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None. Hello my name is XXXX, my husband and I have a XXXX that we financed through SANTANDER CONSUMER USA. We got this truck back in XXXX. In XXXX I became ill and had to stop working leaving all the bills on my husband. On XX/XX/XXXX the truck was repossessed. Santander gave us ten days to get it back and get it back in good standing. This past XXXX XXXX my husband and I where trying to get a house only to find out that they had charge this loan off as a bad depth after we paid to get the truck back. Since then we have nweot been able to make any major purchases because of this. The truck is still in our possession and we are still making payments. This account has been charged off for two years