FFS I give up. You obviously know more than me and I surrender.

Because they wouldn't be innocent purchasers. If the lender suspects collusion the "seller" and the "buyer" can end up in court.

And, by the way, the finance co can't repo from their customer at any time either. There are rules that have to be followed or they will end up in more trouble than the defaulter.

You can do your own research on the rules for that because I've passed on enough of my knowledge.