What are my rights if GMS repossesses my vehicle?

Short answer

The same rights apply against GMS Philippines as against any other financier: there is no self-help repossession in the Philippines. If you have not voluntarily surrendered the vehicle, GMS cannot lawfully seize it by force, tow it away, or immobilise it through the MCCS kill-switch to pressure you into paying — the only lawful route to recover or restrict a financed vehicle already in your possession is a court process: a replevin action under Rule 60 of the Rules of Court, enforced by a sheriff (not GMS's own agents), or foreclosure of the chattel mortgage through a public officer under Act No. 1508. Taking the vehicle by force, threat, or intimidation without a court order can be grave coercion under Article 286 of the Revised Penal Code. Where you complain about the collection conduct depends on WHO HOLDS YOUR LOAN, which is on your loan documents — not on GMS. GMS supplies the vehicle, the MCCS device and the servicing; in its publicised Philippine programmes the credit itself was extended by a partner (BPI Globe BanKO in 2016, Sumisho Motor Finance Corporation in 2024). If your lender is an SEC-licensed financing or lending company — Sumisho Motor Finance holds Certificate of Authority No. 1007 — complain to the SEC under RA 11765 and SEC MC 18 s.2019. If your lender is a bank, including BPI Direct BanKo (which absorbed BPI Globe BanKO), the regulator is the BSP, not the SEC. Name GMS in that complaint either way: RA 11765 section 13 makes a financial service provider solidarily liable for the acts of its agents and third-party service providers, expressly including debt collection.