First of all, you need to understand the background and relevant laws of the car mortgage in the bank. Generally, when you apply for a loan from a bank to buy a car, you need to use the car's main book (proof of ownership of the vehicle) as collateral. The bank will keep the capital of your car until the loan is paid off. If you've paid off your loan, but the bank still hasn't returned the bulk of your car, here's what you can do:
1.Contact the bank: First, you should contact the lending bank to ask about the specific process and requirements for returning the car's capital. They may ask you to provide some documents or complete some formalities in order to verify that you have paid off the loan.
2.Review the contract: Check the loan contract you have with the bank for specific terms regarding the collateral and the return of the collateral. The contract usually specifies under what circumstances the bank will need to return the capital of your car.
3.Seek legal help: If you believe that the bank has not handled your car's capital in accordance with the contract or the law, you can consult a professional lawyer or legal advisor. They can provide you with legal advice and support to help you take further action.
4.File a lawsuit: If you believe that the bank's actions are in breach of contract or legal provisions, and you are unable to resolve the issue through negotiation, you may consider filing a lawsuit in court. Before filing a lawsuit, make sure you have a good understanding of the relevant laws and procedures.
Please note that the above recommendations are for reference only. When dealing with such issues, it is important to consult with a professional and follow the relevant laws and procedures.