Karim bought a second hand Toyota Hilux from Jamin Baik Sdn Bhd. On 15 January 2012, he signed a hire-purchase agreement for the car with OUR Bank. The hire purchase agreement contained all the standard terms of a hire purchase agreement. Karim started paying the installments since February 2013. In October 2012, Karim met an accident and was hospitalized for 5 months. As a result of the accident, Karim who carried on his own business faced financial difficulties and failed to make three consecutive payments of the installment.