Financial Ombudsman Service decision DRN-5729556 involving Santander Consumer Finance. Issue: unaffordable-lending. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: End the conditional sale agreement and arrange for the car to be collected from Mrs S at no cost to her. Refund to Mrs S the advance payment of £1,500 that she made. Pay interest at 8% simple. Calcula