Hello, I found a car at a dealer. I couldn’t pay it at once. The car was supposed to cost 18,000 €. I decided to pay 11,000 € and to finance the balance plus interest. It runs 36 months with a closing rate of 3,000 €. Now I have already paid instalments for a year and consider replacing the car prematurely. I have to call the Santander and request a replacement letter. Then probably the one on it. Is it necessary to terminate the credit agreement in writing? Do I then receive the letter or the car dealership? I have made the credit directly via the car dealership at Santander. But the car dealership is completely out now or? The car is then mine, since I would have paid it completely. How long does it take, according to experience, until the letter actually arrives? If I have to pay for the car, then I have to pay for it. he financing would simply run, then just book off the closing rate and then send the letter? I once heard that they can’t just do it because of the amount. If no, they will notify me that I have to pay myself? Who has experience with the Santander?