the notice referred to in subsection 16(3) by
giving to the owner a notice in writing signed by the
hirer or his agent

(i) require the owner to re-deliver to or to the order
of the hirer (subject to the compliance by the
hirer with the provisions of section 19) the goods
that have been repossessed; or

(ii) require the owner to sell the goods to any person
introduced by the hirer who is prepared to buy
the goods for cash at a price not less than the
estimated value of the goods set out in the first
mentioned notice;

(b) the hirer may recover from the owner

(i) where in the hire-purchase agreement the terms
charges are at a fixed rate, if the value of the
Hire-Purchase 37

goods at the time of the owner so taking
possession of the goods

(A) is less than the net amount payable but
the total of that value and the amount
paid or provided, whether by cash or
other consideration, by or on behalf of
the hirer under the agreement exceeds the
net amount payable, the difference
between that total and the net
amount payable; or

(B) is equal to or greater than the net amount
payable, the total of that value and the
amount paid or provided, whether by
cash or other consideration, by or on
behalf of the hirer under the agreement,
less the net amount payable; or

(ii) where in the hire-purchase agreement the terms
charges are at a variable rate and the value of the
goods at the time of the owner so taking
possession of the goods is equal to or greater
than the balance outstanding under the hire-
purchase agreement, the difference between the
value of the goods and the balance outstanding
under the hire-purchase agreement.

(2) Where the owner takes possession of any goods comprised in
a hire-purchase agreement, the owner is not entitled to recover

(a) where in the hire-purchase agreement the terms charges
are at a fixed rate, any sum (whether under a judgment
or order or otherwise) exceeding the net amount payable
in respect of the goods obtained by adding

(i) the value of the goods at the time of the owner so
taking possession of the goods; and


(ii) the amount paid or provided, whether by cash or
other consideration, by or on behalf of the hirer
under the agreement; or

(b) where in the hire-purchase agreement the terms charges
are at a variable rate, any sum (whether under a
judgment or order or otherwise) which exceeds the
balance outstanding under the hire-purchase agreement.

(3) For the purposes of this section

(a) the net amount payable is the total amount payable less
the statutory rebates for terms charges and insurance as
at the time of the owner taking possession of the goods;

(aa) the balance outstanding under the hire-purchase
agreement is the outstanding amount financed and terms
charges accrued and calculated up to the time of the
owner so taking possession of the goods less the
statutory rebate or insurance; and

(b) the value of any goods at the time of the owner taking
possession thereof is

(i) the best price that could be reasonably obtained
by the owner; or

(ii) if the hirer has introduced a person who has
bought the goods for cash, the amount paid by
that person,
less

(iii) the reasonable costs incurred by the owner of
and incidental to his taking possession of the
goods;

(iv) any amount properly expended by the owner on
the storage, repair, or maintenance of the goods;
and

Hire-Purchase 39

(v) (whether or not the goods have subsequently
been sold or disposed of by the owner) the
reasonable expenses of selling or otherwise
disposing of the goods.

(4) Where an owner takes possession of any goods comprised in a
hire-purchase agreement and intends to sell them

(a) by public auction, he shall be required to serve or cause
to be served on the hirer a copy of the notice of such
public auction not less than fourteen days from the date
the said auction is to be held; or

(b) otherwise than by public auction, he shall be required to
give the hirer an option to purchase the goods at the
price at which he intended to sell them if that price is
less than the owners estimate of the value of the goods
repossessed as stated in the notice referred to in
subsection 16(3),

and if he fails to comply with such requirement he shall be guilty of

(5) No amount is recoverable by the hirer under this section
except where the owner has failed to serve on the hirer notice as
required by subsection 16(3) unless

(a) the hirer, within twenty-one days after the owner has
served a notice as required by subsection 16(3), gives to
the owner notice in writing

(i) setting out the amount claimed under the
provisions of this section and the amount that is
claimed by the hirer to be the value of the goods
at the time of the owner taking possession
thereof; and

(ii) signed by the hirer or his advocate and solicitor
or agent; and


(b) proceedings for the recovery of the amount so claimed
under the provisions of this section are commenced not
later than three months after the giving by the hirer to
the owner of the notice referred to in paragraph (a).

(6) If, before the proceedings referred to in subsection (5) are
commenced by the hirer, the owner serves an offer in writing on the
hirer to pay any amount in satisfaction of the claim by the hirer under
this section, the owner, in the proceedings, is entitled to pay into
court the amount so offered and, upon so doing, is entitled to the
same rights as he would have had if that amount had been tendered to
the hirer before the proceedings were commenced:

Provided that no such right shall be available to the owner in any
proceedings by the hirer to recover the amount so offered or any
lesser amount if the hirer, before commencing the proceedings,
notifies the owner in writing of the acceptance by the hirer of the
amount so offered.

Power of hirer to regain possession of goods in certain
circumstances

19. (1) If, within twenty-one days after giving notice to the owner
pursuant to paragraph 18(1)(a), the hirer

(a) pays or tenders to the owner any amount due by the
hirer under the hire-purchase agreement in respect of the
period of hiring up to the date of the payment or tender
(and for the purposes of this paragraph the hiring shall
be deemed to have continued up to that date);

(b) remedies any breach of the agreement or (where he is
unable to remedy the breach by reason of the fact that
the owner has taken possession of the goods) pays or
tenders to the owner the costs and expenses reasonably
and actually incurred by the owner in doing any act,
matter, or thing necessary to remedy the breach; and

Hire-Purchase 41

(c) pays or tenders to the owner the reasonable costs and
expenses of the owner of and incidental to his taking
possession of the goods and of his returning them to the
hirer,

the owner shall forthwith return the goods to the hirer and the goods
shall be received and held by the hirer pursuant to the terms of the
hire-purchase agreement as if the breach had not occurred and the
owner had not taken possession thereof.

(2) Where goods are ret urned to t he hi rer pursuant to
subsection (1) and any breach of the hire-purchase agreement has
not been remedied, the owner has no right arising out of the breach to
take possession of the goods unless

(a) by notice in writing given to the hirer at the time of the
return of the goods he specifies the breach and requires
it to be remedied; and

(b) the hirer fails within twenty-one days or within the time
specified in the notice (whichever is the longer) after
receiving the notice to remedy the breach.

Power of court to vary existing judgments or orders when goods
are repossessed

20. In any legal proceedings in relation to a hire-purchase
agreement, after the owner has taken possession of the goods, the
court before which the proceedings are brought may vary or
discharge any judgment or order of any court against the hirer for the
recovery of money so far as is necessary to give effect to section 18.


PART V

GUARANTORS

Owner may require guarantors

20A. An owner may require a hirer to furnish a guarantor or such
number of guarantors acceptable to the owner to guarantee the
performance of the hirers obligations under the hire-purchase
agreement.

Provisions as to guarantors

21. (1) Save as provided in this Act a guarantor is not, by reason of
the operation of this Act, discharged from liability under his
guarantee.

(2) The liability of a guarantor continues notwithstanding that the
owner has, pursuant to the provisions of a hire-purchase agreement,
taken possession of the goods comprised therein (and whether or not
the goods have been re-delivered to the hirer pursuant to this Act);
but nothing in this subsection operates to preserve the liability of a
guarantor where the owner and the hirer have entered into a new
agreement in respect of the goods comprised in any hire-purchase
agreement.

(3) No guarantor shall be liable to any further or other extent than
the hirer, the performance of whose obligations he has guaranteed;
but, nothing in this Act affects any agreement by the guarantor
binding him to the performance of any obligation that is not one of
the obligations imposed on the hirer under the hire-purchase
agreement in respect of which the guarantee is given.

(4) Where goods have been delivered to the hirer pursuant to a
hire-purchase agreement and the owner subsequently takes
possession thereof, any guarantor who has paid any moneys to the
owner in accordance with his guarantee has the like right in like
manner to recover those moneys as he would have had if he had been
the hirer of the goods, but for the purpose of calculating the amount
Hire-Purchase 43

received by the owner all moneys paid and the value of any other
consideration provided by or on behalf of the hirer shall be deemed to
have been paid or provided by the guarantor:

Provided that no moneys shall be recovered by the guarantor in
excess of the moneys actually paid by him.

