Nationwide vehicle repossessions service with greater visibility and control
Equivo provides nationwide vehicle repossession services for UK lenders, covering regulated and unregulated agreements, individual assets and large-scale portfolios. Our approach combines specialist field expertise, intelligent asset identification and technology-enabled reporting to support efficient, compliant vehicle recoveries.
From first attendance through to recovery, condition reporting and destination handover, we provide clear oversight at every stage while supporting fair customer outcomes and protecting lender reputation.
VEHICLE RECOVERY PERFORMANCE AND CUSTOMER OUTCOMES
Our results, at a glance
Our vehicle recovery model combines specialist field expertise, connected technology and proportionate customer engagement to deliver measurable outcomes for lenders.
≈30,000
Consumer cases managed annually
Demonstrating the scale and experience to support individual instructions and high-volume portfolios.
Within 24 hours
Typical first attendance
Supporting prompt engagement and helping lenders progress cases without unnecessary delay.
7-9 days
Average time to full recovery
Helping lenders secure financed assets efficiently while maintaining appropriate customer safeguards.
92-95%
Success rate across defined prime accounts
Demonstrating consistently strong recovery performance across qualifying instructions.
1.7
Average visits per case
Reflecting efficient case prioritisation, asset intelligence and field deployment.
7.7%
Customers identified as vulnerable
Supporting earlier identification and appropriate customer outcomes.
Why lenders choose Equivo for vehicle repossessions
With our award winning expertise in vehicle repossessions and car repossessions, we can ensure that your case will always be in safe hands. Our commitment is to ensure that all parties involved get the best outcome, and with our strict adherence to regulatory standards, we deliver outcomes that protect both our client and the customer. Here’s why our clients trust us:
Comprehensive Expertise
We recover all types of vehicles, including cars and light commercial vehicles. Our teams manage both straightforward and complex repossessions safely and professionally.
Consumer Duty Alignment
Every case is conducted with alignment to FCA requirements and Consumer Duty. We prioritise transparency, protection and good customer outcomes. Equivo consistently exceeds regulatory standards.
Innovative Technology
Our vehicle repossessions is supported by a technology ecosystem. Body Worn Video, smart GPS routing and ANPR record every interaction, helping us to locate vehicles quickly and deliver real-time transparency.
High Success Rates
Repossession attendance typically occurs within 24 hours, with full recovery in 7–9 days. Prime accounts achieve 92–95% success rates.
Maximising Returns
We optimise resale value and minimise shortfalls to deliver better outcomes for lenders and customers. This reduces shortfalls while supporting good outcomes.
Protecting Reputation
We handle vehicle repossessions professionally to safeguard client brand reputation and engage positively with customers wherever possible.
Technology-enabled vehicle repossessions
Equivo combines specialist field expertise with connected technology to improve asset identification, strengthen evidence and give lenders clearer visibility throughout vehicle repossessions.
ANPR-equipped fleet
ANPR and vehicle intelligence support accurate asset identification, smarter field deployment and more efficient recovery activity.
Body-worn video
Body-worn video creates an auditable record of field activity, supporting transparency, compliance and protection for lenders and customers.
CollectPortal
The Collect Portal gives lenders secure access to case updates, documents and outcomes throughout the vehicle repossession process.
VulneraTrack™
VulneraTrack™ helps identify vulnerable customers earlier and supports proportionate engagement throughout the recovery process.
Supporting vulnerable customers during vehicle repossessions
Equivo takes vulnerable customers seriously, ensuring fair, safe and compliant handling across all vehicle repossessions.
- Tailored Action Plans: VulneraTrack identifies vulnerabilities and guides appropriate engagement.
- Compliance-Focused: All interactions follow FCA and Consumer Duty guidelines.
- Positive Outcomes: 7.7% of customers are proactively identified as vulnerable, and most achieve a positive outcome with no extra visits required.
Supporting vulnerable customers is a core part of our approach and a key reason why we are one of the best vehicle repossession companies in the UK. Learn more about how we support customers in financial difficulty in our article: 5 Effective Ways Equivo Supports Vulnerable Customers.
Vehicle repossession FAQs
How do I initiate the vehicle repossession process?
Clients provide the contract and borrower details along with account history. Equivo then manages repossession promptly ensuring full legal compliance.
What happens during repossession?
Field officers carry out repossessions professionally and ethically. If the customer can pay arrears payment can be arranged on site. Otherwise the vehicle is secured appraised and delivered to a remarketing site with a digital condition report.
How long does the vehicle repossessions process take?
Initial attendance usually occurs within 24 hours. The full process typically takes 7–9 days. Clients are updated throughout and can track progress online.
How are vehicle repossession fees calculated?
Fees are transparent often on a ‘no-find no-fee’ basis covering insurance tracing field visits and reporting. Final costs depend on vehicle type location and additional requirements.
What happens if there is a shortfall?
If sale proceeds do not cover the debt the creditor may pursue the remaining balance via payment arrangements or court action. Equivo ensures the process is professional and fully compliant.
What makes Equivo one of the best vehicle repossession companies?
Our high success rates (92–95% on prime accounts) rapid first attendances within 24 hours and end-to-end digital transparency make us a top choice. We use cloud-based systems, Body Worn Video, ANPR technology and a proprietary vulnerable customer platform, VulneraTrack, to manage all cases safely and efficiently.
Are Equivo vehicle repossession services regulated?
Yes. We handle both regulated and unregulated agreements in line with FCA requirements and Consumer Duty. Every repossession is carried out with full legal compliance and professional oversight.
How does Equivo ensure compliance with Consumer Duty?
All repossessions are conducted in line with FCA and Consumer Duty requirements. Our proprietary systems, training, and processes ensure every case is fully compliant. Learn more in our Consumer Duty compliance guide.
Can Equivo handle electric vehicle (EV) repossessions?
Yes. Equivo has the expertise, technology, and safety protocols to repossess electric vehicles efficiently and securely. Our teams are trained to manage battery handling, charging considerations and EV-specific safety requirements, while maintaining compliance and protecting both lender and customer interests.
Get In Touch About Vehicle Repossessions
For trusted expertise in vehicle repossessions, get in touch with our Client Services team today.
Award Winning Service
Technology Powered
Unrivalled Transparency
Exceptional Results