Financial Ombudsman Service decision DRN-6004603 involving Lloyds Bank Plc. Issue: Mis-Selling. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End agreement and collect car at no cost; refund deposit minus any negative equity; keep repayments to end Jan 2025, refund 50% of payments from then to collection; add 8% interest; pay £375 total com