Vincent, you have every right to get your PP back. Call the lender and tell them you want it. PP is usually defined as whatever would fall out if you turn the car upside down and shake it. Anything you attach to the car stays.
In the state of New York, provided there is a legal order for repossession, once the vehicle is located, it may be secured and recovered. The repossession agency has 24 hours to notify the registered owner of the repossession, but they are only required to do so by mail, and may do so to the address of record on the registration. They do not have to notify anyone at the time of repossession other than local law enforcement of jurisdiction. They must inventory and secure any property contained in the vehicle, and may charge a storage fee for that property.
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