I have had a loan for 2008 Nissan since 2011 and have paid them over 44,000 and still 7,000. They late fees and the dishonest way they apply payments to these charges has gone on for over 8 years.

I purchased a vehicle from Santander in 2015 with a payment of $399 monthly. The total price of the car was roughly $17,000. It is now 4.5 years later an I still have a balance of $15,337. As of a today I have paid a total of $17,888 towards the car but my balance is still practically the same.

When I purchased a car loan through Santander in Oct. of 2013 I had no idea they sold it to me illegally (they gave me a Zero Down deal - which went against their agreement with their contract they actually set in place). The car has since then been repossessed and now it's on my credit report. I know there were hidden fees and other things in the contract to make it impossible to ever look like I would ever be able to pay the car off by making the minimum payments (which were becoming increasingly harder to keep up...such a long story behind that).

I owe $200 less than when I purchased the vehicle in 2015