Edit, sign, and share JDF 116 Verified Complaint in Replevin. 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.Repo's Allowed: Yes, As per UCC, repossession allowed without committing a breach of the peace. Police Department must be notified upon taking possession. This complaint will describe the property that is being repossessed. Chapters 123 and 203 deal with repossession and replevin. If you've fallen behind on your auto loan payments you may be setting yourself up for repossession. In a replevin action, the plaintiff seeks the return of property, not money damages. The answer is no - because you're not in a stolen vehicle. Repossession is a civil matter - the repossessors aren't there to enforce a law.