Financial Ombudsman Service decision DRN-5422527 involving First Response Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Rework account to show rejection 27 Aug 2024; refund monthly payments for periods without car; reimburse £358.48 water pump repairs; add 8% interest; pay £250 distress compensation; remove adverse cre