Actually, atpollard, I got that by thinking as I would if I was one of the PCs...
Immediately upon reading the mission brief, the question popped into my head "Why will they still be there when we get there?"
Think about it: In order for us (your PCs) to find them at the reported location (which the bank and "our Noble" seem convinced we will), they will have to have stayed in virtually the same place long enough for:
1. the bank to send out queries when the ship's loan defaults (response time to learn it has not been reported lost or siezed);
2. the bank's agents to track them down (travel and response time);
3. the bank to decide not to go after them through normal repossession channels*;
4. the bank to have looked around long enough to find someone ("our Noble") willing to take the problem off their hands;
5. us to travel to wherever the ship (and the defaulting owners) are.
That is a long time, now isn't it?
Why would they still be there?
Are they stupid... or do they feel safe there?
Why do they feel safe?
Do they expect the local authorities to protect them?
If so, what problems could that cause us**?
* Did the bank decide it would be too risky and/or too difficult/costly to reposses it through normal channels?
**If the normal repo guys find it too difficult/hazardous, what does that mean for us?
See... it all comes from being properly paranoid... that's all.
