Financial Ombudsman Service decision DRN-6026406 involving First Response Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2025. Remedy: FRF must end the agreement, collect the car at no cost, keep repayments until mid-September 2025, refund payments after that, reimburse 10% of payments for impaired use, refund £300 for timing belt wo