[roundyuk]

To be honest Santander are never going to get involved, it’s a PCP not contract hire. The contract of purchase is between you and the supplying dealer, they just funded it (which indirectly means they technically own it, but you are responsible for paying for it, you could just stop paying and let them repossess it, but then you have a bad mark).

Regarding a vehicle which has broken down, if it’s recovered to a garage that isn’t an authorised dealer and work is completed then I can see a potential issue; but if they are an authorised Volvo service agent zero problem, period.

Same goes for if you want to reject the car, it’s not an issue for Santander to get involved in, and I doubt they will. If you want to reject or get a refund this would have to be through the supplying dealer.