Financial Ombudsman Service decision DRN-4414104 involving Creation Consumer Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End HPA, record finance as settled, collect car at no cost, refund £7,000 deposit, refund 10% of monthly payments, reimburse £1,380.09 out-of-pocket expenses, pay 8% interest on refunds, pay £250 dist