Guarantor not to be bound in certain cases

22. Where a guarantor of the performance of the obligations of the
hirer under a hire-purchase agreement enters into an agreement
binding the guarantor

(a) to pay to the owner an aggregate sum which is larger
than the balance originally payable under the agreement;
or

(b) to perform an obligation in respect of goods other than
the goods comprised in the hire-purchase agreement,

the agreement so entered shall be void unless the agreement is
executed by the guarantor in the presence of a Magistrate, a
Commissioner for Oaths or a Notary Public.

Rights of guarantor against owner

23. (1) The guarantor under this Part may at any time secure his
discharge by paying the amount due to the owner from the hirer.

(2) Upon such payment being made he is entitled to

(a) sue the hirer in the name of the owner for any breach of
the hirers obligations under the hire-purchase
agreement subject to providing the owner with a suitable
indemnity for costs or sue in his own name if he takes a
legal assignment of the hire-purchase debt;


(b) insist upon the transfer to himself of all securities taken
by the owner from the hirer to secure performance of the
hirers obligations.

(3) The guarantor is entitled in the event of any claim being made
against him by the owner on the guarantee to avail himself of any set-
off or counter-claim which the hirer may possess against the owner.

Rights of guarantor against hirer

24. (1) The guarantor is entitled to be indemnified by the hirer
against any claim made by the owner on the guarantee.

(2) The guarantor is entitled to compel the hirer to pay the
instalments in respect of the hire-purchase agreement as and when
they fall due; and for this purpose he may apply to a court of a
Magistrate for an order to that effect.

Guarantor not to seize

25. Nothing in this Part shall entitle the guarantor to exercise a
licence to seize conferred on the owner by the hire-purchase
agreement except where the agreement expressly provides that such
licence shall be assignable.

PART VI

INSURANCE

Insurance of goods comprised in hire-purchase agreements

26. (1) An owner shall cause to be insured in the name of the
hirer
(a) motor vehicles comprised in a hire-purchase agreement,
for the first year only; and

Hire-Purchase 45

(b) all other goods comprised in a hire-purchase agreement,
for the duration of time that the goods remain under
hire-purchase,

against any risks that he thinks fit.

(2) Where the goods comprised in a hire-purchase agreement is a
motor vehicle, it shall be the duty of the hirer to cause the said
vehicle to be insured in respect of the second and all subsequent years
that the motor vehicle remains under hire-purchase.

(3) An owner shall not require a hirer to insure any risks with any
particular registered insurer.

(4) An owner who fails to comply with subsection (1) and a hirer
who fails to comply with subsection (2) shall be guilty of an offence
under this Act.

(5) A hirer shall, not less than fourteen days before the date of
expiry of a policy of insurance in respect of a motor vehicle, inform
the owner that he has renewed the said policy or that he has caused a
fresh policy of insurance to be issued.

(6) Where the hirer has failed to renew the policy of insurance or
to cause a fresh policy to be issued, the owner shall be at liberty to
cause the motor vehicle to be insured and any costs thereby incurred
shall be borne by the hirer.

(7) All amounts payable in respect of insurance, excluding such
amounts payable in respect of the insurance of motor vehicles for the
second and subsequent years, shall form part of the hire-purchase
price.

(8) Where in respect of the insurance of goods comprised in a
hire-purchase agreement, the insurer allows any commission or rebate
including a no-claim rebate or any other rebate of a similar nature (as
distinct from legitimate agency commission) to an owner who is also
a bona fide agent of an insurer and who arranges the insurance on
behalf of the hirer, the hirer under the hire-purchase agreement is
entitled to the benefit of the commission and the rebate and any

person who knowingly pays or allows any such commission or rebate
to an owner and any owner who receives such commission or rebate
shall be guilty of an offence under this Act.

Powers of court in relation to insurance contracts associated with
hire-purchase agreements

27. (1) In any proceedings taken in any court in respect of any
difference or dispute arising out of a contract of insurance if it
appears to the court that a failure by the insured or the hirer under the
hire-purchase agreement concerned to observe or perform a term or
condition of the contract of insurance may reasonably be excused on
the ground that the insurer was not prejudiced by the failure, the court
may, unless an order excusing the failure has already been made
under subsection (2), order that the failure be excused.

(2) Where a difference or dispute has arisen out of a contract of
insurance, the insured or the hirer under the hire-purchase agreement
concerned or any guarantor in respect of that agreement may, unless
an order excusing the failure concerned has already been made under
subsection (1), apply to the court for an order that the failure to
observe or perform a term or condition of the contract of insurance be
excused; and if it appears to the court that the failure may reasonably
be excused on the ground that the insurer was not prejudiced by the
failure, the court may order that the failure be excused.

(3) Where an order of the nature referred to in subsections (1)
and (2) has been made the rights and liabilities of all persons in
respect of the contract of insurance concerned shall be
determined as if the failure the subject of the order had not
occurred.

Contents of contracts of insurance

28. (1) Every copy of a policy of insurance (not being a policy of
third party insurance), and every statement, served upon a hirer
pursuant to section 4 shall

Hire-Purchase 47

(a) identify the goods or the part of the goods to be insured;
and

(b) contain a statement of the amount and period for which
the goods are insured or are to be insured; and

(c) if the amount for which the goods are or are to be
insured will vary during the period of the agreement,
contain a statement showing the varying amounts.

(2) Subject to subsection (3) any provision in any agreement,
policy of insurance or other document

(a) requiring differences or disputes arising out of a contract
of insurance to be referred to arbitration;

(b) providing that no action or suit shall be maintainable
upon such a contract or against the insurer in respect of
any claim under, or difference or dispute arising out of,
such a contract unless the claim, difference, or dispute
has been referred to arbitration or an award pursuant to
arbitration proceedings has been first obtained;

(c) providing that arbitration or an award pursuant to
arbitration proceedings is a condition precedent to any
right of action or suit upon such a contract; or

(d) otherwise imposing by reference to arbitration or to an
award made in arbitration proceedings any limitation on
the right of person to bring or maintain any action or suit
upon such a contract,

shall not bind the hirer.

(3) Nothing in subsection (2) shall prevent the parties to a
contract of insurance from making an agreement, after a difference or
dispute has arisen out of the contract of insurance, to submit the
difference or dispute to arbitration.


Application of Part VI

29. The provisions of this Part shall have effect notwithstanding
anything to the contrary contained in any other written law.

PART VII

GENERAL

Limitation on terms charges

30. (1) The terms charges in relation to a hire-purchase agreement
shall not, when calculated as a rate per centum per annum in
accordance with the formula set out in the Sixth Schedule, exceed a
rate per annum as may be prescribed by any regulations made under
this Act in respect of any goods or class of goods.

(2) Where a hire-purchase agreement is entered into in
contravention of this section, the hirer may, by notice in writing to
the owner signed by the hirer or hirers agent, elect either to treat the
agreements as void or to have his liability reduced by the amount
included in the agreement for terms charges; and

(a) where the hirer elects to treat the hire-purchase
agreement as void, the agreement shall be void, and the
amount paid or provided, whether by cash or other
consideration, by or on behalf of the hirer under the
agreement shall be recoverable by action as a debt due
to him by the owner;

(b) where the hirer elects to have his liability reduced by the
amount included in the agreement for terms charges, his
liability shall be reduced by that amount and that
amount may be set off by the hirer against the amount
that would otherwise be due under the agreement and, to
the extent to which it is not so set off, may be recovered
by action by the hirer as a debt due to him by the owner.

Hire-Purchase 49

Booking fee

30A. (1) No owner, dealer, agent or person acting on behalf of the
owner shall collect or accept a booking fee from an intending hirer
before the receipt of the duly completed form set out in Part II of the
Second Schedule by the hirer.

(2) The booking fee referred to in subsection (1) shall not exceed
one percent of the cash price of the goods comprised in a hire-
purchase agreement.

(3) Notwithstanding anything under this Act, the booking fee
shall form part of the deposit under section 31.

