Legal analysis: the bank has the right to tow away the car bought by mortgage. Before the loan is paid off, the ownership of the vehicle belongs to the lender. When the owner is unable to repay the loan, the lender has the right to auction or depreciate the vehicle according to the loan contract, and the proceeds are deducted from the loan owed and related expenses, and the rest is returned to the owner.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 267 The lawful property of a private person is protected by law, and it is forbidden for any organization or individual to occupy, plunder or destroy it.

Article 184 If the property of another person is infringed, the property loss shall be calculated according to the market price at the time of the loss or other reasonable methods.

"People's Republic of China (PRC) Civil Procedure Law" Article 106 * * * In the process of civil litigation, "to take compulsory measures against acts that hinder civil litigation must be decided by the people's court. Any unit or individual who illegally detains others or illegally detains others' property to recover debts shall be investigated for criminal responsibility according to law, or be detained or fined. "Although this article stipulates that illegal possession of other people's property to recover debts should be investigated for criminal responsibility according to law, or fined and detained, there is no corresponding charge in the criminal law. Therefore, if the circumstances of illegally seizing other people's property to recover debts are serious, they will often be detained and fined for obstructing civil proceedings. Even so, it can only restrain the plaintiff from suing the court. In the process of civil litigation, the parties illegally seize other people's property to recover debts.

In the course of litigation, it is extremely rare for the parties to illegally seize other people's property to recover debts, but a large number of cases of illegally and arbitrarily seizing other people's property to recover debts occur outside the litigation. In this case, the people's court can't treat it as obstruction of civil litigation, and the public security organs often let them go to the court to solve the debt disputes between the two sides, which leads to the failure to crack down on this illegal and criminal behavior in time and effectively, and condone this illegal behavior to some extent. If the perpetrator is investigated for criminal responsibility, it can not only standardize the creditor's behavior, ensure a good social and economic order, prevent the legitimate rights and interests of citizens, legal persons and other organizations from being damaged, but also effectively stop illegal acts.