Last year I fell behind on my auto loan with Santander Consumer due to unemployment. I received the paperwork from a debt collector/law firm and after starting my new job in December I spoke with Santander's Replevin Dept. and made an arrangement where I paid $1200 that month plus my regular payment amount of $414.09 which would still leave me 2 payments behind but according to the representative so long as I paid the payment every month I'd be fine.
A month ago I received legal papers via mail again and contacted Santander to see why this was happening again with a DIFFERENT law firm and the lady said that I was supposed to pay two payments per month according to our arrangement and that it was just computerized collection anyways so long as I kept paying my payment every month there would be no further action taken.
Today, I was woke up to a pounding on the door which was the local sheriff's dept serving me with a civil summons to pay the loan in full or relinquish the vehicle. I immediately called Santander and they said there's nothing they can do even though I've not missed a payment in almost a year.
This is beyond reasoning to me if I could pay it, I would of course but I have no options that I see but to file a response and show my payment history to the judge. Any advice you guys might have for me?
A month ago I received legal papers via mail again and contacted Santander to see why this was happening again with a DIFFERENT law firm and the lady said that I was supposed to pay two payments per month according to our arrangement and that it was just computerized collection anyways so long as I kept paying my payment every month there would be no further action taken.
Today, I was woke up to a pounding on the door which was the local sheriff's dept serving me with a civil summons to pay the loan in full or relinquish the vehicle. I immediately called Santander and they said there's nothing they can do even though I've not missed a payment in almost a year.
This is beyond reasoning to me if I could pay it, I would of course but I have no options that I see but to file a response and show my payment history to the judge. Any advice you guys might have for me?