Financial Ombudsman Service decision DRN-5561047 involving Moneybarn. Issue: unaffordable-lending. Finance type: Conditional Sale. Decision: Upheld. Year: 2023. Remedy: Collect vehicle at no cost, end agreement. Refund deposit with 8% interest. Calculate payments made, retain £385/month fair usage, refund overpayments with 8% interest. If balance remains, arrange mut