Is it legal for the mortgage company to take over the car?

Legal analysis: the mortgage contract and mortgage registration shall prevail, and the confirmation procedures have been fulfilled in the mortgage contract and mortgage registration, and no signature is needed. The mortgagee can just go through judicial procedures.

Legal basis: Article 412 of General Principles of Civil Law of People's Republic of China (PRC) * * * If the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, resulting in the collateral being sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the collateral from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits. The fruits specified in the preceding paragraph shall be used as the expenses for collecting fruits first.