Santander are the worse loan company, I have ever had the mispleasure of dealing with. Last summer, I worked a lot of hours and had regular loans going out of my bank, I was surprised to receive a letter from santander that I have missed a couple of payments and coming up to my third payment, they are concerned when they will receive it. My partner contacted them and spoke to a lovely lady, she apologised and said there has been a glitch in the system, this fault has not been taking money out of customers accounts, not to worry, we can set up an affordable payment scheme to pay the money back, in the middle of setting up the payment scheme, the call unfortunately dropped, my partner rang back and the call was picked up by the rudest young man, he basically accused my partner of lying, he said, we do not offer payment schemes and we want the money back and we will charge you for late payments. My partner asked to speak to a manager, none was available, so we left it in the hands of this rude man to arrange a call back. We never got the call back. I wrote a letter to the complaints department. Explained the situation and informed them that we both work long hours so email contact is preferred. I recieved an email and was told that was fine and can we give them the dates and time of the calls, we did. After a month, I recieved an email that they can do nothing unless we talk over the phone. Knowing that we can't, we left it. Even though they had all the details needed. Now the fun begins.. I got contacted by DWF LAW santander debt management, I explained the situation to them and they informed me that santander do offer payment schemes, so the young man lied, they apologised but no further action was taken against the young man. Still charging me for their error. So an agreed payment scheme through DWF was set up. Three weeks ago, I lost my job, I contacted DWF to inform them of the situation and I will be starting a new job soon, can they freeze November's month and go back to normal in December, as I don't get paid for a few weeks. Out of good will. Especially at Christmas, DWF informed me, that I can pay Novembers payment anytime in December, however, they want Decembers pay on time...??? So they want 2 months payment in December, £500 at the end of December?? I contacted them because I couldn't afford the payment for one month, I was told in the beginning that if I face financial difficulties, to contact them and they will do their best to help.. Is this really DWF, SANTANDER doing their best for me? Is this really helping me? I think not.