Thank you Steve for your wonderful advice.  The ONLY reason for using the Federal Trade Commision,the Attorney General, and others was to Bring Attention to this company.  I work for the government, which is a great paying job. Guess what? They don't like people who are honest or quiet; but it's all good. No place is 100% where you work, I get that but to be outright dishonest in your dealings is another thing. 

I already have a lawyer, since I know a few due to my position with this government agency.  Again, filing complaints with the above mentioned parties was simply about putting Santander on the map more for the public; since most don't keep up with lawsuits. When I came to this forum, there was a another guy who mentioned that Santander was involved in a ponzi scheme.

I will do research on this, just to find out if it is true or not.  Steve, you are truly a precious jewel and I appreciate you. :)

But, I do thank you so much for your advice.  I just have a concern, for people who might not be getting paid so well at their jobs; and have to deal with an evil company like this.  JESUS has really blessed me to make it through. Again, stay encouraged everyone and have a Merry Christmas!!!

Peace and Blessings,

Miss. Bana :)

   I can see what's coming!  

   If you look carefully at Robert - Irivine, it's obvious that it almost spells evil.  Robert, you're not going to fool these clever consumers that easily!!!  :-))))

Look @ the name closely! santander(satan) their address is : P.O.Box 660633 666

- Umm...one of their addresses is

P.O. Box 660633 Dallas, TX 75266-0633

- First 666 is not together and I don't know where you got the extra 666 at the end, second that is based on the Zip Code that is issued by the US Postal Service.  So if we take your logic to the next level I guess you want to say that the government is Satan also. 

Not to get off track, but I did just have to give you credit that that could be one interesting thought.  After all the White House is at 1600 Pennsylvania Avenue, so if you take out those 00's and change them to 66 you get 666 as well. 

Just wanted to say GOD Bless and keep you! I have been dealing with this evil company now for an year!! It is simply unreal how they treat you! My old loan was with Drive and everything was fine. Then all of sudden; I am getting Double Billed with triple the interest! Look @ the name closely! santander(satan) their address is :

P.O.Box 660633 666

I to have filed a complaint, with the Federal Trade Commission. I am going to file a complaint with the Attorney General here in California! Stay encouraged; cause I really believe this evil company will be shut down. Maybe we should call CNN as well, to bring more attention to this matter.

Remeber: JESUS has the last word!

Miss.Bana

Leaving your husband was a heroic thing to do - and ultimately the first step to rebuilding your life. It sounds like you have come a long way and now you are there to help others out of the same type of situation. Kudos to you!

Unfortunately, when you co-sign any contract, with anyone, a divorce does not 'cancel' the contract. The courts recognize that each and every party that signed the contract is responsible for payment of the contract. What is frustrating is that the divorce attorney's do not do a good job of explaining the continuing responsibility's after the divorce. The divorce only settles the marital estate. The property settlement agreement states where the assets and liabilities are to be placed. BUT the creditors are not party to the divorce and do not have to honor the property settlement agreement - and they never do. They go after everyone on the contract. It is basic contract law. This is why lenders get as many people on the loan as they can - so in the case of default they have recourse against each and every co-signer.

The only way out of the financing contract you signed with your now ex spouse is to refinance it while you are current in the debt. Your ex would have had to refinance it into his name alone. From your post it sounds like the car may have been repossessed. You and your ex are responsible for the payments even after the repossession. If you look at the contract you signed there is usually a paragraph stating that the parties are 'jointly and severely' responsible for the debt. That means either one can pay the entire debt or both. If you get stuck with the entire payment, the only recourse is to bring your ex to court to have him repay you 1/2 of the amount, or whatever amount the judge will reimburse you for based on the contract and the suit. The other thing you can do is speak to a bankruptcy attorney if your financial situation is too large to handle.

This is one more hurdle to handle in the wake of your divorce, but you can do it. Once the financial side is settled - each contract refinanced or otherwise paid, then you can never have to feel the effect of his creditors against you again.

Did you just make up these acronyms?

FDCA?

FDRA?

Did you mean FCRA? And FDCPA?

As far as the FCRA goes, you have the right to dispute anything on your credit report and have it removed.

As far as the FDCPA goes, that does not apply here as it ONLY applies to THIRD PARTY debt collectors, NOT any type of actual creditor.

It is unfortunate that you were a victim of abuse, but that is not relevant to the situation at hand with Santander.

As far as your credit goes, all you need to do is dispute the items with the credit bureaus and provide them with the court documents to prove you are not responsible. Done.

As far as the contract goes, you are legally responsible for any contract you sign, regardless of circumstances. Again, don't mix the legal issues. One thing has absolutely nothing to do with the other, legally.

I suggest you get some real counseling as it is obvious that you have serious mental and emotional issues that you need to deal with. Maybe some PTSD here? Deal with these issues first.

Good luck.