Financial Ombudsman Service decision DRN-5269136 involving CA Auto Finance UK Limited. Issue: satisfactory-quality. Finance type: PCP. Decision: Partially upheld. Year: 2025. Remedy: Advance payment refund: £1,000; Car hire costs: £1,047.22; Repair costs: £5,012.12; PCP payments from October 2024 refunded; 8% interest; Distress/inconvenience: £750