I wish i had never used this company for anything. They came back three years after i closed the loan with them and updated my credit with BS to destroy my credit. Even after i made an agreement with them and settled by paying what we agreed too, they still screwed me over. Then, as to add insult to injury, they repo my wifes car and her payments were current. We then had to ask the blood suckers to tell the repo trash to unhook her car. No apologies, no concern, no love! NEVER EVER AGAIN. Warning to anyone and everyone!!! STAY AWAY FROM SANTANDER