(4) An owner, dealer, agent or person acting on behalf of the
owner shall refund ninety percent of the booking fee to the intending
hirer upon the withdrawal of the booking of the goods comprised in a
hire-purchase agreement.

(5) Any person who contravenes this section shall be guilty of an
offence under this Act.

Minimum deposits

31. (1) Where the minimum amount of the deposit in respect of any
goods or class of goods is not prescribed, an owner who enters into a
hire-purchase agreement without having first obtained from the
proposed hirer thereunder a deposit in cash or in goods, or partly in
cash and partly in goods, to a value not less than one-tenth of the cash
price of the goods comprised in the agreement, shall be guilty of an
offence under this Act.

(1A) An owner shall collect the deposit upon the signing of the
hire-purchase agreement.

(1B) If any owner, dealer, agent or person acting on behalf of the
owner fails to deliver the goods intended for the hire-purchase
agreement to the intending hirer, the owner, dealer, agent or person

acting on behalf of the owner shall refund the full amount of the
deposit to the intending hirer.

(2) In this section and in section 32 hire-purchase agreement
does not include any agreement or arrangement that is entered into
solely for the purpose of giving effect to an assignment or transfer of
the rights and liabilities under an existing hire-purchase agreement
from the hirer to another person.

(3) Any person who contravenes subsections (1A) and (1B) shall
be guilty of an offence under this Act.

Certain payments, etc., not to be treated as deposits for the
purposes of this Part

32. (1) No deposit

(a) to the extent that it is in cash and that it is made out of
moneys borrowed directly or indirectly

(i) from or through the owner (if the owner is not a
banker);

(ii) from or through an agent or servant of the
owner; or

(iii) from or through any person whose business or
part of whose business it is, by agreement with
the owner or any person acting on behalf of the
owner, to advance money to enable deposits to
be paid in respect of hire-purchase agreements
with the owner;

(b) to the extent that, where the deposit is in goods or partly
in goods and the amount allowed in respect of the goods
is substantially greater than the value of the goods, that
amount exceeds that value;

Hire-Purchase 51

(c) to the extent that it is made out of an amount allowed or
credited in respect of, or by reference to, amounts paid
by the hirer as rent or hire under a bailment of the goods
before the making of a hire-purchase agreement in
respect of the goods; or

(d) to the extent that it is provided by goods that were, to
the knowledge of the owner or dealer, acquired by the
hirer for the purpose of being used by the hirer to
provide the deposit under the agreement,

shall be taken into account for the purpose of determining whether
the provisions of section 31 have been complied with.

(2) The provisions of this Part shall be deemed to have been
complied with by the owner if a deposit in accordance with the
provisions of this Part has been obtained by the dealer or an agent or
employee of the owner.

(3) Any person who knowingly enters into, or procures, arranges,
or otherwise assists or participates in, a transaction contravening the
provisions of this section shall be guilty of an offence under this Act.

Power of court to reopen certain hire-purchase transactions

33. (1) In any proceedings under this Act or arising out of a hire-
purchase agreement, or instituted pursuant to subsection (4), where it
appears to the court that the transaction is harsh and unconscionable
or is otherwise such that it will be just to give relief the court may
reopen the transaction.

(2) The court reopening any transaction under this section may,
notwithstanding any statement or settlement of accounts or any
agreement purporting to close previous dealings and create a new
obligation

(a) reopen any account already taken between the parties;


(b) relieve the hirer and any guarantor from payment of any
sum in excess of such sum in respect of the cash price,
terms charges, and other charges as the court adjudges to
be fairly and reasonably payable;

(c) set aside either wholly or in part or revise or alter any
agreement made or security given in connection with the
transaction;

(d) give judgment for any party for such amount as having
regard to the relief (if any) that the court thinks fit to
grant, is justly due to that party under the agreement;
and

(e) if it thinks fit give judgment against any party for
delivery of the goods if they are in his possession.

(3) Where it appears to the court that any person other than the
owner has shared in the profits of or has any beneficial interest
prospectively or otherwise in the transaction that the court holds to be
harsh and unconscionable the court may add that person as a party to
the case and may give judgment against that person for such amount
as it thinks fit or for the delivery of the goods if they are in his
possession and the court may make such other order in respect of that
person as it thinks fit.

(4) Subject to subsection (5), proceedings may be instituted in a
court by the hirer or any guarantor under a hire-purchase agreement
for the purpose of obtaining relief under this section.

(5) A hirer or guarantor under a hire-purchase agreement is not
entitled to institute proceedings under this section

(a) in a case where the owner has taken possession of the
goods comprised in the agreement after the expiration of
a period of four months after the date on which the
owner serves on the hirer the notice required by
subsection16(3) to be served on him; or

Hire-Purchase 53

(b) in any other caseafter the expiration of a period of
four months from the time when the transaction is
closed.

(6) In any proceedings under this section the court has
and may exercise all or any of the powers conferred by
subsections (1), (2) and (3) notwithstanding that the time for
the payment of any of the amounts payable under the
agreement may not have arrived.

Avoidance of certain provisions

34. Any provision in any hire-purchase agreement whereby

(a) any right conferred on the hirer by this Act to determine
a hire-purchase agreement is excluded or restricted;

(b) the hirer is subject to any greater liability on the
determination, in any manner whatsoever, of the hire-
purchase agreement or of the bailment thereunder, than
the liability to which he would be subject if the hire-
purchase agreement were determined in accordance with
this Act;

(c) the hirer is required to pay interest on any overdue
instalments at a rate exceeding eight per centum per
annum under hire-purchase agreement which provides
for terms charges at a fixed rate or, two per centum
above the prevailing rate of terms charges, under a hire-
purchase agreement which provides for terms charges at
a variable rate, simple interest calculated on a daily basis
or such other rate of interest as may be prescribed;

(d) the owner is relieved from liability for the acts or
defaults of any person acting in connection with or in
the course of the negotiations leading to the entering
into the hire-purchase agreement;


(e) the owner or any person acting on his behalf is
authorized to enter upon any premises for the purpose of
taking possession of goods otherwise than in accordance
with the provisions of this Act comprised in the hire-
purchase agreement or is relieved from liability for any
such entry;

(f) the operation of the hire-purchase agreement is
determined or modified or any person is authorized to
re-possess any goods comprised in a hire-purchase
agreement if the hirer becomes bankrupt or commits an
act of bankruptcy or executes a deed of assignment or a
deed of arrangement(whether all or any of those events
are named); or
(g) except as expressly provided by this Act, the operation
of any provision of this Act is excluded, modified, or
restricted,

shall be void and of no effect.

Provisions relating to securities collateral to hire-purchase
agreements

35. Where

(a) a bill of exchange or promissory note has been given by
a hirer or guarantor under a hire-purchase agreement to
the owner in respect of an amount payable under the
agreement; and

(b) the payment in due course of the bill of exchange or
promissory note would, by virtue of the operation of any
provision of this Act or otherwise, result in payment of
an amount in excess of the liability of the hirer under the
agreement,

the owner is liable to indemnify the hirer or guarantor, as the case
may be, in respect of the amount of the excess.

Hire-Purchase 55

False statement by dealers, etc., in proposals

36. Where

(a) a dealer, an agent or a person on behalf of an owner
prepares or causes to be prepared a hire-purchase
agreement or offer in writing that, if accepted, will
constitute a hire-purchase agreement with the intention
of bringing about a contractual relationship between an
owner and a hirer; and

(b) the agreement or offer contains to the knowledge of the
dealer, agent or person acting on behalf of the owner, as
the case may be, a false statement or representation that
is false in any material particular,

the dealer, agent or person acting on behalf of the owner shall be
guilty of an offence under this Act and shall, on conviction, be liable
to a fine not exceeding ten thousand ringgit or to imprisonment for a
term not exceeding twelve months or to both.

Prohibition against collection of payment other than those in the
Second Schedule

36A. Any owner, dealer, agent or person acting on behalf of the
owner who collects any payment in respect of a hire-purchase
agreement other than a payment listed in the Second Schedule or a
payment permitted under this Act shall be guilty of an offence under
this Act.

