If the lender's repo man can't find it where you left it, it's time to check with the local police. If it died next to a fireplug or someplace it was creating a traffic hazard, it is probably in their impound lot now. And if it's not there, it's time to file a stolen vehicle report.
call the mortgage holder and make payment arrangements
It's best to contact your mortgage lender directly to inform them of your plan to make the payment this week. They may be able to work with you to avoid any negative consequences and help you get back on track with your payments.
i am two months behind on my mortgage. can the lender refuse to take one payment?
First off it is not your car. The car belongs to the lender until you pay for it. Legally if you miss 1 payment you are delinquent and they can start repossession proceedings on their vehicle.
If they are accepting your payments, they probably won't take your car.
Usually after 90 days. A good rule of thumb is 60 days after the first missed payment.
Typically, they will call the homeowner before the first payment is behind to remind the home owner that a payment is due. - VoyageHomeLoans
Sure it can, if that payment was not enough to fufill your end of the contract. A car wont be repossessed if it is only a month behind. If you are five months behind, and make one payment, you are still behind... even the next day, when you are only four months behind. One payment may not catch you up. When you purchased the car, the deal was, likely, that you get to drive the sellers car, (seller still owns it till the final payment is made), and the seller gets money from you at stated time intervals, likely once per month. If you broke your end of the deal, you no longer have a right to drive the car owned by someone else. Make those payments on time, then you need never worry about the repo man.
Technically they can repo your car after 30 days. Depending on the finance company
If you are a Philippine Passport holder then Yes, you can travel with less that 5 months in it since you are a Filipino citizen by law. But if you are a foreign passport holder you must have atleast 6 months of validity in it.
A bank can repossess a car at any time the loan has defaulted. Many times a bank will wait until a payment is 2 to 3 months behind before repossession.
If you made the payment, yes.