A long story but was my former employer who financed. Yes still finance outstanding but about 25% of financed amount. In addition have a judgement of £37k against company in question. The fundamental part of complaint was lack of warning, no documentation and personal effects never returned so effectively stolen as the vehicle simply disappeared. Santander correspondence to me about the vehicle was responded to and I was not avoiding the issue in any way. Surely regulations were flouted but please enlighten me if different. Regards.

12 months ago a vehicle which was gifted to me three years prior was repossessed as finance was outstanding. 75% of the outstanding finance was paid and the car was simply taken without warning nor any form of documentation. The vehicle had 12 months road tax and many personal effects which were never returned. Santander had the view "they can do what they like"when a manager actually spoke with me. To cut a long story short I complained to the Financial Ombudsman and after many months and much discussion they advised they could do nothing. I also complained to the FLA and got the same result. I understand they are busy but were extremely slow in response and not proactive. These people in my experience do nothing when a finance company flouts the regulations and effectively steals my possessions with no comeback whatsoever. Santander Consumer Finance should be avoided at all costs.