drive,fin. or santander consumer very, very ,very hight intrest fort worth, Texas

Wow! People amaze me! You were more than willing to give any and all information needed to get financing. I'm sure you knew your credit was bad. The contract is in writing but obviously you failed to read it or just didn't care. I'm sure you loved Santander when the dealer handed you the keys and you drove off the lot. If you pay on time..the key word ON TIME..you will pay off the vehicle as scheduled. It's when you get behind that becomes a major problem. Your 25.99% interest rate is reflective of your bad credit...so if you have improved your credit history then refinance instead of complaining about YOUR bad decisison.

Wow! People amaze me! You were more than willing to give any and all information needed to get financing. I'm sure you knew your credit was bad. The contract is in writing but obviously you failed to read it or just didn't care. I'm sure you loved Santander when the dealer handed you the keys and you drove off the lot. If you pay on time..the key word ON TIME..you will pay off the vehicle as scheduled. It's when you get behind that becomes a major problem. Your 25.99% interest rate is reflective of your bad credit...so if you have improved your credit history then refinance instead of complaining about YOUR bad decisison.

Like you said the way "REAL AMERICANS GIT-R-DONE.  Seems funny to me that when we stand up for our rights. A-holes like the ones that respond on here "WHO PROBABLY WORK FOR THESE COMPANIES" that is the only reason I can see for anyone defending these vultures, call us scum bags, deadbeats and lowlifes.  Would they have the guts to say that to our faces?  I seriously doubt it.

And I always heard people from there were nice..

Look, it's easy to kick someone when they are down. and it is easy to tell someone to get a second job is the answer when the national unemployment rate is at all time highs and we are in the WORST recession in recorded history.

It is easy to assume someone is a deadbeat..even though they state in the report they were never late on a payment.

It is also easy to throw the rubbish around regarding contracts and "terms and conditions"..however in the USA a contract can be voided or unenforceable if certain "conditions" exist..such as are all the terms complying with the law, is there an element of unconscionability in the terms, (unconscionability has generally been recognized to include an absence of meaningful choice on the part of one of the parties together with contract terms which are unreasonably favorable to the other party), Good faith,, which is good, honest intention (even if producing unfortunate results) or belief.  This concept is important in law, especially equitable matters, good Faith, consideration, "manifestly unfair" or "unreasonable", pertaining to whether the consumer had the bargaining power to negotiate better terms etc..

Well it has nothing to do with "crying" about lawsuits, it has to do with the way we REAL Americans "git er done" when some are getting hammer bagged by greedy assholes.

At the very least, the right to complain about it and expose it without some inconsiderate, insensitive, insecure a-hole trying to turn the victim into the criminal.

You signed a contract detailing the terms.  But prior to the signing you could have read those terms and if you didn't like them, you could have NOT signed it.  Did you read the contract???

Nobody forced you into subprime status.  And nobody will force you to stay in subprime status. 

At this point you could certainly work to change things however, it seems to me you're destined to subprime eternity by your blaming them for what you put yourself into BY NOT PAYING YOUR BILLS!

Incredible!!!

I am sick and tired of people like you who think they are better than everybody else on these boards.  Bad things happen to good people, get over it.  Look at the economy the unemployment rate is still high and jobs aren't paying what they used to.  I myself had to take a 30% cut in pay just to keep the job I have, I not physically able to work a second job due to back surgery that has left me partially disabled.   I am only allowed to work so many hours a week and can only make a certain amount of money. 

i have all ready cought santander. one time not takeing the right amout of pricable out  thay  ware about 500.00 off. this is still highway robbory  darn near dubble the peice of a  car. even my cardit, cards  don"t charage that.

You are a subprime borrower and Santander a subprime lender.  Somewhere along the way, you failed to pay your bills on time which reflected negatively on your credit history.  This tells lenders you are a higher risk.  As such, they charge a higher interest rate because, as a whole, there are higher losses in subprime financing.  There is nothing illegal about this.

However, this DOES NOT need to a a continued life style for you.  You can pay your bills on time and over time your credit risk profile will improve.  If you read thru these reports you will see a subprime mindset is rampant where people continue to treat their credit obligations casually and cry or whine about class action suits etc. 

The adult accepts the FACT they are subprime.  They increase their income with a second job or working weekends in order to meet their obligations and as such demonstrate their ability to improve their financial risk.  The looser complains about the lender, takes their obligations casually and usually has a string of repos and thinks nothing of it.

I am hoping you choose the first fork in the road!