Hey! Have you received the default notice before you received the termination letter? Have you been receiving your mail to the correct address? How far in arrears are you? As soon as you're two months in arrears, they automatically issue a termination letter. What's the reason you fell into arrears? As that will be a factor on whether they reinstate your finance agreement with them. I know at the moment it's a very stressful time for you, my anxiety was through the roof when this was happening to me, just try to calm down. Have you tried to call Santander? When you do, request to speak to a Manager.

Hi, I know this is an old post, however I found myself in a very similar situation to this post. If anyone needs advice on how to deal with this in the future let me know. It's a very draining, emotional process, but there is light at the end of the tunnel if you keep fighting and don't give in.