Shivani entered into a hire purchase agreement with EasyPay Finance Bhd for the purchase of a couch. The agreement provided for the payment of RM2000 in ten instalments. Three months later, Shivani decided to assign the couch to her neighbour. The company demanded that Shivani pay RM350 for stamp duty and registration of the hire purchase agreement in her neighbour's name. What the issue, law, application and conclusion.