It's illegal.

My friend sold his F10 5 series for 30k, buyer took the car and supposed to sambung bayar.

After 2 installments buyer stop paying. And don't want to return the car.

My friend make pulis report, pulis say x boleh buat apa2 sebab ini kes sivil.

End up my friend kena bankrupt by bmw credit and lost the car.

to sell a car, you need settle the loan with bank. F10, if the loan still left 250k.

2nd car shop value your car at 200k. you need pay 50k extra and obviously the seller don't have enough money settle it thus 'sambung bayar'.