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This one is activated by the lending institution. There is a device that plugs into the code reader that resets it. The repo guy will have this when he goes to pick the car up. It has the GPS also so there is no hiding the car in the bushes out back or at a friends house. There is no monthly code needed if you miss your payments you're shut down. You could really have fun messing with people if you wanted to..."Okay Bill, they're 2 months behind on payments, 60 miles from home doing 70 on I95. Shut em down now"....
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