Lawful repossession, every time
Repossession is tightly regulated in Australia. Getting it wrong can void the recovery and expose lenders to claims. Repo Ya Cars builds the law into every job.
Licensed field agents
We hold a field agent licence under the Debt Collectors (Field Agents and Collection Agents) Act 2014 (Qld), administered by the Queensland Office of Fair Trading. Repossessing without a licence is an offence — every Repo Ya Cars agent is licensed and identifiable.
Default notice required
Under the National Credit Code, a borrower must generally be given a default notice with at least 30 days to remedy the default before enforcement. We confirm a valid notice has been issued and the period has expired before we attend.
The 25% / court-order threshold
A lender cannot repossess without a court order where the amount owing is less than 25% of the amount originally borrowed (or less than $10,000 on loans over $40,000). We check the balance owing on every job and flag where a court order is needed.
Entry onto property
Goods on residential premises cannot be taken without the borrower's written consent to entry, or a court order. We never force unlawful entry — protecting both the borrower's rights and your organisation from liability.
What we need from you
To keep a recovery compliant, we ask for evidence that establishes your right to repossess. Where you don't have it, we can obtain it for you.
- PPSR search confirming your security interest (or ask us to run one)
- The credit / security agreement
- A copy of the issued default notice
- The current balance owing on the account
This page is general information about how we operate and is not legal advice. Borrowers seeking advice about their rights can contact the National Debt Helpline on 1800 007 007.
Need a vehicle recovered?
Lodge an authorised repossession request online, or call our team direct. Same-day attendance across Brisbane, Ipswich, the Gold Coast and Logan.