Weird cases.
But 3 months usually is preparation. 4th month only repossession.
Unless she did not paid full instalment. Example RM 900 per month only paid RM 750 or something.

No wonder.. they can simply block my account like that..

Im still surprised when ppl till this day still believe:
1. They only need to pay back how much they borrow, without considering interests and fees.
2.  They thought they got free cash from banks when banks overvalue their house and lend then more than what they needed.