Can you change to amount due on a remittance coupon for an auto loan to the pay off amount of the loan? I actually did this with Santander. After speaking with 3 managers they insist they to not accept coupons. I did send a letter, notorized, and certified mail. They did not send back coupon. With the last manager I told him I would be forced to send a conditional acceptance and file a UCC 1 then the manager gave me the address of Santander's legal dept. Im deciding whether to just write the legal dept a letter threatening a conditional acceptance or whether to go ahead and send a conditional acceptance. Im new to this, learning as I go so respectful comments only please.
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Don't use threats. That is showing your hand of cards. I would send a CA to the manager considering that they did accept the coupons because they didn't give them back. If they "don't accept" coupons then why didn't they give them back? If you can help it i wouldn't send the CA to the legal dept. I would send the CA to the manager directly maybe the CEO also but im also somewhat new to this stuff. Im like a collage grad. All book knowledge no real world experience.
