We purchased a vehicle and low and behold santander was the lien holder. We tried to work them after 6 payments to loan modification. At the time I spoke to a man who said you have to have 10 paymnents to get a loan modification. Then it was 15 paymnets to get a loan modification. tehn it was 31 payments to get a loan modification. then we were late they said you pay 200.00 we will put 2 payments to the back of your loan. my husband paid 382.00 so they declined our request because we were no longer late over 31 days. My husband is the only one... read full review »