Santander Consumer USA Consumer Loan Complaint

Santander Consumer USA Consumer loan department,

Vehicle loan Taking out the loan or lease Louisiana

We purchased a - Toyota Corolla in - of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid $160.00 too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the $160.00 payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was


and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were $2100.00 behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was unwound ''. Now we are out of $5000.00 and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.