Within the past two years, we used a product from a company as a temporary solution to buy a truck. It was a high interest loan which we intended to refinance. With the current economic conditions, loss of employment etc. we were not able to refinance that loan. In addition, I have recently been deployed to Iraq. Under the Soldiers and Sailors Debt Protection Act we requested that the interest be reduced to the six percent as conditioned underneath that act. Santander has flatly refused to do so. In addition, customer service was unecessarily rude with my wife when she called to follow up on a letter that Santander felt uncompelled to answer. We have made approx. 24 payments each and every payment on time or prior to the date it was due. At some point I would think that Santander would view us as a good customer. Way to go Santander and a outstanding job backing your country.