its an essay question and i need at least 10 point in the essay. thank you

4. Jozi enters into a hire-purchase agreement with Bank Kaya (the Bank) to purchase a car with the loan from the bank. He rarely used the car so he asks Lah, a mercantile agent to sell his car. He gave possession of the car to Lah. Jozi was retrenched from his work and since 3 months ago he defaulted with the payment of installment of his car. a. If Jozi wishes to terminate the hire-purchase agreement with Bank Kaya, can he introduce any potential buyers to Bank Kaya? Support your answer with reference to the relevant section in the Hire-Purchase Act 1967. b. Has Jozi breached his obligations to Bank Kaya? Explain your answer by referring to the relevant sections in the Hire-Purchase Act 1967