My initial car loan was started with Sovereign Bank back in 2005 then all of a sudden this year I get a letter stating that my loan was now with Santander Bank? I was very nervous hearing this at first because I had never heard of them and they aren't even based in USA. So I thought, wow, they have all of my personal info, SS#, etc. I spoke to a Customer Service Rep on 11/15/09 to cancel my EFT plan because pymts were supposed to be taken out of my acct on the 15th but never came out until the 20th, 22nd and sometimes even the 25th! So I... read full review »