Janet received a $30,000 loan from First National Bank to purchase a new Mustang, and granted First National Bank a security interest in the Mustang. Janet has made 10 payments on the loan. After she loses her job, Janet defaults. First National Bank hires “Robbie the Repo-Man” to repossess Janet’s Mustang instead of using judicial process. Which of the following behavior(s) by Robbie would violate Article 9?

a) Robbie repossessed the car from Janet’s drive-way while she was out shopping with a friend

b) Robbie repossessed the car from Janet’s drive-way as she stood next to the car sobbing

c) Robbie repossessed the car from a parking lot at the Columbia Mall while Janet was picking up a prize that she thought she had won. (Robbie falsely called and told Janet she had won the prize)

d) Robbie repossessed the car from Janet’s friend’s drive-way during a holiday party, without the friend’s permission