There are only two things that give a loan company the right to repossess a vehicle: missing payments and allowing the insurance to lapse. In California, a vehicle can be repossessed if the borrower fails to meet their loan obligations or fails to make insurance payments.In this article, I am going to explain what those situations are, the laws that regulate this area, and what you can do about a wrongful repossession. I was served a civil summons for a past car that was repossessed. What can they legally get from me? To file a claim for benefits on credit insurance, ask your lender for a claim form and instructions on how to complete. DEBTOR. Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. BBB Directory of Repossession Services near San Jose, CA. BBB Start with Trust ®. Supervisory committee.