well its the normal bank procedure they hire recovery ppl who have bank notices with them and they also inform your nearest police station b4 taking the car so that it doesnt look like a snatch,,,,
all u can do is settle with bank on there terms u can though get a stay order against auction of ur car but it can just buy u time,,,,
u could of also got a waive off in rest amount if u still had the car,,,,
ppl who know bank rules well do that they short the instalment then hide the car so when the bank ppl come to them they can make a deal of rest of bank amount,,, they dont pay the intrest on remaining amount insted gat some waive of like 10 to 30% om the remaining amount, for exemple
if ur instalment is say 10000, and is 12 month remaining,,,so taking out the interest say 20000,, the actual amount u owe bank is 100000 so u get a waive of of like 20% and u only pay 80000 insted of 120000 what was ur actual instalment plan,,,
so next time u short any instalment even 1 (some banks take car back even on 1 shortage) either pay it or hide the car,,,,,