Financial Ombudsman Service decision DRN-5719849 involving Lendable Ltd. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Arrange repair at no cost within reasonable time. Refund payments from 17 January 2025 pro-rata. Refund £114 diagnostics and £120 recovery costs. Apply 8% interest. Pay £100 compensation.