mfc car repossession process. The auction dates and times are subject to change. mfc car repossession process

 
 The auction dates and times are subject to changemfc car repossession process  When a recovery company is hired to tow your vehicle away, someone has to pay for that (hint: it’s not your lender)

Commission earners - Latest 3 months payslips and latest 3 months’ stamped bank statements. See Florida Statute 537. com Senior Consumer Advice Editor Philip Reed told Credit. If you owe outstanding fees the lender can take you to a collections agency to recoup the additional fees. Apply online easily in just a few quick steps. The challenge is this: the number 1 goal of a car dealer is to sell a car; the number 2 goal of a car dealer is to sell the car at the highest possible marginFord Motor Company has applied for a patent that would enable a computer to disable a vehicle or component of a vehicle over delinquent car payments and could lead to cars self-driving themselves. in 2020, with the average repossession costing around $400-$500. GM Financial must comply with state laws, so you will likely receive written notice before one lender attempts at repossess your car. I called all day to no avail. Voluntary repossession is the act of returning your financed vehicle to the lienholder voluntarily. The car repossession process can be both scary and emotionally overwhelming. NOTICE OF DEFAULT & RIGHT TO CURE? If not, you must send it before you can proceed. A negative item will go on your credit report for every month that you miss a payment. You have to remember that car secured the loan. Code §§ 9601, 9609 ). When you borrow a car loan from a lender, the vehicle acts as security for the loan. Having a car repossessed affects your credit score. However, they must adhere to certain guidelines and restrictions during the repossession process, such as refraining from entering private buildings without permission, avoiding any breach of the peace, and. Yes, you read that right. This warrant is issued by the court and sent to the sheriff. I refused to handover the car, as I had seeked advice of the process of repossession and this hadn't been followed by MFC. The lender will give you instructions about how the car will be picked up. That said, it’s never a positive experience for the consumer or the financing company. “Repossessing a vehicle is the last step we take after exhausting all other avenues. Step 3: Obtaining a judgement. “In most cases, car loans are not assumable,” Edmunds. I refused to handover the car, as I had seeked advice of the process of repossession and this hadn't been followed by MFC. If you can, make up your payments and fees with the lender to reinstate your loan. When your car is repossessed due to late payments the lender will notify the credit bureaus of the repossession. Before your vehicle is taken, gather items from your car and store them in a safe place. Filing for either Chapter 7 or Chapter 13 can effectively stop car repossession. 00; my honest opinion is that I smell a rat because this vehicle is in immaculate condition and has done ±40 000 km with almost brand new tires, a Beats Audio system, clean interior and no damage to any lights. com. A repossession will impact your credit significantly but not forever. Offices located at 3670 Maguire Boulevard, Suite 310. At trial, you will pick a jury, cross-examine the creditor’s witnesses, and present witnesses of your own. In some states, lenders must wait until borrowers have missed 3-4 consecutivedue dates before authorizing a repo; however. Most banks will begin the repossession process after you’ve stopped making payments for 60-90 days. a. Your lender should have talked to you about what property was covered by the security interest and explained that it could be repossessed before you entered. The entire assisted-sales approval process usually takes between 7 and 10 working days. When you take out a car loan, the vehicle you buy acts as collateral to secure the loan—meaning the lender technically owns the car until you pay off the debt. Failure to pay off a deficiency balance may result. C. Because the repossession process is outlined in your loan agreement, your lender legally can repossess your car without notice or a court order. 3. If you miss a payment, the lender may contact you and ask you to catch up. [3] On 20 November 2017 the Applicant and the Respondent concluded an Instalment Sale Agreement in terms of which the Respondent purchased a 2017 Isuzu KB250 motor vehicle (“the Isuzu motor vehicle”) from the Applicant (“the Agreement”), for a purchase price of R363 575. Your rights. has applied for a patent on a technology designed to allow the auto company to repossess cars remotely if the owner fails to make payments. Here are some examples of a car repossession’s effect on credit: A repossession remains on your credit report for seven years. There isn’t a mandatory grace period for late car loan payments in California. When the loan is. Here is a list of car repossession loopholes that you can use to delay the car repossession process. In Florida, failure to pay within 30 days allows the lender to repossess your car under a process that's spelled out in Chapter 537. Summary. Finances are tight and debts are increasing now you face the threat of vehicle repossession. How an repossessed car is not such useful available Santander as receiving the