Perhaps you like to elaborate more. You couldn't obtain bank loan?

Depending on which bank auction the unit. Outstanding maintenance fees, sinking fund, assessment tax, including late payment interest up is covered by the bank up until the auction date. Submit the receipt to your lawyer to claim back.

Utility bill is not covered. But for TNB you don’t have to pay the outstanding. Can changed name just like that.

Double transfer is very common now. Title issued but perfection not done. Depends on developer. But Mah Sing is well known disallowed direct transfer. This can be check before hand by contacting the developer before bidding. And other info too such as bumi lot or whether got outstanding progressive interest not paid by the ex owner bank (not fully disburse).

After the 90/120 days. You will be charged late payment interest. For double transfer cases, it is not likely you can settle within the provided timeframe unless you are cash buyer.

Good luck in your process.