I have been paying for my car on time, never late, for over 3 years. Right now, my area is snow bound. I can not afford the fees, so I mail my payments in. I requested consideration to pay by phone and have the fee waived, because I have never paid late. Guess what...no consideration. Being a good customer counts for nothing. My original loan was not even through Santander. They bought it out. go figure. When I get done with this loan, they do not have to worry about me as a customer ever again. If they buy out any other of my loans, they will have to take the car. read full review »