entire loan amount, so the group will be willing to work with you in lots cases, as long. Filing a Chapter 7 Bankruptcy to Stop Repossession. . Your rights after repossession top After your motor vehicle has been repossessed, there are some rules the lender must. Coincidentally they took the car when I was about to pay them. [8] Eliminate. Motor Finance CorporationA copy of your valid South African identity card/document. Critical illness: Amount equal to the outstanding balance at. Someone comes to your home and takes your car away, with or without your cooperation. Only the sheriff may give effect to this warrant and repossess your goods. This means they cannot threaten you or use actual force to repossess your vehicle. Learn more about what happens when a car is repossessed. Buy from a wide range of approved dealerships. For example, refinancing can. Once completed, repossession is a fact that you cannot easily erase. Note that this post discusses voluntary surrenders regarding car. E. General Repossession Buying Information: When you’re looking to purchase a repossessed vehicle you can expect a lot of familiarity to working with a private party. Repossession is a statutory process that can have a negative effect on your credit score and future credit applications. The Ombudsman for Banking Services (OBS) has seen an increase in complaints from people alleging that their vehicles were repossessed without them signing a voluntary termination letter or being. Unlike student loans and mortgages, there are no government-backed relief programs to cover a monthly auto payment. Here is a simple process of how to buy a car at an MFC. Default: When a borrower fails to make their car loan payments on time, they enter a state of default. car repossession. Respondent contracts with “repossession forwarders” to manage repossessions of consumers’ vehicles on behalf of NMAC. It can be triggered by defaulting on the loan agreement or failure to make payments in accordance with its terms. Step 3: Verify credit life insurance or the estate’s ability to pay down the loan. Repossession, colloquially repo, is a "self-help" type of action, mainly in the United States, in which the party having right of ownership of the property in question takes the property back from the party having right of possession without invoking court proceedings. This can be a gold. The process of vehicle repossession can be costly. Families across America struggle financially due to an enduring economic, financial crisis, job losses, and inflation. The bank will do a valuation of the vehicle and then do a forced sale adjustment. I registered online uploaded my documents paid R5000 and spoke to staff who confirmed my payment but I was kicked out by the system and unable to log back on. For help with Solar-energy finance applications please contact us on 0860 111 159 or email us on PVSolar@mfc. problem with a repossession. Firstly, a vehicle purchased on a hire-purchase basis makes the buyer the hirer and the financial institution the owner. Car repossession is the legal process by which a creditor or lender can take back possession of a vehicle from a borrower who has failed to pay for a car loan or lease agreement. Other times, the reason isn't so obvious. When a lender decides to repossess your vehicle, your only option is to negotiate a plan to bring the payments back up to date or. lender offers you the amount to purchase the car. 6601 Ritchie Highway, N. You must comply with the court order or you can be fined. Repossession agents cannot cause damage to property to. If you’re present during repossession, ask the agent if you can retrieve your personal items before your car is towed away. Mfc Repossessed Cars Repossessed units are attractive due to their low prices. There are several technologies and system improvements on the market working to make auto repossession more efficient. Finally, filing for bankruptcy can help shield your car. In other words they bury their. Right to Redeem: Illinois law provides borrowers with the right to “redeem” the vehicle by paying the full amount owed, including any repossession and storage fees, before the lender sells the vehicle. MFC & Nedbank Vehicle Repossession Auction. 5 Wrongful repossession of consumers’ vehicles Many auto servicers provide options to borrowers to avoid repossession once a loan isAuto repossession is an unfortunate situation too many Floridians face. The timing of car repossession is entirely at the whim of the creditor. In some cases, lenders can disable your car by remote control so you can’t drive it until you clear things up. Document any property damage or other harm caused by the repo agency. MFC reserves the right to remove a vehicle from the catalogue without notice. Anyone Can Grow Up to Be a Repo Man. The impact on your credit score will lessen as time passes and as you make timely payments on your other credit obligations. If you want to surrender your vehicle, then contact the bank or loan company and tell them that you cannot make payments on the vehicle anymore. Our reliable Monroe bankruptcy attorney can stop repossession and assist you through the bankruptcy process. When you finance your car with MFC, motor insurance can be arranged through Nedbank Group Insurance Brokers on 0860 104 526. The retail value should be used as a guide and is for disclosure purposes only. October 26, 2023. Call us : 011 879 9321. Car repossession is when your car is taken away as a result of outstanding payments. The lender incurs repossession and auction fees of $150. iTrader: ( 0) First time with repossession. If the debtor fails to pay after receiving such a notice, the creditor may then go on to seek a court order allowing. 