Santander Bank US Mortgage Complaint

Santander Bank US Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Massachusetts

My husband and I had a home equity loan from Sovereign which was a second loan taken out on our home. The loan was taken out with Soverign and they became Santander. We went through a loss of our business and Chapter - bankruptcy which has been released. Originally, we had made our monthly loan payments directly through our checking account with the bank because they required that it was done that way. After we went into bankruptcy the bank we were informed by our local branch that they would no longer allow us to make payments directly through our account. They did not give us any direction as to how and where we should continue to make these loan payments. So, we brought our monthly check payment to our local branch. After a year or so, the branch stated they could no longer take the monthly loan payments directly. We spoke with the branch manager at that time and we wanted to know why this was no longer allowed. He told us he would " look into it '' and later informed us that it was because of our bankruptcy but we could drop off the check at the


on our payments or loan balances. We do not even know how much we have left to pay or even what our account number is. All of our efforts to go through the numerous different branch managers to find out what was going on have failed. We continue to make payments through the local branch office but only get a handwritten receipt from the bank teller that acknowledges our check payment ( without any account number on it ). This has become so ridiculous but we can not get a straight answer about our loan! The other problem we are encountering is that when we leave our check with the local branch, we never know when it will be cashed. Some months it is in 3-4 days and other months ( like the last - - payment ) it was not cashed for weeks. This has caused us to get into an overdraw situation with our checking account ( from another Credit union ) and we end up paying expensive overdraw fees. We need to get the information on our loan, what we owe, where we should be sending payments, and when they are due and expected to be cashed ( not to mention an account number and documentation of payments received ). Please let us know if we can get help with this.