The term 'SEIZED AUTO, SAY' can be solved by the four-letter word 'REPO'. A repossession, or repo, is a legal process in which a lender takes back property from a borrower who has defaulted on their loan payments. This typically applies to cars, boats, and other vehicles that have been purchased with a loan. In the case of a seized auto, the lender has taken back the vehicle due to the borrower's failure to make payments.