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Sovcit tried the coupon.
(lemmy.world)
Letter back: 
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this post was submitted on 27 Feb 2024
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I’d expect pretty much every bank would ignore nonsense IOUs and repossess the car.
Thats the very last thing they want to do. The bank wants money not cars.
But a car can be sold for money
explain how
Goods and services can be exchanged for money
But not usually the amount the person owes, which is why they'd rather keep you paying than have the car repossessed.
Its like money with extra steps!
Chase is particularly hard-assed about payments, and I'm speaking from experience paying off cars for customers who are financing through them. It will be a delightful shit show for this guy.