Support with relevant provisions and cases.

4. (a) A hirer may terminate the hire purchase agreement if he becomes financially incapable. Discuss the procedure to be followed by the hirer in such a termination. (10) (b) Tora Finance has repossessed Caca's car before the expiration of 21 days from the date of the Fourth Schedule notice. Advise Tora Finance as to whether they are entitled to do so