1. Contacting the Customer: Begin by reaching out to the customer to discuss the outstanding debt. Provide clear details about the amount they need to pay.

2. Bank Involvement: If the customer doesn’t respond, involve the bank. Share all relevant customer information with the bank and request the repo kit for the product or vehicle.

3. Repo Kit Discussion: Engage with the customer again, explaining the repo kit issued by the bank. Ensure they understand the consequences if they don’t address the debt.

4. Pre-Repossession Letter: If there’s still no response, issue a pre-repossession letter to the police station. This formal notice informs the authorities of the impending repossession.

5. Vehicle Tracing and Communication: Trace the vehicle’s location and continue communicating with the customer. Encourage them to pay the outstanding EMIs.

6. Repossession: If the customer remains unresponsive, proceed with repossession. Work with the police department to directly take the vehicle to the bank-suggested yard.

7. Yard Information: Gather comprehensive details about the vehicle from the yard staff, Document this information on paper.

8. Post-Repossession Letter: Provide a post-repossession letter to the police department, confirming the successful repossession.

9. Bank Documentation: Finally, submit copies of the yard information, pre-repossession letter, and post-repossession letter to the bank.