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They don't really need to. If a bank wants to reposses your car, they will hire a repo man to do it. Licensed repo's have master keys from the car manufacturers that can get them into most cars. Do you owe to a bank or to the dealership? The dealership has a key to your car. The bank can work with the dealership in a similar way. If you owe the bank and there either is no dealership involved or the dealership cannot provide a key, they still have options- they can tow the car, obtain a key from the manufacturer, have one made, etc. They normally already have this process taken care of before the loan is granted. Until the car is paid off, it belongs to the bank or dealership. If they are not being paid on a regular basis, they will take whatever measures legally possible to reposes their property. On a similar note, when they come out to repose the car, they have already called the local authorities. This allows them to take the car whenever and from where ever.

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18y ago

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How does the repo man get a key to your car?

I am a repo-Woman. If you purchased your car from a car lot, the car lot keeps a copy to the keys in case they need to reposess the car in the future when you dont pay. The repo-person can also get a key to the car from a dealer, such as GMC, etc. Or they can have a blank key, that accesses any car. If they dont have a key, they can tow it without a key. Pay for your car and you dont have to worry about it, :O)


Breech of contract for a car - how can car be repo?

with a tow truck or a key.


Can a bank keep a copy of your car key they finance?

Yes. Banks and credit unions can keep a copy of key. This is so because if your financial institution has to repo your vehicle for any reason, they already have a copy of the car key to get it where ever the vehicle may be.


Is it legal for the repo company to break into your car once it has been repossessed without a key?

The car is not yours, it belongs to whoever got the repo company to collect it. They can decide what happens to the car, if they instruct the repo company to break into it, then that's what will happen.


You are making payments on your car but are behind. can they still repo your car?

Yes, they can. Consistent communication is the car-key to your vehicular retention.


How can you repossess a car that you sold?

If you sold a car and made a payment arrangement with somebody, it hopefully was spelled out it writing that if the buyer defaults by x number of months, or days, whatever he must surrender the car back to you and not get any money back. It must all be in writing. You must be the leinholder on the registration. Then if the buyer does default and does not surrender the car, you simply go get it. All those TV Repo shows are a bunch of hokum, staged, scripted. The bank or finance company has a key to your car. When you sold yours, hopefully you kept a key.


What year was the first car key made?

The first car key was made in 1878.


What do you do when the dealership will only give you the key to the door and not the ignition when you are trying to retrieve the car for non payment?

I imagine this is a BHPH lot. If you gave them the key at the time of repo then you should be getting that key back


When repoing a car in Florida if debtor does not give up the keys are you allowed to have a key cut?

In any state, what you do with the car AFTER the repo is up to you and the lender. Before the repo, yes, sometimes key cutting is the only way to get the car.(blocked in,cant get to it with a truck,ect) Some keys are very expensive, so make sure you really need one before you pay the money.


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Do you need a key to repossess a car?

No. There are other options available to the repo man. Most of the time they will just tow your car, no key needed. Other times they will take the car by slamming the ignition or whatever is required.When the automobile is dropped off at the lot, they will just replace the locks if no key info available.


How do you get a key made for Honda prelude without the red valet key?

The key that was made with the car is registered to the car chassi-number. VIN number, whatever.