After the owner buys the vehicle in the 4S shop, the ownership of the vehicle belongs to the owner, the bank enjoys the mortgage right as a mortgage loan, and the third-party guarantee company assumes the guarantee responsibility for the owner's debt. As the car owner fails to repay the car loan on time, as the guarantee company for the car owner's mortgage purchase, he can only exercise the right of recourse against the car owner after paying off the money owed to the bank on behalf of the car owner, and cannot seize Mr. Gao's car without authorization.
Secondly, the right of seizure belongs to compulsory measures or administrative power, and only the relevant judicial organs endowed by our law can exercise the right of compulsory seizure within the limits of authority conferred by law.
Finally, the contract signed by the owner and the guarantee company is suspected to belong to the format overlord clause if it involves towing fee, service fee and other contents.