Can a repossession agent take a vehicle without waiting for the borrower to show proof that payments have been made?
Yes. It is perfectly legal for a repossession agent to take
possession of a vehicle when they are acting on behalf of the
lender. The repossession agency does not have the option of
allowing the borrower to retain the vehicle even though proof is
presented that payments have been rendered. Such issues are
strictly between the borrower and the lender. The lender and/or
court being the only parties that can rescind the repossession