All of you should check into the class action lawsuit against Santander...would be worth joining. I have a car that I financed through Citi Financial and Santander bought it out. Not only did the balance amount change but they told me my loan is now like a credit card...impossible to pay off. I fought them though and attorney and won. Not only did I not make anymore payments, but I now have a title that the state was forced to issue for the vehical. Their accounting practices are far from law, and their collections practices are as well. In the class action lawsuit, may people have paid off their cars and have not received titles or they make the last payment and now are told they still own 2K on the vehical before they will release the title. They get away with this because their headquarters are over seas...they will tell you it is in Dallas, but we figured that one out when we filed a lawsuit. Beware of this company. If you don't believe what you are reading, check it out for yourself. Good luck everyone...wish you the best!