Financial Ombudsman Service decision DRN-5079678 involving Close Brothers Limited. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2023. Remedy: Reimburse insurance costs and road tax (upon evidence), less any rebates. Add 8% interest on all refunds. Remove adverse credit entries. Additional payments already made (£1,560 deposit, £1,249.02 pay