My husband and I have been financing a vehicle for 5 years through Sovereign Bank which then got taken over by complete leeches Santander Bank. We were filing a Chapter 13 bankruptcy and decided to change to a Chapter 7 which we have not filed yet, We were waiting for the bank to contact us following the discharge of the 13, so after a month and a half we contacted them. My husband tried to work out an arrangement with them the best they could do was to say we could pay them 1/2 the total we owed the vehicle was almost payed off. So my husband asked if he could talk to a supervisor, she connected him, he then left a message. They never called back, 2 days later they were in our driveway to repossess our van. We immediately called them and said we were trying to pay, they pretty much could care less and we ended up having to pay them $400 plus another $140 fee to the repo company. They are vermin.

Santander is a vicious, predatory lender with no hesitation to harass and attempt to intimidate customers, including people who never wanted to be its customers, never applied to it for credit and want nothing to do with Santander.

I have an autoloan with Soverign bank which was sold to Santander. Because I pay my bills ahead of time rather than waiting until the last minute I paid the July 2009 payment to Soverign as I had for several years. I was then informed that it was to have been paid to Santander. I have provided faxed proof to Santander of the July payment to Soverign from my bank through which the payment was made, that it was made. I made my August payment to Santander on time.

Santander's call centers continue to call my home and harass my family desipte being provided bank evidence, from my bank that the loan payment was made not only on time but in advance in July. The staff is demeaning, abrupt, impolite, antagonistic and unresponsive to demands to speak with supervisors.

They have demanded we pay them and we recover the money from Soverign or else provide copies of the front and back of the check for the July Payment. Of course it was an electronic transaction between my bank and Soverign, which Santader no doubt knows so there is no "check" for there to be a front or back of...

This may be how they do business in Latin America or Europe but it is unacceptable in the US. Do not do busines with this company. Do not do business with any of its subsidiaries or any comany you know does business with Santander.

And the calls from Santander comtinue. I am bringing this to the attention of my RI State representative, to Congressman Patrick Kennedy my representative in Congress and the banking regulators in Rhode Island. Believe me I am going to fight back.