Santander Complaint

When I purchased a car loan through Santander in Oct. of 2013 I had no idea they sold it to me illegally (they gave me a Zero Down deal - which went against their agreement with their contract they actually set in place). The car has since then been repossessed and now it's on my credit report. I know there were hidden fees and other things in the contract to make it impossible to ever look like I would ever be able to pay the car off by making the minimum payments (which were becoming increasingly harder to keep up...such a long story behind that).