Legal analysis: mortgage is not a sale, nor does it transfer possession and ownership. So we can't say that driving the car by force is robbery or theft. If it is really unable to repay, it shall negotiate with banks or lending institutions to extend the repayment period or repay it in installments; Or you can negotiate to deal with the vehicle and change the transfer procedures after the vehicle is converted into a loan. The consequences of non-repayment of the loan are as follows: 1. If a lending institution or bank fails to perform the judgment of the court during the performance period after suing the court, it will apply to the court for enforcement. 2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law. 3. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody. 4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of the debt, and the debtor or the third party mortgages the property to the creditor without transferring the possession of the property; If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.