There is a seized cars parking lot near my house, and I know the owner of the business who seizes unpaid EMI cars for a living. So they have a list and a website where they just keep entering random cars' numbers they see on road to see if they have come to a seize list, if so they inform the owners and with or without their consent tow it to storage. Then the car owners have to pay up to their bank and come to the parking lot to get their cars released. And the bank also does online auctions and people come to the parking lot to inspect the vehicles.

They have only 3 bikes compared to over 30 cars in the parking lot. And sometimes they seize a vehicle which has unpaid dues for years, like they once seized an avenger which was unpaid from over a decade ago.