[Repo] Meredith Sells Used Cars and Trucks

[Repo] Meredith sells used cars and trucks. She sold a used pick-up truck to Jill and a used convertible to Caleb. She properly obtained a security interest in both vehicles. Both Jill and Caleb defaulted on payments owed to Meredith for the vehicles. Meredith was under the belief that her only option was to take possession of the collateral. She decided to repossess Jill's pick-up at Jill's house. Meredith slipped into Jill's driveway after midnight and started the truck's engine. Jill immediately ran out and confronted Meredith. Meredith shoved Jill away and drove off in the pick-up truck. Meredith was able to repossess Caleb's convertible in a public parking lot with no altercation with him.
-Which statement is correct about the creation of a security interest?

A) The debtor has no actual rights to the collateral until final payment is made.
B) The secured party must give a consumer good to get the security agreement.
C) A written agreement is necessary to create a security interest.
D) To create a security interest, either a written agreement is necessary or the secured party is in possession of the collateral.
E) The secured party must be a bank.