Financial Ombudsman Service decision DRN-2310407 involving Santander Consumer Finance. Issue: Mis-Selling. Finance type: Fixed Sum Loan (misrepresented as PCP). Decision: Upheld. Year: 2021. Remedy: Take the car back at no cost and end the finance agreement; £250 for trouble and upset; Return all monthly repayments since November 2019; 8% simple interest per year on refunds.