BHPH dealers are usually their own bank for holding the notes and collecting, and skirt the financial disclosure regulations in the process and in the re-titling of repos. (Assuming the title is ever placed in the buyer's name.) Often, their floor plan is private or through major auctions, and the finance arm is a wholly-owned subsidiary of the dealership.  

This particular predatory practice is not limited to the sketchy downscale boulevard dealers, but is often found in the flashy franchised used car groups, doing high volume sales with extremely detailed buyer qualification handbooks. They've been with us for years, but the increase in the mass of low income workers who need mobility 
now make the problem more visible. 

Often, the condition of the vehicles are blamed for the repo, but it's more likely to be the burden of repayment that triggers. It's a better business model to sell the best cars the particular market will bear, setting the markup aside. These dealers are selling money, and the car is just a mechanism that recognizes a need and opens the door to a payment process. It's a lot more profitable to repo a decent vehicle if you're going to resell it. 

"Don't buy a used car until you've read this"
Daily Mail, Australia
Sept. 6, 2018
"Dealers who still sell cars with killer Takata airbags can still face fines up to $220,000 or penalties of $1.1 million."
https://www.dailymail.co.uk/news/article-6137609/Vehicles-killer-airbags-offloaded-unsuspecting-motorists.html


"Why cars with deadly airbags are still being sold"
Yahoo News

Sept. 8, 2018
 
"Not only can dealers face hefty fines over such practice, if someone is injured as a result of a faulty vehicle sold, the dealer would be liable for the accident and could face prosecution."
https://au.news.yahoo.com/cars-deadly-airbags-still-sold-062047068.html