VOC doesn't have any "hakmilik dituntut oleh..." stamp unlike older geran. Collected my VOC after settling last payment at the auto branch (I called them for final amount to do early settlement, then paid online).

Bank said they did e-batal dy, no need to visit JPJ.

I tried doing name transfer using mysikap, no issue to proceed. I remember when I still had loan, an error popped up.

For my 2018 car, it's using VOC instead of old grant. So no physical stamping of hakmilik dituntut.... on the hardcopy grant when I collected it from the bank.

Bank told me no need to go jpj for e-batal.

Yup, bank told me don't have to do anything, but ayam too lazy to check at JPJ office. But I acah2 tried to do ownership transfer via MySikap and there is no restriction.

I was able to proceed with the steps. Iirc, when the car loan was active, I encountered some encumbrance. Something like a caveat, if you like. Need fellow ktards with HP loan to confirm again.
But that was quite a few years back though.