Financial Ombudsman Service decision DRN-5863106 involving Santander Consumer Finance. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: Refund monthly rentals from February 2025 to May 2025 (period without car). Reimburse £5,364.10 for repairs. Pay £200 for distress and inconvenience. Remove adverse information from credit file. Apply