1. If the processor does not respond, it can call the consumer to complain and carry out the rights protection to the end;
2. The company that collects the deposit will negotiate with the relevant person in charge to refund it. At the same time, it is necessary to bring the deposit contract signed when handling the car loan at that time;
3. Through legal rights protection, you can ask the other party to return the deposit through legal channels such as inviting lawyers to appeal and filing lawsuits.
Paragraph 2 of Article 18 of China's General Rules for Loans stipulates that the borrower has the right to withdraw and use all the loans as agreed in the contract. If financial institutions implement the loan pre-deposit system, resulting in a decrease in the total amount of loans actually obtained by borrowers, which can not meet the urgent needs of borrowers for funds, it is an infringement on the legitimate rights of creditors.