Are they allowed to drive your car during a repo have keys car?
No, repossession agents generally are not allowed to drive your car away if they don't already have the keys. While the specifics vary by state and the terms of your loan agreement, forcefully entering your vehicle and driving it away is usually considered illegal. They are usually required to tow it. If they do drive it away with your keys, it might still be considered theft depending on the circumstances. If this happens, you should contact the police immediately.