Prohibition against collection of payment by persons other than
owners, dealers, agents, etc.

36B. Any person not being an owner, dealer, agent or person acting
on behalf of the owner who collects any payment from a hirer in
respect of a hire-purchase agreement shall be guilty of an offence
under this Act.


Issue of receipt in respect of payments

36C. (1) An owner, dealer, agent or person acting on behalf of the
owner who collects any payment in respect of a hire-purchase
agreement shall issue a receipt to the hirer in respect of every such
payment collected.

(2) Any person who contravenes the provisions of subsection (1)

Owner to inform hirer where dealer, etc., has ceased to be
authorized to collect payment

36D. Where it is within the knowledge of the owner that any dealer,
agent or person acting on behalf of the owner to collect any payment
in respect of a hire-purchase agreement has ceased to be a dealer or
agent or person authorized to act on his behalf, it shall be the duty of
the owner to inform every hirer from whom such dealer, agent or
person ordinarily collects payment that the dealer, agent or person has
ceased to be authorized to so act and that no further payments should
be made to such dealer, agent or person.

Hirer may be required to state where goods are

37. (1) The owner of any goods comprised in a hire-purchase
agreement may, at any time by notice in writing served on the hirer
thereof, require him to state in writing where the goods are, or if the
goods are not in his possession, to whom he delivered the goods or
the circumstances under which he lost possession of them, and any
hirer who does not within fourteen days after the receipt of such a
notice give to the owner such a statement or who gives a statement
containing any information that is to the knowledge of the hirer false

(2) Where

(a) a hirer removes the goods comprised in a hire-purchase
agreement from the address specified; or
Hire-Purchase 57

(b) goods comprised in a hire-purchase agreement are lost
or are removed from or are taken out of the hirers
possession,

the hirer shall inform the owner in writing or state in the presence of
the owner

(i) the new address where the goods are kept; or

(ii) the date and circumstances in which the goods
were lost; or

(iii) the date and circumstances in which the goods
were removed or taken out of his possession,

and any hirer who does not within fourteen days of the removal or
loss comply with the provisions of this subsection shall be guilty of

Fraudulent sale or disposal of goods by hirer

38. Every person who, by the disposal or sale of any goods
comprised in a hire-purchase agreement, or by the removal of the
goods, or by any other means, defrauds or attempts to defraud the
owner shall be guilty of an offence under this Act and shall, on
conviction, be liable to a fine not exceeding thirty thousand ringgit or
to imprisonment for a term not exceeding three years or to both.

Certain alterations, etc., of hire-purchase agreement to be of no
effect

39. Any alteration of, or matter added to, a hire-purchase
agreement or any written document that contains the terms and
conditions of the agreement after the document was signed, if the
alteration is an alteration of any of the matters set out in the
written statement or statements required to be served on the hirer
pursuant to paragraphs 4(1)(a) and (b) before the hire-purchase
agreement was entered into, shall have no force or effect unless

the hirer or his agent has consented to the alteration or the
additional matter by signing or initialing the agreement or the
written document in the margin thereof opposite the alteration or
additional matter or, the hirer or his agent has consented to the
alteration or the additional matter by signing an agreement
supplemental to the hire-purchase agreement.

Second-hand goods

40. Where goods comprised in a hire-purchase agreement are, at the
time when the agreement is entered into, second-hand goods then
unless

(a) the goods are described in the agreement as second-hand
goods; or

(b) in any proceedings taken by the owner to enforce the
agreement, the court is satisfied that

(i) the hirer was aware at the time when he or his
agent signed the agreement that goods comprised
or to be comprised therein were second-hand
goods; or

(ii) the owner was not aware at the time when the
agreement was entered into that the goods
comprised therein were second-hand goods,

the liability of the hirer thereunder shall be reduced by the amount
included in the agreement for terms charges. The amount may be set
off by the hirer against the amount that would otherwise be due or
become due to the owner under the agreement and, to the extent to
which it is not so set off may be recovered by the hirer from the
owner as a civil debt.

Hire-Purchase 59

Power of court to extend time

41. Any time prescribed by this Act for the service or giving of any
notice or other document or for the commencement of proceedings
may, on an application made to a court of a Magistrate (either before
or after the expiration of that time but after notice to the other party to
the hire-purchase agreement), be extended by such court for such
further period, and upon such conditions, as the court thinks fit.

Power of court to order delivery of goods unlawfully detained

42. (1) Upon complaint made to a court of a Magistrate by an
owner who is entitled to take possession of any goods comprised in a
hire-purchase agreement or by any person acting on behalf of an
owner that the hirer or any person in possession of the goods has
refused or failed to deliver up possession of the goods on the service
of a notice of demand made by the owner or by an agent of the owner
authorized in that behalf, the Magistrate may summon the person
complained of to appear before the court and if it appears to the court
hearing the case that the goods are being detained without just cause,
the court may order the goods to be delivered up to the owner at or
before a time, and at a place, to be specified in the order.

(2) Any person who neglects or refuses to comply with any order
made under this section shall be guilty of an offence under this Act.

Service of notices

43. Any notice or document required or authorized to be served on
or given or sent to an owner or hirer under this Act may be served or
given or sent

(a) by delivering it to him personally; or

(b) (Deleted by Act A813);

(c) by posting it by registered post addressed to him at his
last known place of abode or business.

Substituted service

43A. (1) Where it appears that it is impracticable for any reason to
serve a notice or document required or authorized to be served on or
given or sent to an owner or hirer in accordance with section 43, a
court of a Magistrate may, on application by an owner or hirer, as the
case may be, make an order for substituted service of the notice or
document.

(2) An application for an order for substituted service must be
made by notice supported by an affidavit stating the facts on which
the application is founded.

(3) Substituted service of the notice or document is effected by
taking such steps as the court may direct to bring the notice or
document to the attention of the person to be served.

Proof of service

44. The affidavit or oral evidence of an owner or his servant or
agent, or a hirer, as to the delivery, posting or service of any notice or
document required or authorized to be served, given or sent under
this Act is admissible as prima facie proof of the service, giving or
sending of the notice or document.

Size, type, etc., required in certain documents

45. (1) Any prescribed document or part thereof

(a) not being the signature or initials of any person, that is
in handwriting that is not clear and legible;

(b) that is printed in type of a size smaller than the type
known as ten-point Times; or

(c) that is not printed in black,

shall, for the purposes of this Act, be deemed not to be in writing.
Hire-Purchase 61

(2) In this section prescribed document means

(a) any hire-purchase agreement;

(b) any statement under subsection 4(1);

(c) any copy of an agreement, notice or statement required
by section 5 to be served on a hirer;

(d) any statement required by subsection 9(1) to be sent to a
hirer; and

(e) any notice under subsection 16(1) or (3).

(3) Where, by virtue of this section, a prescribed document or
part of a prescribed document is, for the purposes of this Act, deemed
not to be in writing, then, except as is otherwise in this Act expressly
provided, the validity or effect of the prescribed document is not
affected.

Nothing in this subsection affects the liability of any person to be
convicted of an offence under this Act.

Penalty

46. (1) Any person who is guilty of an offence under this Act or
any regulations made thereunder for which no penalty is expressly
provided shall, on conviction, be liable

(a) if such person is a body corporate, to a fine not
exceeding one hundred thousand ringgit, and for a
second or subsequent offence, to a fine not exceeding
two hundred and fifty thousand ringgit;

(b) if such person is not a body corporate, to a fine not
exceeding twenty-five thousand ringgit or to
imprisonment for a term not exceeding three years or to
both, and for a second or subsequent offence, to a fine

not exceeding fifty thousand ringgit or to imprisonment
for a term not exceeding five years or to both.

(2) Where a person, being a director, manager or an officer
concerned in the management of the body corporate or was
purporting to act in such capacity, is guilty, by virtue of section 47, of
an offence under this Act or any regulations made thereunder for
which no penalty is expressly provided, he shall be liable to the
penalty provided for under paragraph (1)(b).

