ON THE MONTH OF DECEMBER I SEND MY CAR PAYMENT TIMELY BEFORE THE DUE DATE 12/27/10. ON 1/8/11 I REC'D A TEL. CALL FROM SANTANDER REQUESTING MY PAYMENT FOR 12/10, THAT ACCORDING TO THEM IT WAS NEVER REC'D. I CONTACT MY PERSONAL BANK TO VERIFY THE STATUS OF MY CAR PAYMENT CHECK THEY INDICATED THAT CHECK WAS NOT CLEARED. I CONTACT SANTANDER ON THE SAME DAY 1/8/11 AND WAS INFORMED THAT NO PAYMENT WAS REC'D FOR 12/10. SANTANDER BANK CUSTOMER SERVICE EXPLAINS TO ME THAT PAYMENT WAS DUE AND MUST BE PAID OR ELSE MY ACCOUNT WILL GO INTO... read full review »