Financial Ombudsman Service decision DRN-4451201 involving Clydesdale Financial Services Limited. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2018. Remedy: BPF must collect the car, pay Mr S £5,545 as value of like-for-like replacement, refund £156 diagnostic and £40 recovery fees with interest, reimburse £443.35 insurance costs, and pay £500 compensatio