How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Steinlaw Your Own Question
Steinlaw, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 1811
Experience:  Consumer law attorney, author of California Debt Blog, top foreclosure attorney
Type Your Consumer Protection Law Question Here...
Steinlaw is online now
A new question is answered every 9 seconds

I have a car loan through santander consumer usa I am 5 payments

This answer was rated:

I have a car loan through santander consumer usa I am 5 payments ahead and there charging me interest each time I send a principle payment to them (marked as so), there claim is you must be 90 days ahead or must call them and make a phone payment Costing $11.00 each time, I ask for written proof of this rule on my contract, they say not a written rule, company policy. I believe there breaking the truth in lending rules. How do I stop there game.
I am sorry you are going through this.

It sounds like you may have a violation of state and federal lending laws. You need to get a copy of the loan documents and disclosures. Take them to an experienced consumer law attorney to review it. If it is as you describe, he should send a letter to the company and then file a lawsuit.

If you do not want to hire an attorney, you should talk to your state dept of Consumer Affairs and file a complaint. A complaint to the BBB and the state attorney general should be filed as well.

Good luck.
Steinlaw and other Consumer Protection Law Specialists are ready to help you

Related Consumer Protection Law Questions