IF you can prove any "promise", call a local attorney for state specific advice. Chances are very good that they can repo as long as you are in DEFAULT.
If the finance company has been paid in full, then why would the dealership (or the finance company) want to repossess your car? If the loan hasn't been repaid and is long overdue, then the dealer and finance company will probably decide who actually repossesses the car. Either way, it's up to them, not you. Best thing to do is check the fine print in your loan agreement (which you signed when you bought the car) and see what it says about overdue payments, repossession, etc. If you've lost it, call your dealer and ask for a copy.
The process for purchasing a car when the finance company holds the title could vary according to where you live. In this particular state, the finance company has the right to approve or disapprove the sale if you are not paying off the loan or refinancing with another company. It also retains the right to repossess the car if you move out of state. I have no idea concerning the laws of other states or countries. So, if you live in this state and wish to continue financing with the same finance company, you will need the approval of both the seller and the finance company. The finance company will provide the appropriate forms for a fee. Next, you take those forms to the seller and get him to sign. You pay him the agreed amount. Then you take those forms to the department of motor vehicles and pay their fees.
If you are up to date with your repayments then the finance company are unable to repossess your vehicle. If you have defaulted on your payments then they are able to repossess the car, the number of missed repayments which qualifies for repossession will be stipulated on the agreement you signed when you first purchased the vehicle.
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