If the mortgage company violates the law by sending a trailer at night, it can call the police after the car is towed away. During the mortgage period, the mortgaged car is still owned by the borrower, and the lending institution has no right to possess or dispose of the car. However, if the borrower can't pay off the debt at the repayment time, the lending institution can take legal proceedings, and then auction and sell the collateral to repay the loan principal and interest owed by the borrower.

If it is decided by the court, it is not illegal for a third party to collect company trailers. Because the borrower fails to repay the loan within the time limit, the lending institution may detain the trailer, but only if the court decides to transfer the vehicle disposal right to the lending institution. If you want to get your car back, you must pay off the loan before you can get your car back, or you won't get it back. Lenders have this right. Mortgage car loan itself is the transfer of creditor's rights, which is legally protected by law.

Of course, if the lending institution trailers privately, it can call the police. Some loan companies will write in the contract that "if the repayment is overdue, the company can tow the car without informing you". If there are such provisions in the contract, it does not comply with laws and regulations, and this agreement is not protected by law. The way for us to avoid this situation is to pay back in time.