This article provides information regarding titles on vehicles and whether a lien is attached or cleared. Ohio's auto repossession law says that the vehicle lender or secured party can repossess your vehicle if you are just one day late with your payment.The Ohio Revised Code doesn't require lenders to give you any notice before repossessing your car. Edit, sign, and share ohio repo affidavit online. No need to install software, just go to DocHub, and sign up instantly and for free. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. " Be sure to read them. As long as they can get the crane-arm over your vehicle, they can lift it out. Best way to keep the repo-man off your back is to kee. Notify the dealer that the loan is with PNC and that PNC should be listed as the lienholder on the title.