Finn excused himself to the washroom while inside the cinema. He went to the ground floor to meet Sheng, a licensed money lender. Finn masqueraded himself as Ezra and borrowed RM5000.00. He promised to repay the loan plus an agreed interest within two months. Finn then purchased a smartphone that he thought could improve the quality of his TikTok videos before returning to the cinema. He told Ezra that he ran across his ex-classmate outside, and they chatted for a while. Two months had passed, and Sheng had not received any news from Finn. He called Finn several times and texted him multiple times but received no response. Finn has also blocked Sheng's number. After two weeks, Sheng decided to pay a visit to Finn's house following the address stated on the identification documents provided by Finn. Finn was alone at home when Sheng arrived. Surprised by Sheng's presence, Finn pleaded in tears to be given one final chance, unblocked Sheng's number and asked Sheng to return within three days. Finn knew that he would be alone at home for a few more weeks as his parents were at his sick grandmother's house. When Sheng returned three days later, no one answered despite knocking on the door repeatedly. Finn also did not answer phone calls or reply to messages. Sheng returned two days later and decided to wait quietly with his two associates. Finn eventually comes out of the house to collect his order from a Foodpanda rider. That was when Sheng and the others managed to catch him. Finn cried desperately, hoping that the Foodpanda rider would stay. He told the Foodpanda rider that he was home alone and had no idea who Sheng was. Finn also begged the Foodpanda rider to film the incident so that Sheng would not dare to do anything aggressive. Sheng threatened to bring the matter to court, to which Finn mockingly replied, 'okie dokie' before returning to his house to enjoy the food he had ordered. Advise all parties concerned of the legal implications of their situations with reference to the Contracts Act 1950 and relevant cases, Analyse and answer the question following the IRAC format.