There are relevant breach clauses in the performance of the contract, and the car will not drive away after one day's overdue, so it can only be enforced by the court. It is said that banks have no right to move their own cars. Because the vehicle ownership relationship is shared by the lender and the bank, and the bank also has mortgage and guarantee, it needs to be prosecuted by the court and enforced by the court.

Generally speaking, the car loan company needs to make a dunning on the repayment date, which means reminding you that it is time to repay. If they don't remind you, you can bite the bullet and ask them why they don't remind you of the repayment. It's their fault. And as far as I know, it is really unreasonable to pay late fees for overdue payment. Finally, even if there is a provision in his contract, you can go to court to sue them, because this provision was made under obviously unfair circumstances.

If the contract stipulates that the liquidated damages must be paid late, the other party has the right to sue you in court, but you can't just drive away. If the liquidated damages are too high, you can apply to the court for relief.