Financial Ombudsman Service decision DRN-2359140 involving Volkswagen Financial Services (Audi Finance). Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2020. Remedy: Refund of deposit: £3,900; Refund of additional final payment: £3,750; Interest at 8% simple per year; Removal of adverse information from credit file.