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In S.K. Brobbey's Article, SELLING BY INSTALMENTS: THE MEANING OF HIRE PURCHASE, CREDIT-SALE AND WORK- AND-PAY (PART II) [1970] VOL. II NO. 1 RGL 1321,

In S.K. Brobbey's Article, SELLING BY INSTALMENTS: THE MEANING OF HIRE PURCHASE, CREDIT-SALE AND WORK- AND-PAY (PART II) [1970] VOL. II NO. 1 RGL 13–21, he stipulates the existence of a new form of sale agreement characterized by installment payments; Work and Pay. 

With the aid of relevant decided cases and statutory provision, discuss the accuracy or otherwise of the above statement as it relates to the transactions involving selling by installment.

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