In December 2016, Marcus purchased a car at RM 60,000 from Toyota UMW Sdn. Bhd. through a hire purchase agreement. He paid RM 20,000 down payment with 20 monthly instalments of RM2,266.67 each. After nine months of payment defaults, the car was legally repossessed and sold for RM 20,000. Find the amount of refund that she would receive from the company or the amount that of money that she would have to pay to the company.