Drive Financial Santander --Deceptive,Outrageous,Dishonest Dallas , Texas

YOU DON'T UNDERSTAND FINANCE and the RESPONSIBILITY which comes with meeting your obligations.  I think a Class Action proceeding should be started against those who don't know what they're talking about but shoot off their mouth!

1.  Any fees for late payment are CLEARLY DEFINED and listed in the contract YOU SIGNED...if you read it.

2.  Any so-called "grace period", if there is one, is clearly defined in the contract, again if you read it.  Any fees associated with any grace period would be listed in the contract.

3.  A direct quote:..."I was never late with my payment, or at least, I 'thought'...".  You thought?  Don't you know for a fact if you were ever late?  Do you keep a written record of such things?

4.  In finance, payments are applied FIRST TO INTEREST and then to principle.  This is NORMAL and there is nothing illegal, immoral or unethical about this FACT.

5.  Your interest rate is so high because you are a sub-prime borrower.  YOU made yourself a sub-prime borrower...nobody else, but you.

6.  Incredibly, you wish to maintain this sub-prime status because of sub-prime thinking.  You want to voluntarily give up the car in what will be a repo on your credit report.  Do you think the balance you owe magically goes away because you give up the car?  Is that what you think?  Guess what...you're going to get a nice big surprise!

SHALOM