Financial Ombudsman Service decision DRN-5805621 involving Santander Consumer Finance. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: Refund £1,025.99 for timing chain repair contribution, refund £10,162.09 for engine repair costs, refund recovery costs on receipt, refund eight monthly payments to reflect loss of use, pay 8% simple