It is illegal to have a car loan stolen. According to the law, the lender can only exercise the compulsory seizure right by the judicial organ or the administrative organ when the borrower is overdue. The lender driving or towing the borrower's vehicle without permission is an infringement of the borrower's legitimate property rights and should bear tort liability according to law. Because the motor vehicle registration certificate is an essential property right certificate of the vehicle, it is kept by the owner and is not carried with the vehicle. The vehicle belongs to the lender, that is to say, it does not involve the transfer of ownership, so the loan company does not own the "ownership" of the vehicle and is not allowed to drive or steal the vehicle at will.

Article 675 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall repay the loan within the agreed time limit. If there is no agreement or unclear agreement on the loan term, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time, or may urge the borrower to return it within a reasonable period.

What if the car loan is overdue and the car is driven away?

What happens when the overdue loan money is paid back first? If you really don't know that you have the repayment ability, negotiate with the lending institution to extend the repayment period or return it in installments. If the lending institution fails to execute the judgment of the court during the performance period after suing the court, it will apply to the court for compulsory execution. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law.

It is recommended to repay the arrears as soon as possible. The consequence of overdue car loan is that the car is mortgaged to the loan company because it is mortgaged in the car. Therefore, if the borrower fails to repay the loan, the lending institution can auction the borrower's car directly to repay the loan.

Extended data:

The car loan was overdue and the car was driven away. Solution:

1. advocates repaying the arrears as soon as possible, and the consequences of overdue car loans are car mortgages. Of course, the car is mortgaged to the loan company. Therefore, if the borrower fails to repay the loan, the lending institution can directly disclose the borrower's car and auction it to repay the loan;

2. Before this, the lending institution will ask the borrower to repay many times, and there will be certain interest expenses during the repayment period, which is a penalty interest, which is relatively high, and the repayment pressure of the borrower will increase during this period;

It is quite easy to get a car mortgage through a loan company every year. However, the borrower must not be lucky enough not to repay the loan. Lending companies have plenty of ways to prevent themselves from "losing money". Therefore, friends should still do what they can to prevent the phenomenon of inability to repay.

What if the car loan is overdue and the car is taken away?

What if the car loan is overdue and the car is taken away?

First of all, it's wrong for you to be overdue first. First, you should see how to deal with the overdue payment in the contract, and then negotiate with their car loan company to repay the loan. During the negotiation, you should record it, because car loan companies have many routines, and if you haven't experienced it, it's easy for them to bring it into the topic. If their liquidated damages are too high or other overlord clauses are put forward, then at this time, you should call the police first to see if the police come forward to coordinate. When you are not in the police station to coordinate, it shows that you are unintentionally overdue. Yes, and now you have to pay the balance, but the general police station will let you go to court to solve civil and economic disputes, so you have to negotiate with the people at the police station and ask them to help. If not, call the police at the gate of his company every day 1 10, and then call the mayor's hotline 12345 for feedback, and 12389 for public security complaints. If the police station fails, it can only be listed. * * The petition office has reported this matter.

Automobile mortgage, what if loans overdue takes it?

The car was towed away due to overdue repayment, so we should pay the arrears in time and pay a certain towing fee. Therefore, it is suggested to repay the loan on time as much as possible to avoid unnecessary trouble.

The car loan was overdue and was driven away. Why?

Pay back the overdue money first

What are the consequences of the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.

What if the car loan is overdue and the car is towed away by the loan company?

It is suggested to apply for loans through formal channels: for example, Agricultural Bank of China (ABC), the definition of Netjet loan refers to the small consumer loans granted by ABC to individual customers who meet certain conditions in cash, and the customers apply for them themselves, receive them quickly, automatically approve them, and use their own letters. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.

The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.

My car was taken away and my car loan was not paid back. Why?

Generally speaking, according to the contract, if you don't repay for more than 3 months in a row and the nature is bad, you may be forced to auction by the court, or freeze or dispose of other assets under your name.

Consequences of not repaying the loan:

1. Lending institutions will collect your overdue loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor, sealing up your pledged property or applying for property preservation before litigation. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.

3. If you provide false information or false materials when you borrow money, the lending institution may sue you for the crime of loan fraud. If the fraudulent loan is true, it may be sentenced for fraud.

What should I do if the car loan is overdue for two months and is taken away by the car loan company?

It is necessary to negotiate with the lending institution and pay a certain penalty. It is recommended to repay the loan on time and maintain a good credit record.

What will happen to the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

What if the car loan is overdue and the car is recycled?

If the car loan is overdue, the car will be taken back. Pay the loan quickly and then pay the late fee to get back to the car. Will affect your personal credit.

Car loan mortgage loans overdue. What if the car is driven away by the loan guarantee company?

Pay up the money! There is no way to pay off the remaining outstanding debts at one time when buying a car. This is a problem of poor money. You can only take the car out if you pay back the money.

The car is mortgaged! What if the car loan is overdue?

If you have credit cards and loans from China Merchants Bank, please repay them in full and on time before the due date. First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business; Secondly, overdue repayment will generate related expenses; Finally, long-term non-return may violate the law, and the Bank reserves the right to sue.

What should I do if the car loan is overdue?

Hello, don't overdue the loan.

What if the mortgage car is towed away because it is overdue?

Customers can contact customer service quickly, repay the loan as soon as possible, and then get the vehicle back.

If it is not clear at the moment, you can take the initiative to negotiate to extend the repayment period and repay the arrears in installments. If the extension request is approved, the vehicle should be able to return smoothly.

However, it should be noted that some lending institutions may take this opportunity to ask customers for towing fees. If there is no clear agreement in the contract, the customer does not need to pay compensation, or he can ask the other party to bear the personal losses during the period when the vehicle is towed away, and bring a civil lawsuit to the court where the institution is located, demanding the return of the original; Or directly choose to report the case to the local public security department, and the police will intervene in mediation.

And if the car is sued by the auto consumer finance company because it has not repaid, and the court forces it to be towed away, then the customer can only repay the car as soon as possible according to the court's judgment, and then get the car back.