If this wasn't preceded by months of angry letters explaining when and why the security would be repossessed, then yes. Shitty. However, if the owner was made

If this wasn't preceded by months of angry letters explaining when and why the security would be repossessed, then yes. Shitty. However, if the owner was made aware that the vehicle would be reposessed, then obviously there isn't much else the lender can do. The owner has (hopefully) already dodged several opportunities to simply drop the vehicle off.