Dealers who are caught out repairing these 'cosmetic' faults under warranty without a customer complaint can be fined up to four times the cost of the work.

For improperly tampering with customer complaint information.

They are allowed to take up to 500 from the till to settle a customer complaint and to set their own prices.

It argued that it compared favourably with the wider industry, with lower arrears rates, fewer loan rollovers and low customer complaint levels.

Capacity may be reduced by relaxed voice procedure such as a delivery dispatcher giving a lengthy description of a customer complaint over the radio.