Financial Ombudsman Service decision DRN-5799235 involving Santander Consumer Finance. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2023. Remedy: Santander must refund the £6,000 deposit without mileage deduction (less the £4,329.69 already paid = £1,670.31 additional), add 8% interest, remove adverse credit entries showing settled, and pay £25