Liability of responsible officers of company

47. Where any offence under this Act has been committed by
anybody corporate (whether or not the body corporate has been
prosecuted) any person who at the time of the commission of the
offence was a director, manager or an officer concerned in the
management of the body corporate or was purporting to act in such
capacity shall be deemed to be guilty of that offence unless he proves
that the offence was committed without his consent or connivance
and that he exercised all such diligence to prevent the commission of
the offence as he ought to have exercised having regard to the nature
of his functions in that capacity and to all the circumstances of the
case.

Principal criminally liable for acts of servant or agent

48. Where the agent or servant of a person commits an offence, or
does anything or omits to do anything (which if done or omitted to be
done by that person would constitute an offence under this Act) that
person shall notwithstanding that he has no knowledge of the offence
be deemed guilty of the offence and be liable to punishment for the
offence unless he proves that

(a) the act or omission complained of was not within the
ordinary scope of the employment of the agent or
servant; or

Hire-Purchase 63

(b) the act or omission complained of was done or omitted
to be done without his consent or connivance and that he
exercised all such diligence to prevent the commission
as he ought to have exercised having regard to all the
circumstances of the case.

PART VIII

POWERS OF ENFORCEMENT

Declaration of office

49. Every officer appointed under this Act when acting against any
person under this Act shall on demand declare his office and produce
to the person against whom he is acting such authority card as the
Controller may direct to be carried by such officer.

Power to enter premises and inspect and seize goods and
documents

50. (1) Any officer appointed under this Act may, at all reasonable
hours, exercise the following powers, that is to say

(a) if he has reasonable cause to suspect that an offence
under this Act has been committed, he may for the
purpose of ascertaining whether it has been committed,
enter any premises other than premises used only as a
dwelling and require any person carrying on a trade or
business or employed in connection with a trade or
business to supply him any information or to produce
any goods, document or computerized data relating to
the trade or business and he may take copies of, or
copies of any entry in, any such document or
computerized data;

(b) he may seize and detain any goods, document or
computerized data which he has reason to believe may

be required as evidence in proceedings for an offence
under this Act.

(2) Any officer appointed under this Act seizing any goods,
document or computerized data in the exercise of his powers under
this section shall, as soon as possible, supply a list of the goods,
documents or computerized data seized to the person from whom
they are seized.

(3) If a Magistrate, on sworn information in writing

(a) is satisfied that there is reasonable ground to believe
either

(i) that any goods, document or computerized data
which any officer appointed under this Act has
power under this section to inspect are on any
premises and that their inspection is likely to
disclose evidence of the commission of an
offence under this Act; or

(ii) that any offence under this Act has been, is being
or is about to be committed on any premises; and

(b) is also satisfied either

(i) that admission to the premises has been or is
likely to be refused and that notice of intention to
apply for a warrant under this subsection has
been given to the occupier; or

(ii) that an application for admission or the giving of
such a notice would defeat the object of the entry
or that the premises are unoccupied or that the
occupier is temporarily absent and it might
defeat the object of the entry to await his return,

the Magistrate may by warrant under his hand, which shall continue
in force for a period of one month, authorize any officer appointed
under this Act to enter the premises, if need be by force.
Hire-Purchase 65

(4) Any officer appointed under this Act entering any premises by
virtue of this section may take with him such other persons and such
equipment as may appear to him necessary; and on leaving any
premises which he has entered by virtue of the powers under
subsection (1) or a warrant under the preceding subsection he shall, if
the premises are unoccupied or the occupier is temporarily absent,
leave them as effectively secured against trespassers as he found
them.

Access to computerized data

50A. (1) An Assistant Controller conducting a search under this
Act shall be given access to computerized data whether stored in a
computer or otherwise.

(2) For the purpose of this section, access

(a) includes being provided with the necessary password,
encryption code, decryption code, software or hardware
and any other means required to enable comprehension
of such computerized data; and

(b) has the same meaning assigned to it by subsections 2(2)
and (5) of the Computer Crimes Act 1997 [Act 563].

List of things seized

50B. (1) Where any goods, document or computerized data is seized
under this Part, the Assistant Controller shall, as soon as practicable,
prepare a list of the things seized and of the places in which they are
respectively found and deliver a copy of the list signed by him to the
occupier of the premises which has been searched, or to his agent or
servant, at the premises.

(2) Where the premises are unoccupied, the Assistant Controller
shall whenever possible post a list of the things seized conspicuously
on the premises.


Obstruction of officers

51. (1) Any person who

(a) wilfully obstructs any officer appointed under this Act
acting in pursuance of this Act;

(b) wilfully fails to comply with any requirement properly
made to him by such an officer under section 50; or

(c) without reasonable cause fails to give such an officer so
acting any other assistance or information which he may
reasonably require of him for the purpose of the
performance of his functions under this Act,

shall be guilty of an offence and shall, on conviction, be liable to a
fine not exceeding thirty thousand ringgit or to imprisonment for a
term not exceeding three years or to both.

(2) If any person, in giving any such information as is mentioned
in the preceding subsection, makes any statement which he knows or
has reason to believe to be false, he shall be guilty of an offence and
shall, on conviction, be liable to the penalty mentioned in that
subsection.

(3) (Deleted by Act A1384).

Warrant admissible notwithstanding defects, etc.

51A. A warrant issued under this Act shall be valid and enforceable
notwithstanding any defect, mistake or omission therein or in the
application for such warrant and any goods or documents seized
under such warrant shall be admissible in evidence in any
proceedings under this Act.

Hire-Purchase 67

Powers of investigation

51B. (1) An Assistant Controller shall have the power to investigate
the commission of any offence under this Act or any regulations
made thereunder.

(2) An Assistant Controller investigating the commission of
an offence under this Act or any regulations made thereunder
may exercise all or any of the powers in relation to police
investigation in seizable cases as provided for under the Criminal
Procedure Code [Act 593].

Power of arrest

51C. (1) An Assistant Controller may arrest without warrant any
person whom he reasonably believes has committed or is attempting
to commit an offence under this Act if the person refuses to furnish
his name and address or furnishes an address out of Malaysia or there
are reasonable grounds for believing that he has furnished a false
name or address or that he is likely to abscond.

(2) An Assistant Controller making an arrest under subsection (1)
shall without unnecessary delay make over the person so arrested to
the nearest police officer or, in the absence of a police officer, take
such person to the nearest police station, and thereafter the person
shall be dealt with as provided under the law relating to criminal
procedure for the time being in force as if he had been arrested by a
police officer.

Power to require attendance of person acquainted with case

51D. (1) An Assistant Controller making an investigation under this
Act or any regulations made thereunder may, by order in writing,
require the attendance before himself of any person who appears to
him to be acquainted with the facts and circumstances of the case,
and such person shall attend as so required.


(2) If any person refuses to attend as so required, the Assistant
Controller may report such refusal to a Magistrate who shall issue a
warrant to secure the attendance of such person as may be required
by the order made under subsection (1).

Examination of person acquainted with case

51E. (1) An Assistant Controller making an investigation under this
Act or any regulations made thereunder may examine orally any
person supposed to be acquainted with the facts and circumstances of
the case and shall reduce into writing any statement made by the
person so examined.

(2) The person examined under subsection (1) shall be legally
bound to answer all questions relating to such case put to him by the
Assistant Controller, but such person may refuse to answer any
question the answer to which would have a tendency to expose him to
a criminal charge or penalty or forfeiture.

(3) A person making a statement under this section shall be
legally bound to state the truth, whether or not such statement is
made wholly or partly in answer to questions.

(4) The Assistant Controller examining a person under
subsection (1) shall first inform that person of the provisions
of subsections (2) and (3).

(5) A statement made by any person under this section shall,
wherever possible, be reduced into writing and signed by the person
making it or affixed with his thumbprint, as the case may be, after

(a) it has been read to him in the language in which he made
it; and

(b) he has been given an opportunity to make any correction
he may wish.

Hire-Purchase 69

Supply of information

52. (1) The Controller, Deputy Controller and any other officer
specially authorized in writing by the Controller in that behalf may in
writing require any owner or dealer to supply him any information he
may request relating to any hire-purchase agreement or to the goods
to which such agreement relates.

