Paying off the loan is different from redemption ya.

U can pay off the loan by a call or a write in which most banks required. This part U don't need a lawyer.

U can choose not to redeem even after paying off the loan and let the bank safe keep ur docs. No lawyer required if no redemption is done.

If u hav a RM u can ask RM to send u the form best in pdf n print to sign. Some banks allow docs by email. Yes I did mine with few banks tis way so far so good.

Yes I oso stil keep.some.of my docs under banks safekeeping. Yes I did redeem some as well.

In case u wanna redeem then clear the loan first then pass the final statement to lawyer will do. They ll ask u to sign few set of.letters to commence the redemption process.

Boss u can pay for MOT and fully transfer to ur name even if u hav 101% loan.

Siudai is keeping some of the titles or docs with bank just to feel safe nia. No special intention here. 😊