law: Hire-Purchase Act, 1972
  20. Restriction on owner's right to recover
  
  possession of goods otherwise than through court.-
  (1) Where goods have been let under a
  
  hire-purchase agreement and the statutory proportion of the hire-purchase price
  
  has been paid, whether in pursuance of the judgment of court or otherwise, or
  
  tendered by or on behalf of the hirer or any surety, the owner shall not
  
  enforce any right to recover possession of the goods from the hirer otherwise
  
  than in accordance with sub-section (3) or by suit.
  Explanation.- In this section,
  
  "statutory proportion" means.- one-half, where the hire-purchase price
  
  is less than fifteen thousand rupees and, three-fourths, where the
  
  hire-purchase price is not less than fifteen thousand rupees.
  Provided that in the case of motor vehicles as
  
  defined in the Motor Vehicles Act, 1939 (4 of 193(0, ":statutory
  
  proportion" shall mean.- one-half where the hire-purchase price is less
  
  than five thousand rupees.
  Three-fourths, where the hire-purchase price
  
  is not less than five thousand rupees but less than fifteen thousand rupees.
  Three-fourths or such higher proportion not
  
  exceeding nine-tenths as the Central Government may, by notification in the
  
  Official Gazette, specify, where the hire-purchase price is not less than
  
  fifteen thousand rupees.
  If the owner recovers possession of goods in
  
  contravention of the provisions of sub-section (1), the hire-purchase
  
  agreement, if not previously terminated, shall terminate, and - the hirer shall
  
  be released from all liability under the agreement and shall be entitled to
  
  recover from the owner all sums paid by the hirer under the agreement or under
  
  any security given by him in respect thereof, and
  The surety shall be entitled to recover from
  
  the owner all sums paid by him under the contract of guarantee or under any
  
  security given by him in respect thereof.
  Where, by virtue of the provisions of
  
  sub-section (1), the owner is precluded from enforcing a right to recover
  
  possession of goods, he may make an application for recovery of possession of
  
  the goods to any court having jurisdiction to entertain a suit for the same
  
  relief.
  The provisions of this section shall not apply
  
  in any case in which the hirer has terminated the agreement by virtue of any
  
  right vested in him.