Santander Repo – Next Steps?

QuestionsSantander Repo – Next Steps?
Kristofer Aguilera asked 4 years ago

Hello.  What should my next steps be in regards to a Santander Auto Loan Repo?



Car repo’d on Tuesday 7/26/2016

Repo payment made on Wednesday 8/3 (PA gives 15 days)

?date – went to repo agent to get vehicle. Took $ 150 fee needed to get vehicle

Vehicle was already sent to auction (after I had already made the payment to Santander)

Contacted auction (1.5 hours away from where I live) and was told I could get the vehicle but I needed to to bring the tags with me to put back on the vehicle and $ 525 before I could take it

Auction told me tags and personal items had been removed from the vehicle prior to them receiving it

I contacted the repo agent and they denied taking personal items and tags

I went back and forth with Santander, the repo agent, and the auction about the personal items and tags

On 12/7 the car was sold by the auction. 

I never received any notice that the car was going to be sold.  I was never told when I was speaking with the auction &/or Santander that the car would be sold. And I was never contacted after it had been sold.  I didn’t find out until I called on 1/3/2017

I contacted Santander and they said there was nothing they could do and they offered me a settlement for $ 2500 to cover the remaining balance owed.

This is now showing as a charge off on my credit report

So my question is what do I do now?  Contact the BBB?  Sue?  And do I go after Santander, the repo agent, and/or the auction?

Thank you in advance for any responses


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