wait till i have more time. been few years i leave that industry so i have to really sit down and recall all back.
once SA called you that they have allocated a unit for u and u agree to take... RM500 gone. not only gone. u will have the responsibility to take up the remainder balance you owe the shop. once u dont sign the bank loan offer letter... u have to pay back the the shop with the agreed amount.

unless u found someone who willing to take on your behalf, but all the documentation have to redo and charges might apply.  or u take the loan and get the car now and selll later... for that u will lost the interest to bank... either way... u are makeing a loses.

unless the withdraw party are shop. then u will get full refund plus find a lawyer and claim back all the resources u spent and the mental torture u have went thru with the shops for certain numbers of $. but... u need to have proof. sms, emails or any verbal conversation record. witness which can find to support your statement. and also signed paper date and etc etc.

manufacturer will not have those services like our grand father time. no more pay once a month or once a week. no money no release car.... thats why some SA will tell u, u must pay ya d/p then only u can get the car in one week. because once u pay your d/p now. they can clear it with manufacturer and manufacturer will release the car in 1 or 2 days... that time they will have 3 days to register your card at JPJ. and pass to u. one ngam ngam 1 week