Financial Ombudsman Service decision DRN-5902914 involving Hyundai Capital UK Limited. Issue: Mis-Selling. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: Recalculate the third agreement as if Hyundai only advanced £1,773.29. If Mr R overpaid, refund surplus with 8% interest. Pay £150 compensation for distress and inconvenience within 28 days.