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. 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.This complaint form is to be used for consumer transactions. A consumer transaction is one in which a person purchases a service or product for their own home. "Making a complaint" is also called "filing a grievance. California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. Is an independent specialty finance company that provides indirect automobile financing. Insurance. (888) 93-7426. Process: Please fill out the Massage Permit Application Form and the Massage Establishment Employee List.