Financial Ombudsman Service decision DRN-5652227 involving BMW Financial Services (GB) Limited. Issue: vehicle-quality. Finance type: PCP. Decision: Upheld. Year: 2024. Remedy: End the PCP agreement with nothing more to pay. Collect the car at no cost. Remove any adverse credit entries. Refund the £4,500 deposit. Refund monthly instalments from 1 August 2024. Refund hire car