{"id":2385,"date":"2012-11-14T19:32:14","date_gmt":"2012-11-14T11:32:14","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2385"},"modified":"2024-03-12T16:45:43","modified_gmt":"2024-03-12T08:45:43","slug":"hire-purchase-default-repossession-and-other-common-problems","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/hire-purchase-default-repossession-and-other-common-problems","title":{"rendered":"Hire Purchase: Default, Repossession And Other Common Problems"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-3972 alignright\" src=\"\/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808.jpg\" alt=\"shutterstock_120618808\" width=\"360\" height=\"360\" srcset=\"\/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808.jpg 400w, \/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808-150x150.jpg 150w, \/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808-300x300.jpg 300w, \/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808-50x50.jpg 50w, \/articles\/wp-content\/uploads\/2012\/11\/shutterstock_120618808-120x120.jpg 120w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/><\/p>\n<p>A Hire Purchase agreement involving vehicles principally is an agreement to rent the vehicle and also to purchase it at a later time. In a hire purchase agreement, you agree to <em>hire<\/em> the vehicle until you fully pay off what you owe.<\/p>\n<p>The glitches happen when the <em>hirer<\/em> cannot afford the instalments, which may lead to repossession. Also, keep in mind that your guarantor will be liable for your non-payments.<\/p>\n<h2>Hire Purchase \u2013 Default In Payment and Repossession<\/h2>\n<p>When you \u201cdefault\u201d on your hire purchase agreement, it means you have failed to fulfill your commitment to the bank. When this happens, the bank can repossess your car. Generally, repossession can happen when:<\/p>\n<ul>\n<li>You fail to pay for two consecutive month\u2019s payment, or when you fail to pay your last payment, and<\/li>\n<li>In the case where the hirer is deceased, a default in payment for four months gives the bank the right to take possession of the car.<\/li>\n<\/ul>\n<p>So, be prompt in your payment or you might also have to pay penalty fees. If in any case, you think you\u2019re unable to pay the instalments, a good tip is to quickly contact your bank for a solution.<\/p>\n<h3>The Procedures of A Lawful Car Repossession by the Bank<\/h3>\n<h3>Manner of Repossession<\/h3>\n<p>Sometimes there are oppressive measures taken. For example, we have all heard about \u201cthugs\u201d sent to repossess vehicles or selling off the car in a way cheaper price. Of course, legal actions can be taken if the repossession procedures are not in line with the Hire Purchase Act 1967.<\/p>\n<h3>Ethics on Repossession<\/h3>\n<p>Generally, repossession of vehicles can only be carried out by a registered repossessor. Repossessors are encouraged to adhere to the following ethics:<\/p>\n<ul>\n<li>No violence or oppressive means used to conduct the job.<\/li>\n<li>Hirer must have sufficient notice about the repossession and given time to take his belongings from the vehicle.<\/li>\n<li>The person in charge of repossession may only enter the premise with consent of the resident.<\/li>\n<\/ul>\n<h3>How to Deal with Problems Related to Repossession<\/h3>\n<p><strong>Find a purchaser.<\/strong> You may introduce a buyer who is willing to purchase the vehicle according to the price prescribed in the notice you receive after repossession.<\/p>\n<p><strong>Consult the bank<\/strong> if you are facing financial difficulties. The bank may have the discretion to revise your monthly repayments to ease your burden. However, it\u2019s not obligatory for a bank to do so.<\/p>\n<p><strong>Lodge a complaint or get advice<\/strong>. Say if you fall victim to the oppressive measures taken or if your rights have been wrongfully infringed during repossession, make a complaint to the bank you have your hire purchase agreement with. You may also complain to the Association of Hire Purchase Companies Malaysia to seek support.<\/p>\n<h3>Hire Purchase &#8211; Guarantors<\/h3>\n<p>In the case of <strong>guarantors<\/strong>, they are pretty much liable for your debt until the amount is completely paid off. Being a guarantor, he or she is tied by the hire purchase agreement like you, and is accountable to pay for your debts if you fail to do so.<\/p>\n<p><strong>Rights of a Guarantor Under a Hire Purchase Agreement<\/strong><\/p>\n<p>A guarantor has the following rights:<\/p>\n<ul>\n<li>To receive a copy of the hire purchase agreement<\/li>\n<li>To be free of any liability and indemnified against claims by the bank when the amount owed is fully paid off<\/li>\n<li>To take legal action against the hirer for breach of obligation<\/li>\n<\/ul>\n<p>Interested to sign up for a car loan or hire purchase? Check out\u00a0<a href=\"\/car-loan\">Malaysia\u2019s only variable car loan package<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Hire Purchase agreement involving vehicles principally is an agreement to rent the vehicle and also to purchase it at a later time. In a hire purchase agreement, you agree to hire the vehicle until you fully pay off what you owe. The glitches happen when the hirer cannot afford the instalments, which may lead&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/hire-purchase-default-repossession-and-other-common-problems\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":4214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[237,19],"tags":[],"class_list":["post-2385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autos","category-car-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hire Purchase \u2013 Default, Repossession and Other Common Problems<\/title>\n<meta name=\"description\" content=\"When you default on your hire purchase agreement the bank can repossess your car. 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