182 14th Road, Noordwyk, Midrand. Neeyna recently lost her job and after paying her car instalments for five years, she still had an. When we repossess a vehicle it is a lose. Car dealers . BBB Directory of Repossession Services near Victoria, BC. co. Planning on buying a car? Easily apply for MFC vehicle finance in 5 steps. co. The auction dates and times are subject to change. Arrears payments. -Note the mileage on the vehicle. 1 Under Section 9-609 (b) of the Uniform Commercial Code (“U. Some lenders may be more aggressive than others, but the FTC does impose rules that creditors must abide by or they lose their rights. 05. If you’ve fallen behind on car payments, you may know. Vehicle Repossession. This will stop the default process and is the most efficient way to avoid. “When the registration and title are transferred to a new owner, the lender needs to be notified. You should receive this notice in the mail at least 10 days before the repossession occurs. [4] The. TTY/Hearing Impaired: 1-301-729-4563. 2. In most cases, selling your car doesn't cover the loan. The MFC spokesperson says that, once you miss three payments, the debt is handed over to the legal department and the car is repossessed. In most cases, however, the process starts with late-payment reminders followed by a letter that lets the debtor know that repossession efforts will soon begin. If you want to hold onto your car, get on the phone to your lender and see if you can work something out. These auctions are organized and run by MFC which is a division of Nedbank limited. The car repossession process: As part of the car repossession process, the bank will have to send the car owner a few notices as a reminder. If you cannot afford the car, the worst thing you can do is miss payments without reaching out to the bank. By Stephanie Lane. Repossession occurs when a lender or leasing company seizes your vehicle for nonpayment. When your car is repossessed due to late payments the lender will notify the credit bureaus of the repossession. And then the repo guys come and get the car. The lender will then step in and require a credit check to make sure. When we repossess a vehicle it is a lose-lose situation — the client loses and the bank loses,” says Jana. You will be faced with a legal fee of about R26 500 which is applied for every repossession. The car repossession process in California can happen fast and catch you off guard. if you do not agree to repossession, the creditor may apply to the court for an order requiring you to hand over your car. Some lenders are more strict than others. This factsheet explains your rights and what you can do if you are facing repossession of your car. 2015 · i had a car which was financed by mfc. And one of these rights is to take the car back or “repossess” it if you fail to make timely payments. Initiating the Process. Your creditor has the right to "repossess" -- take back your car without going to court or, in many states, without warning you. You may be responsible for the deficiency balance on the car, which is the amount you owe on the car, minus the amount the lender sells the car for, as well as additional fees. A car repossession happens when a loan on a car is delinquent. What is the repossession process? Your creditor has to send you a discretionary notice before taking action. If the debtor cannot pay, the lender may initiate the repossession process. za (MFC Dealer Direct Finance) p2pnewbus@mfc. Your car will be out of the repossession company’s view and out of their jurisdiction. ”. Ask the lender if they will disclose what auction house the use. This is the ideal option. Ford is attempting to patent car “repossession” technology that would allow the automaker to remotely lock down vehicles or shut off key features like air conditioning if the owner misses. Ask why your car was repossessed. Repossession Process. FINANCE AVAILABLE: Call Zanele and get your finance pre-approved prior to the auction so you. Part of your sale contract needs to include language that creates a security interest in the car. The borrower may object to this procedure. Your creditor is not required to give you any advance notice before repossessing your car. For this service, you repay the principal (loan amount) along with interest to the lender as fixed EMIs. Here's what typically happens after you voluntarily surrender. Plan the Repossession: Prepare for the Process. It is usually at this point that a client starts engaging with the bank. What happens after the sale of the motor. MFC will assist you in the process of purchasing from a private seller* as follows: Conduct the administration, verification and re-registration of the vehicle. According to recent statistics, there were over 1. You will then have a 21-day period to pay back the entire amount owed, including past due. Your lender doesn't want you to default on your auto loan. 3. The owner of the car may have purchased credit life insurance on the car loan. The specific terms of your loan agreement may give you a grace period, so read it carefully. You would owe a deficiency of $8,350 ($12,000 - $3,500 -. In a nonvoluntary repossession, lenders send a repossession agent to collect the vehicle, and you never know when that will happen. In a Nutshell. However, the consequences of voluntary and involuntary repossession are not the same. I resorted to applying with MFC. Forcing you to pull over if you’re driving. A car loan is a secured loan, meaning that the lender has an interest in the car until you pay it off in full. Some will tell, others won’t. If you then go past 30 days (and especially if you miss the next payment as well) – that’s where the process starts to speed up and you enter repossession, or “repo territory”. Lenders typically hire third-party repossession agents, or “repo men,” to locate the vehicle owner and take possession of the car. You should ask to see the court order. When a recovery company is hired to tow your vehicle away, someone has to pay for that (hint: it’s not your lender). A car repossession is most likely due to a strained budget that leads to missed payments. Causing you or anyone else on the scene physical harm. The present rate of repossessions are said to be between 5000 and 7000 per month nationally, between all the banks. Here are seven facts you need to know about the Texas repossession laws: 1. Work with the lender to arrange a time and place for dropping the vehicle off. 7. After the repossession, at least 10 days before the intended sale date, they must give specific written notice that the loan is in default and of the right to cure. ) Make sure to document who you meet with, their contact information, and the date and time. In conclusion, the rise in repoed cars results from the current state of the economy, job cuts, and inflation. The auction guide contains detailed information about bidding at an auction. 554 and continue on from that section of state code. Electronic Disabling Devices. LEGAL REPOSSESSION OF A CAR AS ORDERED BY A COURT. If you act quickly, Illinois repo laws can. The lender repossesses the car and sells it at auction for $3,500. What if the creditor takes my car and I have personal belongings in it? A creditor cannot keep, sell or get rid of personal belongings that are not part of the. i received a call on the 28th of August 2019 from some guy who said he has a warrant of arrest and was calling me from a. Repossession is the process of taking back a car after the owner defaults on their auto loan. -Photograph or Video the condition of your vehicle — interior and exterior. To initiate a voluntary repossession, contact your lender and tell them you’d like to surrender your vehicle. After default, lenders can hire a recovery service that can seize the vehicle. Each state has different laws and regulations that dictate every step of the repossession process from start to finish. The person repossessing a car must send a section 129 letter of demand, which sets out the outstanding amount and a return date. 3. Ford Motor Co. za Manage My Accounts Secure, free access to self-service to manage your personal and payment details , transaction history, settlements, tax certificates, cross-border letters, registration papers, statements and more. The auction process guide contains detailed information about bidding at an auction. Vehicles that Nedbank repossess are for sale to the general public at auctions. This article will describe the repossession. ps bank repossessed cars list. 2 Seven years is a long time, and since car repossession stays on your credit for that time, you want to do everything you can to avoid this kind of negative mark. za Manage My Accounts Secure, free access to self-service to manage your personal and payment details , transaction history, settlements, tax certificates, cross-border letters, registration papers, statements and more. The MFC online account management service is intended for use by individuals and account information is provided as such. o You avoid a non-voluntary repossession – when the bank needs to take a legal route and appoint external debt collectors or repossession agents to collect the vehicle. Lenders can repossess a vehicle without notice. Your MFC consultant will give you the details of the store where your vehicle is being kept. Strict. Redemption After repossession, a consumer may have the option to redeem the vehicle before it is sold by paying the entire outstanding balance of the car loan, including interest, costs, and fees. Motor Finance. Life often throws us a curve ball or we hit an unplanned bend in the road. Example: If you owe the creditor $3,000 and the car was sold for $2,000, the creditor may try to collect the remaining balance of $1,000 from you. voluntary surrender of motor vehicle description of vehicle: _____ year make model vin numberUpload or email these documents during the application process or after you complete the application. The difference though it that you’re buying it from a business who has all the leverage when it comes to lowering the price and lending their car buying expertise to the transaction. With a lease, you're essentially renting the vehicle for a period of two to four years. car repossession, despite willing to pay, 1 month arrears. You can also try to buy your car when the lender sells it, although you still will be liable to the lender for any deficiency balance. Visit MFC Auctions and browse through our latest list of repossessed vehicles awaiting a new owner. Repossession