Financial Ombudsman Service decision DRN-5167454 involving Santander Consumer Finance. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: End the agreement with nothing further to pay. Refund deposit of £3,822.27. Refund all payments from 25 July 2024 onwards. Refund £84 for diagnosis. Pay 8% simple interest on all refunds. Pay £200 for