Our success story

Vehicle Recovery and Resolution for Finance Company

The case background

A major New Zealand finance company engaged Serpenti Investigations NZ to support the recovery of a vehicle associated with a client who had defaulted on their loan obligations.

Upon initial field operations, the situation revealed unexpected complexities involving a third party who had unknowingly acquired the vehicle without knowledge of the outstanding finance obligations.

The case required sensitive handling to protect both the finance company’s interests and the rights of the uninformed new owner.

Our Objective

Secure the repossession of the financed vehicle, manage the situation respectfully with the involved third party, and facilitate an equitable resolution between the finance company and the new possessor of the vehicle.

"Serpenti Investigations demonstrated exceptional professionalism during a delicate recovery situation.
Their balanced approach ensured our asset was protected without reputational damage and helped deliver a fair outcome for all parties involved."
— Risk Manager, Finance Company
Our Approach to the case
  • Field Deployment:
    Conducted a coordinated operation involving Serpenti Investigations operatives and a contracted tow company to lawfully repossess the vehicle from the property.
  • Crisis Management on Site:
    After securing the vehicle, Serpenti operatives engaged with the returning occupant (the third-party possessor) to explain the circumstances and avoid escalation.
  • Fact-Finding and Client Advocacy:
    Determined that the individual had purchased the vehicle privately from a family member who had since left the country, without disclosing the secured financial interest.
  • Mediation Support:
    Assisted the individual in establishing direct communication with the finance company, enabling an immediate pathway to resolve the outstanding financial matters.
  • Negotiated Resolution:
    Facilitated the finance company's agreement to allow the third-party individual to satisfy the outstanding debt, thereby recovering the vehicle after repayment and avoiding further legal entanglement.
Our Results

The vehicle was lawfully repossessed without conflict, protecting the finance company's legal rights and financial position.

The third-party individual, unaware of the initial loan default, was treated respectfully and supported in retaining the vehicle by entering into an agreed payment arrangement with the finance company.

The situation was resolved amicably, preserving the reputations of both the finance company and Serpenti Investigations.

Timeframe

2 Days from Instruction

Facing a similar situation?

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