I would not argue against it being yours before reposession. But whose car is it after a legal repossession has started? I would argue that once the repossessi

I would not argue against it being yours before reposession. But whose car is it after a legal repossession has started? I would argue that once the repossession clause in the contract has been activated (criteria has been met and bank decides to exercise the right) then from that decision forwards the bank is now the owner. Possession is not 9/10 of the law if a contract says control reverts to bank under a condition that's clearly been violated. This is not a game where if just hide for X time then contracts expire. It's not a game of tag, where "it doesn't count" until a reposession has been completed "fairly". You don't need to give someone a fair chance to avoid the consequences in a contract.