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What to Do If a Mortgaged Car Is Stolen After 3 Years of Use?

1 Answers

VanPenelope

07/29/25 12:21pm

Solutions for a mortgaged car being stolen after 3 years of use: 1. It is recommended to file a police report. If the mortgage has been registered, even if the financing company possesses the collateral (the vehicle), ownership transfer cannot be realized; 2. After reporting to the police, investigate whether the vehicle is involved in financial disputes. This situation falls under civil economic disputes and requires filing a lawsuit through the court. The police will inform you whether it falls within the scope of filing a case; 3. If the vehicle has already been stolen or taken by force but no case has been filed, you can still pursue legal action based on the agreement in hand; 4. Even if the car was purchased through a legitimate mortgage car channel, for safety and to reduce trouble, it is necessary to replace the door lock decoder, add a hidden lock, and include a steering wheel lock.

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