We hsbc as well, my husband was laid off and they put the payments to the back of the note, our note should have been paid off December 2010. Santander took over our notes and the first thing they tell my husband is that he is delinquent. So in June of 2010 they said we owed $3, 000. My husband gave them $1, 500 in three weeks ($500) each week to catch up, we should only owe $ 1, 500.00 right?, So here we are still paying the money to them and they are saying we still owe $1, 800 dollars on the note, we are paying $585 a month every month since we paid the $1, 500 to them so figure out how much, my husband thought we had paid it off. They show up at our house to repo the truck, he calls the company and they inform him that they are charging us over $320 a month in late fees. Yep, $320 a month every month, we have always paid before the due date but are still getting charged. At this rate it will be two years before the note is paid off. It's my husbands fault for not looking at his bill and just going by what the people at Santander say on the phone, he just informed of the problem, because I wouldn't have been nearly as compliant as he was and would have investigated back in June when he made the $1, 500 dollar payment. I am now going to contact the Texas Attorney General Consumer Complaint department to see if they can investigate this company and I suggest any other person who lives in Texas do the same thing. According the the Complaint department the more complaints they have against the Company, the quicker they will start an investigation in the company and their practices.