Financial Ombudsman Service decision DRN-5857551 involving Startline Motor Finance Limited. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2026. Remedy: Deposit refund with 8% simple interest; Calculate total payments made, deduct £1,290 (cap on liability), refund any overpayments with 8% interest; Remove adverse payment information from credit file.