(2) Any person who without reasonable excuse fails to supply any
information requested under subsection (1) or supplies any
information which he knows or has reason to believe to be false
commits an offence under this Act.

Admissibility of statement in evidence

53. (1) Except as provided in this section, no statement made by
any person to any Assistant Controller in the course of an
investigation made under this Act or any regulations made thereunder
shall be used in evidence.

(2) When any witness is called for the prosecution or for the
defence, other than the accused, the court shall, on the request of the
accused or the prosecutor, refer to any statement made by that
witness to any Assistant Controller in the course of the investigation
under this Act or any regulations made thereunder and may then, if
the court thinks fit in the interest of justice, direct the accused to be
furnished with a copy of it and the statement may be used to impeach
the credit of the witness in the manner provided by the Evidence Act
1950 [Act 56].

(3) Where the accused had made a statement during the course of
an investigation, such statement may be admitted in evidence in
support of his defence during the course of the trial.

(4) Nothing in this section shall be deemed to apply to any
statement made in the course of an identification parade or falling
within section 27 or paragraphs 32(1)(a), (i) and (j) of the Evidence
Act 1950.


(5) When any person is charged with any offence in relation to

(a) the making; or

(b) the contents,

of any statement made by him to any Assistant Controller in the
course of an investigation made under this Act or any regulations
made thereunder, that statement may be used as evidence in the
prosecutions case.

Disclosure of information

54. If any person discloses to any other person any information
obtained by him in pursuance of this Act he shall be guilty of an
offence unless the disclosure was made in or for the purpose of the
performance of functions under this Act.

Prosecution

55. No prosecution for any offence under this Act shall be instituted
except by or with the written consent of the Public Prosecutor.

Forfeiture of goods, etc., seized

55A. (1) Any goods, document or computerized data seized in the
exercise of any power conferred under this Act shall be liable to
forfeiture.

(2) An order for the forfeiture or for the release of any goods,
document or computerized data seized in the exercise of any power
conferred under this Act shall be made by the court before which the
prosecution with regard thereto has been held and an order for the
forfeiture of the goods, document or computerized data shall be made
if it is proved to the satisfaction of the court that an offence under this
Act has been committed and that the goods, document or
computerized data were the subject matter of or were used in the
Hire-Purchase 71

commission of the offence, notwithstanding that no person may have
been convicted of such offence.

(3) If there be no prosecution with regard to any goods, document
or computerized data seized in the exercise of any power conferred
under this Act, such goods, document or computerized data shall be
taken and deemed to be forfeited at the expiration of one calendar
month from the date of service of a notice to the person from whom
the goods, document or computerized data were seized indicating that
there is no prosecution in respect of such goods, document or
computerized data, unless a claim thereto is made before that date in
the manner set out in subsections (4), (5) and (6).

(4) Any person asserting that he is the owner of the goods,
document or computerized data referred to in subsection (3) and that
it is not liable to forfeiture may, personally or by his agent authorized
in writing, give written notice to the Assistant Controller in whose
possession such goods, document or computerized data is held that he
claims the goods, document or computerized data.

(5) On receipt of the notice under subsection (4), the Assistant
Controller shall refer the notice to the Controller or Deputy
Controller, who may, after such enquiries as may be necessary, direct
that such property, document or computerized data be released or
forfeited or refer the matter to a Magistrate for his decision.

(6) The Magistrate to whom the matter is referred under
subsection (5) shall issue a summons requiring the person asserting
that he is the owner of the goods, document or computerized data and
the person from whom they were seized to appear before such
Magistrate and upon their appearance or default to appear, due
service of the summons being proved, the Magistrate shall proceed to
the examination of the matter and on proof that an offence under this
Act has been committed and that such goods, document or
computerized data were the subject matter or were used in the
commission of such offence shall order the same to be forfeited and
shall, in the absence of such proof, order their release.

(7) Any goods, document or computerized data forfeited or
deemed to be forfeited shall be delivered to the Assistant Controller

and shall be disposed of in accordance with the directions of the
Controller.

No costs or damages arising from seizure to be recoverable

55B. No person shall, in any proceedings before any court in respect
of any goods, document or computerized data seized in the exercise
or the purported exercise of any power conferred under this Act, be
entitled to the costs of such proceedings or to any damages or other
relief unless such seizure was made without reasonable cause.

Cost of holding property, etc., seized

55C. Where any goods, document or computerized data seized in the
exercise of any power under this Act is held in the custody of the
Government pending the completion of any proceedings in respect of
an offence under this Act or any regulations made thereunder, the
cost of holding it in custody shall, in the event of any person being
found guilty of an offence under this Act or any regulations made
thereunder, be a debt due to the Government by such person and shall
be recoverable accordingly.

Compounding

56. (1) The Controller or, in his absence, the Deputy Controller
may, with the consent in writing of the Public Prosecutor, compound
any offence which is prescribed to be a compoundable offence by
making a written offer to the person suspected to have committed the
offence to compound the offence upon payment to the Controller or,
in his absence the Deputy Controller, of an amount of money not
exceeding fifty per centum of the amount of maximum fine for that
offence within such time as may be specified in his written offer.

(2) An offer under subsection (1) may be made at any time after
the offence has been committed but before any prosecution for it has
been instituted, and if the amount specified in the offer is not paid
within the time specified in the offer or such extended time as the
Hire-Purchase 73

Controller or, in his absence the Deputy Controller, may grant,
prosecution for the offence may be instituted at any time after that
against the person to whom the offer was made.

(3) Where an offence has been compounded under subsection (1),
no prosecution shall be instituted in respect of the offence against the
person to whom the offer to compound was made, and any goods,
document or computerized data seized in connection with the offence
may be released or forfeited by the Controller or, in his absence the
Deputy Controller, subject to such terms and conditions as he deems
fit to impose in accordance with the conditions of the compound.

Protection of Controller, Deputy Controllers, Assistant
Controllers, etc.

56A. No action or prosecution shall be brought, instituted or
maintained in any court against the Controller, Deputy Controllers,
Assistant Controllers or any other officer duly appointed by the
Minister for or on account of or in respect of any act ordered or done
for the purpose of carrying into effect this Act, and no suitor
prosecution shall lie in any court against any other person for or on
account of or in respect of any act done or purported to have been
done by him under the order, direction or instruction of the
Controller, Deputy Controllers, Assistant Controllers or any other
officer duly appointed by the Minister for any such purpose as
aforesaid:

Provided that the act was done in good faith and in a reasonable
belief that it was necessary for the purpose intended to be served
thereby.

Protection of informers

56B. (1) Except as provided in this section, no witness in any civil or
criminal proceedings shall be obliged or permitted to disclose the
name or address of any informer or the substance and nature of the
information received from him or to state any matter which might
lead to his discovery.

(2) If any goods, document or computerized data which is in
evidence or liable to inspection in any civil or criminal proceedings
contains any entry in which any informer is named or described or
which might lead to his discovery, the court shall cause all such
entries to be concealed from view or to be obliterated so far as may
be necessary to protect the informer from discovery.

(3) If in a trial for any offence under this Act or any regulations
made thereunder, the court after full inquiry into the case believes
that the informer wilfully made in his complaint a material statement
which he knew or believed to be false or did not believe to be true, or
if in any other proceedings the court is of the opinion that justice
cannot be fully done between the parties to the proceedings without
the discovery of the informer, the court may require the production of
the original complaint, if in writing, and permit inquiry and require
full disclosure concerning the informer.

PART IX

REGULATIONS, ETC.

Regulations

57. (1) The Minister may make regulations for or in respect of
every purpose which is deemed by him necessary for carrying out the
provisions of this Act and for the prescribing of any matter which is
authorized or required under this Act to be so prescribed.

