Tom buys a car from Dick's Nail Salon & Boutique - the finest used cars in BC.

The car is valued at $8000. Tom gives Dick a deposit of $2000 and agrees to Pay Dick monthly installments of $125 per month for 48 months plus an interest of 12% coming to $140 per month. The contract includes a clause that the car can be "repossessed and sold immediately on payments being overdue"

Tom pays the monthly amount for 24 months and then payments cease.

Dick comes round to Tom's house at 4:00 am one Saturday morning and sees the car parked in Tom's drive, Dick has his own key and jumps into the car and starts it, Tom sees him from the window and shouts "stop thief."

Dick drives the car to his home and locks it in his yard.

What are the implications to what Dick has done in regard to the re-possession? even if there is a contract term that states that is the case? How else could Dick recover Toms debt? how can a creditor protect his interests? Please use Canadian Law