Like SO many other stories I’ve been reading, our car loan was also bought by Santander from Citi and that was a BAD, SAD, day… Our experience with Santander to date has been from ***. We are getting nowhere it seems on a car that is now upside down. We pay outrageously high payments that are sinking us and our balance does not go down. The payments are so high (over $500.00) that we keep falling behind to just keep the car, then the late fees and other “fees” keep us owing more and more… the term of the loan seems a year longer than we remember signing on for. They have little to no explanations for any of the confusion we have and just call and call and call to get more money… we feel completely trapped. They offer NO options for reduced payments, refinances (they say “they don’t do that”) or any kind of help whatever. We both (my partner and I) have been umemployed at different times while (he’s) owned the car, and are a family seriously struggling financially. We always planned to refinance this car after we learned we couldn’t pay it off with an escrow that fell through last minute. Now, we are told we have NO OPTIONS whatsoever since we are upside on it. I have payed cars off before but with this one, it’s like they don’t want you to! It’s like a never ending nightmare… stuck and sinking with Santander, the worst company I have EVER dealt with. PLEASE… we want out!!!!