If the loan car is unable to repay and is towed away, you can choose to call the police and be mediated by the police. You can also bring a civil lawsuit to the court where the other company is located and demand the return of the original. Although it is normal to detain the car after the deadline, sometimes it may happen that the car is not serious after the deadline, which needs to be analyzed against the contract. The car loan contract also clearly stipulates that if the borrower fails to repay it within the time limit, the bank or financial company may entrust a third party to recover the collateral. If the car loan company does not go to the court and trailer privately, then this behavior is not protected by law. If the trailer is not in accordance with the contract standard, the user can directly choose to call the police.

Lenders should establish a classified monitoring system for automobile loans according to the loan amount, regional distribution of loans, financial status of borrowers, automobile brands, mortgage guarantees and other factors, and regularly check and evaluate the risks of different types of automobile loans. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.

Because the mortgage car is overdue, the car has been towed away. The treatment method is as follows:

1, you need to bring your ID card, driving license, driving license and violation notice to the traffic police team;

2. Bring all documents to the traffic team to pay fines and drive tickets;

3. Hold a parking ticket to the parking lot to pay parking fees and towing fees;

4. After the formalities are completed and the money is paid, you can pick up the car.

If the lender engages in auto loan business in violation of the provisions of these measures, China Banking Regulatory Commission and its dispatched offices have the right to punish the lender and its related personnel in accordance with the Banking Supervision Law of the People's Republic of China. The People's Bank of China and its branches may advise the China Banking Regulatory Commission and its dispatched offices to supervise and inspect the illegal acts of lenders engaged in auto loan business.

legal ground

Measures for the administration of automobile loans

Article 27 The lender shall establish an auto loan classification monitoring system according to the loan amount, regional distribution of loans, financial status of borrowers, auto brand, mortgage guarantee and other factors. , and regularly check and evaluate different types of auto loan risks. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.