Legal Question in Real Estate Law in Missouri

Without a lien or Written agreement that the vehicle is collateral for a laon, you appear to ahve no claim to the vehicle. To forcefully possess the vehicle, under these facts, would be theft. You coudl be charged with a crime by the state. But, if the vehciel owner sues you in civil court for the value of the vehicle, you could probably countersue for the payments you have made for them. If whatever agreement you have with the vehicle driver, you other option may be to stop paying for them, and sue them for the money you have already paid, without risking a theft charge.

Good luck