If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." While repossession does not involve a formal process in court, replevin consists of getting the court to order the consumer to return the vehicle to the lender.Creditors have a right to repossession of personal property. The process of starting a replevin action usually begins with filing a complaint. When someone takes your property wrongly and refuses to give it back, you can file a replevin action. Bond Requirement: Many jurisdictions require the plaintiff (the person seeking the return of the property) to post a bond in a replevin action. My ex BF and I have a joint car loan. The car is out for repo and is in the replevin dept. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? As long as they can get the crane-arm over your vehicle, they can lift it out.