Financial Ombudsman Service decision DRN-5475005 involving MI Vehicle Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Treat agreement as ended from April 2024 with nothing further to pay, refund £4,000 advance payment, refund any payments after April 2024, add 8% interest from date of payment to settlement, refund st