Suri went to Kedai Mudah (KM) and was interested in purchasing a television, a

microwave oven, a washing machine and a refrigerator for her new home. However, she

did not have enough cash and the owner of KM suggested that she enters into a hire-

purchase agreement with Ciku Finance Co (CFC) which provides financial assistance.

Suri agreed and was asked to sign a hire-purchase agreement. The agreement is for all the

goods but it does not state how much she has to pay monthly, the term charges and the

number of instalments she has to pay in total. When she enquired, she was told that the

details will be filled in later and that she should just sign it first. Suri requested a copy of

the agreement to be given to her. 5 weeks have passed since she signed the agreement but

she has not received a copy. Instead, CFC asked Suri to pay for the first monthly

instalment. Suri is not sure of the validity of the hire-purchase agreement. Advise Suri.