(2) Without prejudice to the foregoing power the Minister may by
regulations

(a) after consultation with the Minister charged with the
responsibility for insurance prescribe

(i) the rates of insurance in respect of any class or
classes of goods;

(ii) the different rates for insurance in respect of
different classes of goods;
Hire-Purchase 75

(iii) the rates on a sliding scale; or

(iv) the rates according to or upon any specified
principle or criterion;

(b) prescribe all matters relating to the issuance of permits
granted under this Act, including the procedure for
application, fees, forms, conditions and duration of the
permits;

(c) regulate the manner by which an owner, his servant or
agent shall exercise the power of taking possession;

(d) require records to be maintained by owners and dealers
and prescribe the particulars to be recorded;

(e) require owners and dealers to supply at such times as
may be specified information relating to hire-purchase
transactions;

(f) prescribe the offences under this Act which may be
compounded, the amount of such compound and the
procedure to be followed in compounding.

(3) The regulations made under this section may provide for

(a) any act or omission in contravention of the regulations
to be an offence; and

(b) the imposition of penalties of a fine not exceeding thirty
thousand ringgit or imprisonment for a term not
exceeding three years or to both.

Power to amend Schedules

57A. (1) The Minister may by order published in the Gazette amend
the Schedules to this Act.


(2) Hire-purchase agreements entered into prior to any
amendment, or variation of, deletion from, or addition to, any
Schedule to this Act shall not be affected by such amendment,
variation, deletion or addition and the Act shall continue to apply or
not to apply, as the case may be, to such hire-purchase agreements.

Operation of certain laws

58. The Bills of Sale Ordinance 1950 [F.M. No. 30 of 1950] of the
States of Malaya, the Bills of Sale Ordinance of Sabah[Cap. 14] and
the Bills of Sale Ordinance of Sarawak [Cap. 68]and any subsequent
or other legislation for the time being in force in the Federation
relating to Bills of Sale shall not apply to any provision in any hire-
purchase agreement whereby the rights of the owner thereunder are
extended to any replacements or renewals by the hirer of any part or
parts of or any accessories added or additions made by the hirer to
any goods comprised in any such agreement.

Hire-Purchase 77

FIRST SCHEDULE

[Section 1]

LIST OF GOODS

1. All consumer goods;

2. Motor vehicles, namely

(a) Invalid carriages;

(b) Motor Cycles;

(c) Motor Cars including taxi cabs and hire cars;

(d) Goods Vehicles (where the maximum permissible laden weight does
not exceed 2540 kilograms);

(e) Buses, including stage buses.

SECOND SCHEDULE

PART I

[Paragraph 4(1)(a) and Subparagraph 4(1)(b)(i)]

SUMMARY OF YOUR FINANCIAL OBLIGATIONS UNDER
THE PROPOSED HIRE-PURCHASE AGREEMENT

This document contains a short description of the goods comprised in the hire-
purchase agreement and a summary of your financial obligations under the
proposed hire-purchase agreement.

1. Particulars of goods

(a) Short description of goods: ..

(b) If motor vehicle, state registration number: .

(c) State whether new or second-hand: .....

(d) Address where goods will be kept: ......

2. Particulars Relating To Your Financial Obligations

(a) Cash price of goods* RM ..........................

(b) Amount to be paid before entering into RM ..........................
the hire-purchase agreement (hereinafter
referred to as deposit)

(c) Cash price less deposit RM .................. RM ..........................

(d) Freight charges, if any RM ..........................

(e) Vehicle registration fee, if any RM ..........................

3. Insurance:

(a) For motor vehicles, insurance in RM ..........................
respect of the first year only:

(b) For goods other than motor RM ..........................
vehicles, in respect of the duration
of the hire-purchase agreement

4. Terms charges:

(a) For fixed rate

i Rate per annum................................%

ii Total amount of terms charges RM ..........................

(b) For variable rate

i Rate per annum...........% + BLR,
currently at .......................%

ii Total amount of terms charges** RM ..........................

Balance originally payable under the agreement** RM ..........................

Annual Percentage Rate** RM ..........................

Balance originally payable under the RM ..........................
agreement, inclusive of deposit,
referred to in the agreement as the
hire-purchase price**

Difference between cash price of goods RM ..........................
and the total amount you will have to pay**

Hire-Purchase 79

5. Particulars Relating to Payment

Duration of payment of instalments in

(a) number of months or years** .........

(b) number of instalments** .........

(c) amount of each instalment** .........

This document is issued by or on behalf of ...........................................................at
........................................................................on this.............................................day
of..................pursuant to Paragraph 4(1)(a)/Subparagraph 4(1)(b)(i)*** of the Hire-
Purchase Act 1967.

This document is given free of charge without any obligation to enter into a hire-
purchase agreement.

I/We...............NRIC No.of.....................hereby acknowledge receipt of
this document.

Signature........

Date........

NOTE:
*Price stated will be valid for a period of 7 days.
**where the terms charges are at a variable rate, the particulars specified shall be based on the BLR
applicable at the time of serving of this written statement.
***Strike out whichever is inapplicable.

PART II

[Subparagraph 4(1)(b)(ii)]

CONSENT OF PROSPECTIVE OWNER

To

TAKE NOTICE that ................................................
NRIC No.....................................of ..........................intends
to enter into a hire-purchase agreement in respect of ...... and a copy of a
summary of his financial obligations under the proposed hire-purchase agreement
has been served on him on the ........................day of
.......................20, a copy of which is attached herewith, pursuant
to subparagraph 4(1)(b)(i) of the Hire-Purchase Act 1967.


2. If you agree to be a party as owner in the proposed hire-purchase agreement,
kindly confirm by signing at the appropriate column of this document.

(Signature of Dealer)

Name:.

Address:..

Date:...

To...
...................

*I/We .......................................................
hereby agree to be a party as owner in the proposed hire-purchase agreement.

(Signature of the prospective owner)

Name:

Address:....

Date:..

*NOTE:
Insert description of goods.

THIRD SCHEDULE

(Deleted by Act A813)

FOURTH SCHEDULE

[Section 16]

NOTICE OF INTENTION TO RE-POSSESS

Take notice that we the owner
of*.......................hired by you under an agreement dated the
Hire-Purchase 81

...................................................,intends to retake possession of the goods after the
expiration of.................................... days from the service of this notice unless the
arrears of instalments including arrears of interest due on overdue instalments
which now amount to RM are paid to
aton or before

(a) Total amount payable ** as at ........../........./.........: RM.............

(b) Amount paid or provided by hirer to *** ....../...../.... RM.............

(c) Arrears under agreement to ......./........./.........: RM.............
And further take notice that if the goods are returned to the owner within twenty-
one days after the service on you of this notice, you will not be liable to pay the
following namely:

(i) cost of repossession;

(ii) cost incidental to taking possession; and

(iii) cost of storage.

NOTE:
*Insert description of goods.
**Where terms charges at a variable rate, the total amount payable consists of outstanding amount
financed and terms charges accrued up to the date, indicated above.
***Not applicable if the terms charges are at a variable rate.

FIFTH SCHEDULE

NOTICE TO HIRERS UNDER SECTION 16

Now that the goods you hired have been re-possessed you will be entitled to get
them back

(a) if, within twenty one days you require the owner, by notice in writing
signed by you or your agent, to re-deliver the goods to you and if,
within twenty one days after giving the notice, you reinstate the
agreement by paying the arrears and remedy the following breaches of
the agreement (or pay the owners expenses in remedying them):

The owners estimate of the amount you must pay to reinstate the
agreement is

Arrears of instalments RM................

Arrears of interest due on overdue instalments RM................

Cost of storage, repair or maintenance RM................

Cost of re-possession RM................

Cost of re-delivery RM................

Total RM

Or

(b) if within twenty one days, you give notice of intention to finalise the
agreement and pay the balance due under the agreement and costs of
the re-possession:

The owners estimate of the amount required to finalise the
agreement is

(i) where in the hire-purchase agreement the terms charges are at a
fixed rate:

Total amount payable under the
agreement RM................

Less deposit and instalments paid RM................

Balance due under agreement RM................

Less statutory rebates RM................

Add arrears of interest due on
overdue interests RM................

Add costs of re-possession RM................

Storage, repair or maintenance RM................

