No, believe me, vehicles getting repo'd do not amuse me, not one bit, but the stories/excuses afterward always crack me up. If arrangements had been made and the bank had received their money by the agreed upon deadline, they would not have taken the car, period. Banks lose their ass when they repo a car 9 out of ten times, they are in the money business, not the car business. They're not some spiteful asshole that just wants to screw their customers like people make them out to be, they want to make money. There's not a chance in hell that they received the full payment they were supposed to by the date they were supposed to, no way.