I am not familiar with Hire Purchase but I used to be working in a bank, i will try yo answer your questions

1. I presume the SA asked you to pay to the authorized dealer of Honda? if yes, then it's fine actually. best is to issue a cheque (or get a bank draft) with the payee being the name of the authorized dealer (not SA). bear in mind the amount should be nett of the discount

2. your Maybank officer not professional...  anyway, unless you are getting a variable rate Hire Purchase facility, otherwise all HP charge with flat rate, i.e. full interest for the whole loan duration will be charged UPFRONT. in other words, even if you pay off your loan faster (say, 2 years instead of 7 years loan tenure), you will loss in term of "term interest" that had already been embedded into the loan since day 1. of course bank will provide 'rebate' to you if you settle the loan earlier, but not the full amount. In any case, Maybank is not being unfair to you, this is industry practice. if you hope to save interest from paying off earlier, go for variable rate financing. if i recalled correctly, Alliance got, but bear in mind that the effective rate is higher than today's flat rate market (6% vs 4.xx%). of course you will save more PROVIDED you really pay off the loan much earlier. by the way, no worries about the terms and conditions, it is governed under Hire Purchase Act, just sign will do. it will only come after you if you defaulted in your loan payments 

my 2 cents