Another unhappy Santander HSBC transfer. I bought a car in 2005 and financed it with HSBC and they sold it a couple of times and it ended up with Santander. My loan was amortized for 72 months and that would be exactly May 2nd 2011 the final date of payoff. I had some bumps in the road and had 4 deferments which were agreed upon to place the missed payment and interest at the back of the loan. Add it on the end. So I get a nasty called saying that my loan is due because the date is up and I still owe them over $6000. My payments were $598 a month so they are basically saying that I have 10 payments to make up. What happened to the 4 and why all the money. I tried to rebuild my account with an online payment record from them, but they have locked me out of my account so I can even access my payment information or interest rate or anything. I believe that they do this to upset you and hope that you do not have the records to fall back on and you panic and pay the money. One CSA even told my wife that we had made all 72 payments and we still owed the $6000 and that was the way it is and we can't fight them. Then another CSA told us that we only had made 67 payments, but we are past due and now owe the $6000 dollars. I have asked for the documents to support all of this and we will see where it goes. These people are the very worst kind of financing and business people. They take your money and then when you think you have done everything right. They throw a unethical action at you and try to upset and scare you into paying them. We need oversight of these scumbags. Do not get into any business with Santander they will rob you.