is when a lender takes back property that was used as collateral for a loan. give the. In most cases, however, the process starts with late-payment reminders followed by a letter that lets the debtor know that repossession efforts will soon begin. Accredited dealers may register or log on to the dealer-specific self-service section: Communicating with your lender is key. Registered Bank. Fill out the contact form or call us at (800) 520-4525 to schedule your free consultation. My vehicle a 2018 VW Polo Comfortline was repossessed because I fell behind with the instalments and couldn't. Finance and insurance staff are available on the auction floor and can make this onsite process a relatively easy and painless experience. Still, most lenders treat cases on a priority basis, going after second- and third-time defaulters first. Advantages Cars are up to 3 times cheaper than normal dealerships. Facebook The car repossession process can be both scary and emotionally overwhelming. Bankruptcy can help stop car repossession. The collection and/or repossession process will start with the lender contacting you for information. The most obvious but perhaps the most difficult way to get your car back is known as redemption. Notice of Default: The lender will send a formal notice to the borrower, informing them of the default and providing an opportunity to catch. Legally speaking, Florida laws allow lenders to repossess a vehicle as soon as the car owner defaults on the first payment. 3 million auto repossessions in the U. 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. i spoke to mfc about my situation- the call centre agents said i still should make payment while i am unemployed. You may initiate car repossession voluntarily if you’re unable to make car loan payments and want. Under Michigan law, the creditor has this right if, at the time of repossession, a borrower has paid less than 60 percent of the car loan. In this case, the collateral is the car itself. It was a Nedbank/Mfc repossession car. Apply online easily in just a few quick steps. Repossession companies in Illinois have to conduct repossessions without breaching the peace. Once they locate the car, a repo agent will usually wait until it’s unattended and use a tow truck to take it away. Repossession occurs when a lender or leasing company seizes your vehicle for nonpayment. Ensure payment is made to the seller or other finance house. 1. 800x600 - We are selling brand new cars specializing. Sometimes, the contract may have a provision for a grace period. A lender cannot use repossession, however, when it would result in a breach of the peace. With a lease, you're essentially renting the vehicle for a period of two to four years. Voluntary car repossession is when you arrange with the lender to return the car on your own terms, rather than. For example, the repossessor cannot take the car from a gated and secured area. I tried to call and find out why the car was repossessed with an old order and was given the runaround. 30 Days to Pay. Nedbank Repossessed Car Sales. 24. Apply to Chair Car Driver, Recovery Agent, Vehicle Spotter - Repossession and more!1 1 5 Divhani M. His/her MyKad or I/C. [email protected] right for the lender to do this is called having a security interest in your property. Manage your account on our convenient self-service channels. At no point in time can consumer rights be violated during the repossession process. Repossession process. The Car Repossession Process: 1. Repo men in Texas do not need a license to operate. Here’s how repossession works: If you have missed several payments on your vehicle, the lender can repossess your car and sell it at an auction. In some states, not. This could spare you some credit score damage, though a voluntary repo could. September 2023. The agent repossessing the vehicle on behalf of the lender cannot “breach the peace” in repossessing the car. The repossessed property transfer process is more complicated and takes longer than the standard property transfer process. VAT No. It’s a good way to buy a car at a cheaper price than you may pay at a regular dealership. 02 Feb 2022, 13:18Repo man Todd O'Connor raises a car for towing in Oneida, N. Please see our Consumer Information Note 1 for information on this issue. Carefully scrutinize your spending habits versus your income, identify. These rights will be laid out on the contract you signed when you drove the car off the lot. a. This notice should explain the situation so that you understand exactly why the lender wants to repossess your vehicle. The repossession process usually begins after you’ve missed one or more payments on your car loan. Voluntary car repossession is when you arrange with the lender to return the car on your own terms, rather than forcing. There are many factors to consider in deciding whether a voluntarily surrender is the right option. The proposed system would first alert the. 1. The auction guide contains detailed information about bidding at an auction. It allows you to verify the legitimacy of the repossession and provides a level of accountability for the agencies involved. If the car is sold, ask if you still owe money. 