Total RM

or

(ii) where in the hire-purchase agreement the terms charges are at a
variable rate:

Balance outstanding under the hire-purchase
Hire-Purchase 83

agreement as at................. RM................

Less statutory rebates RM................

Add arrears of interest due on
overdue interests RM................

Add costs of re-possession RM................

Storage, repair or maintenance RM................

Total RM

(c) If you do not reinstate or finalise the agreement you will be liable for the
owners loss unless the value of the goods re-possessed is sufficient to
cover your liability. If the value of the goods is more than sufficient to
cover your liability you will be entitled to a refund.

The owners estimate of the value of
the goods re-possesses is RM................

* On the basis of that estimates you
are entitled to a refund of RM................

You are liable to pay the owner RM................

NOTEYou may give a written notice to the owner requiring the owner to sell the
goods to any cash buyer you can introduce who is willing to pay the owners
estimate of the value, i.e.,+

DO NOT DELAY

Action to enforce your rights should be taken at once. You will lose your rights
twenty one days after the service or posting of this notice if you do not take action.

NOTEWhere this notice is sent to a guarantor it shall be endorsed as follows:

This notice is sent to you as guarantor of .................

As guarantor you have certain rights under the Hire-Purchase Act 1967 and you are
advised to seek advice at once.

NOTE:
*Strike out whichever is inapplicable.
+Insert owners estimates of value.

SIXTH SCHEDULE

[Section 30]

TERMS CHARGES

1. Where the terms charges are at a fixed rate, the terms charges shall be
calculated in accordance with the following formula:

100 X C
R =
T X P

Where

R represents the terms charges calculated as a rate per centum per annum.

C represents the amount of terms charges expressed in ringgit and fractions
of ringgit.

T represents the time that elapses between the time fixed by or under the
agreement for the making of the first instalment and the time so fixed for
the making of the last instalment, together with

(a) one week where the instalments are payable under the agreement
at regular weekly intervals;

(b) two weeks where the instalments are payable under the
agreement at regular fortnightly intervals;

(c) one month where the instalments are payable under the
agreement at regular monthly intervals,

expressed in years and fractions of years.

P represents the difference between the cash price of the goods comprised
in the agreement and the amount of the deposit, together with

(a) freight, if any; and

(b) vehicle registration fees, if any; and

(c) insurance, if any,

expressed in ringgit and sen.
Hire-Purchase 85

2. Where the terms charges are at a variable rate, the terms charges shall be
calculated in accordance with the following formula:

Where

R represents the terms charges calculated as a rate per centum per annum
(based on total of Base Lending Rate (BLR) plus margin)

T represents the number of scheduled payments per annum

N represents the total number of instalments for the hiring period

P represents the difference between the cash price of the goods comprised
in the agreement and the amount of the deposit, together with

(a) freight, if any; and

(b) vehicle registration fees, if any; and

(c) insurance, if any,

expressed in ringgit and sen.

SEVENTH SCHEDULE

[Section 4C]

ANNUAL PERCENTAGE RATE

The annual percentage rate shall be calculated in accordance with the following
formula:

2 NF (300C + NF)

2 NF + 300C (N + 1)


Where

N is the total number of instalments.

C is the number of instalments that, under the contract, will be paid in one
year or, where the contract is to be completed in less than one year, the
number of instalments that would be paid in one year if instalments
continued to be paid at the same intervals.

F is the amount determined in accordance with the formula

100C X T

N X A

Where

C is the same number as the first-mentioned formula.

T is the total amount of the pre-determined terms charges.

N is the total number of instalments.

A is the amount financed.

87

LAWS OF MALAYSIA

Act 212

HIRE PURCHASE ACT 1967

LIST OF AMENDMENTS

Amending law

Short title In force from

Act 4/1968

Act A20

Act 160

Act A332

P.U. (A) 221/1980

P.U. (A) 149/1983

Act A813

Act A1234

P.U. (A) 163/2005

Act A1384

Hire-Purchase (Amendment) Act 1968


Malaysian Currency (Ringgit) Act 1975


Hire-Purchase Order 1980

Hire-Purchase (Amendment of First
Schedule) Order 1983



Hire-Purchase (Amendment of
Schedule) Order 2005

21-03-1968

28-03-1969

29-08-1975

27-02-1976

01-08-1980

01-05-1983

01-06-1992

15-04-2005

15-04-2005

15-06-2011

88

LAWS OF MALAYSIA

Act 212

HIRE PURCHASE ACT 1967

LIST OF SECTION AMENDED

Section

Long title

1
Amending authority

Act A1384

Act A332
Act A1234

In force from

15-06-2011

27-02-1976
15-04-2005
2

3

4

4A

4B

4C

4D

4E

4F

4G

5

6

Act A332
Act A813
Act A1234

Act A813

Act A813
Act A1384

Act A813
Act A1384

Act A813
Act A1384

Act A813
Act A1234

Act A813

Act A1384

Act A1384

Act A1384

Act A813
Act A1384

Act A813

27-02-1976
01-06-1992
15-04-2005

01-06-1992

01-06-1992
15-06-2011

01-06-1992
15-06-2011

01-06-1992
15-06-2011

01-06-1992
15-04-2005

01-06-1992

15-06-2011

15-06-2011

15-06-2011

01-06-1992
15-06-2011

01-06-1992

Hire-Purchase 89

Section

6A-6C

9

12

14

15

16

16A

17

17A

17B

18

19

20A

26

29

30A

31

34

36

36A-36D

37

Amending authority

Act A1234

Act A813

Act A813

Act A813
Act A1234

Act A813
Act A1234

Act A813
Act A1384

Act A813

Act A813

Act A1384

Act A1384

Act A813
Act A1234

Act A813

Act A813

Act A813

Act A813

Act A1384

Act A1384

Act A1234

Act A1384

Act A813

Act A813

In force from

15-04-2005

01-06-1992

01-06-1992

01-06-1992
15-04-2005

01-06-1992
15-04-2005

01-06-1992
15-06-2011

01-06-1992

01-06-1992

15-06-2011

15-06-2011

01-06-1992
15-04-2005

01-06-1992

01-06-1992

01-06-1992

01-06-1992

15-06-2011

15-06-2011

15-04-2005

15-06-2011

01-06-1992

01-06-1992


Section

38

39

43

43A

44

45

46

50

50A

50B

51

51A

51B

51C

51D

51E

52

53

55

55A

55B

55C
Amending authority

Act A1384

Act A813
Act A1234

Act A813

Act A813

Act A813

Act A1384

Act A1384

Act A1384

Act A1384

Act A1384

Act A1384

Act A813

Act A813
Act A1384

Act A1384

Act A1384

Act A1384

Act A813

Act A1384

Act A1384

Act A813
Act A1384

Act A1384

Act A1384
In force from

15-06-2011

01-06-1992
15-04-2005

01-06-1992

01-06-1992

01-06-1992

15-06-2011

15-06-2011

15-06-2011

15-06-2011

15-06-2011

15-06-2011

01-06-1992

01-06-1992
15-06-2011

15-06-2011

15-06-2011

15-06-2011

01-06-1992

15-06-2011

15-06-2011

01-06-1992
15-06-2011

15-06-2011

15-06-2011
Hire-Purchase 91

Section

56

56A

56B

57

57A

First Schedule

Second Schedule

Third Schedule

Fourth Schedule

Fifth Schedule

Sixth Schedule

Seventh Schedule

Amending authority

Act A813
Act A1384

Act A813

Act A1384

Act A813
Act A1384

Act A1234

P.U. (A) 221/1980
P.U. (A) 149/1983
Act A813

Act A813
P.U. (A) 163/2005

Act A813
P.U. (A) 163/2005

Act A813

Act A813
P.U. (A) 163/2005

P.U. (A) 163/2005

Act A813
In force from

01-06-1992
15-06-2011

01-06-1992

15-06-2011

01-06-1992
15-06-2011

15-04-2005

01-08-1980
01-05-1983
01-06-1992

01-06-1992
15-04-2005

01-06-1992
15-04-2005

01-06-1992

01-06-1992
15-04-2005

15-04-2005

10-06-1992

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