Financial Ombudsman Service decision DRN-6024140 involving Hartwell Finance Limited. Issue: Mis-Selling. Finance type: Fixed Sum Loan (misrepresented as PCP). Decision: Upheld. Year: 2026. Remedy: Take ownership of the car by settling the fixed sum loan agreement; Refund the advance payment of £5,427.44; Add 8% simple interest per year; Pay £200 compensation for distress.