Introduction

[1] The Plaintiff, who is the administratrix of her late father's estate, has a valid grievance in commencing the present action. The Plaintiff's late father, through a Sale and Purchase Agreement dated 2 March 2000 bought a house from the 1st Defendant for the sum of RM92,000.00.

[2] To partially finance the purchase, the Plaintiff's late father obtained a loan from the 2nd Defendant in the sum of RM25,000.00, with an additional RM463.00 imposed for takaful charges. The agreed repayment period was 15 years, with monthly instalments of RM245.00. By a letter dated 4 May 2018, the 2nd Defendant informed the Plaintiff's late father that the loan had been fully settled and invited him to meet with the bank to discuss the release of the original title to the house.

[3] To date, the title remained in the name