The difficulty of repossession (where did the borrower park the car?) and sale (the used-car market is still in its infancy) meant that most of these bad loans had to be written off.
La dificultad para la recuperación (¿dónde aparcó el coche el prestatario?) y la venta (el mercado de coches usados está aun en su infancia) obligó a dar por perdidos esos préstamos impagados.