In general, a writ of repossession is a court order that allows the lender to take possession of the vehicle if the borrower defaults on the loan. However, in some jurisdictions, lenders may be able to repossess the vehicle without a court order if they have a security interest in the vehicle and if they follow the proper procedures.
If you are not sure whether or not you need a writ of repossession, it is best to err on the side of caution and obtain one. This will help to protect you from any legal liability.