14,751 likes. This is called “repossession”. A car repossession attorney can help you file Chapter 13 Bankruptcy, and under the automatic stay regulations, you can have your car returned immediately. Ensure that it is original and contains a. The most common reasons for repossession are being late on monthly payments or failing to maintain car insurance. Remove all your personal. Learn more about the car repossession process below. co. If the debtor fails to pay after receiving such a notice, the creditor may then go on to seek a court order allowing. 7. A “security interest” is what creates the collateral for your loan, and what gives you the right to repossess the property. A “security interest” is what creates the collateral for your loan, and what gives you the right to repossess the property. If you are buying the car through a dealer, there will be a financial advisor on hand to help you with the application process. Repossession is a process where a lender, such as GM Financial, reclaims ownership of a car from a borrower who has failed to make payments as agreed upon in their loan contract. What constitutes reasonable is generally determined by a court and depends on the type of vehicle taken, how it was taken, and where it was taken. For example if you purchase a 2012 polo you would pay around R 120 000, We can arrange it for as little as R 40 000. Bjak would like to share some facts that you should know about car repossession: 1. It means, in the unfortunate event that you’re unable to repay the loan, the lender can repossess. You may choose to surrender your car voluntarily instead. The more popular the car (these tend to be the lower-priced models), the closer the reserve price will be to the current trade or “book” value of the car. Surrendering your vehicle and repossession are very similar in financial terms. 401 Vehicle Repossession jobs available on Indeed. Your MFC consultant will give you the details of the store where your vehicle is being kept. Contact your lender immediately and determine why your car was repossessed. Learn More Get Started Online. Property can be repossessed by the creditor or by a person hired by the creditor as long as the process does not involve a breach of the. Menu. NCRCP20. 0860 879 900 Care@mfc. 5. Threatening you, either with arrest or violence. The process of repossessing a car can be complex, and it is important to ensure that everything is done legally and safely. Here are a few of the big takeaways: Your lender can repossess your car if you don’t make payments. How To Get Your Repossessed Car Back. When a recovery company is hired to tow your vehicle away, someone has to pay for that (hint: it’s not your lender). Although they are limited, Texas laws grant you certain rights during the repossession process. You may learn more about your deceased loved one’s overall financial picture as the estate settles. Coincidentally they took the car when I was about to pay them. Lenders might send a driver to collect the car, or they may take it away with a tow truck. Although the focus of this bulletin is UDAAPs, the Bureau notes that certain provisions of the Fair Debt Collection Practices Act and its implementing Regulation F may also apply to the repossession of automobiles. Consider refinancing. You will have to go to the store and take your identity document and driving licence. AUCTION INFO AUCTION DATE: Wednesday, 19 April 2017. The auction guide contains detailed information about bidding at an auction. Under the Code, a lender may repossess a vehicle if the borrower is in default on their loan agreement. Here’s how it works. MFC refusing to make payment arrangements but repossessed the I was behind with the payments of the vehicle for three months and I was got call that they wanted to come take the car because I have not been able to honor my arrangements and now they came with the papers saying that I volunteer to give them a car back which was not true. za. As mentioned up, Santander customers report having the car repossessed bet 60 and 90 days after their latest missed payment due date. When your car or goods can be repossessed. Further, you will have peace of mind. VIEW. 2) Clean out the car. The main purpose of refinancing is to change your loan terms. [8] Go to the sale of your repossessed car and bid on it. The agent might get the vehicle from your home, your work, or wherever you leave it parked. TTY/Hearing Impaired: 1-301-729-4563. If your car is being repossessed, you can verbally object to the repossession. Understanding the licensing requirements for repossession agencies in California is a key part of protecting your rights during the repossession process. 2. When you surrender your car to the lender on your own terms, it's known as voluntary repossession. Auction Times: The repossession process often varies depending on the jurisdiction. Repossession often means that some authority — like a bank or debt collectors — gains the right to seize your possessions to satisfy a debt. Your lender might have some options to help you with this process. Vehicle repossession can happen when you are still paying off your vehicle but cannot come up with the money you owe to the bank or loan company. Hello, I had a quick question. S. If you’ve fallen behind on car payments, you may know exactly why your car was repossessed. After five business days of handing in the letter, you must return the vehicle or. Sale of Repossessed Vehicles: If the borrower does not redeem the vehicle, the lender can sell it. The loan agreement will outline how many payments you can miss before they begin the repossession process.