Financial Ombudsman Service decision DRN-4692512 involving Vauxhall Finance. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2019. Remedy: Pay 5% of monthly repayments from first breakdown to reflect impaired use. Refund Sept-Oct 2021 payments when car off road without courtesy car. Refund final settlement payment or waive outstanding ba