Financial Ombudsman Service decision DRN-5868158 involving MotoNovo Finance Limited. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Refund to Mrs D any payments made under the hire purchase agreement in excess of £13,500 (the car price), with interest at 8% simple annual rate. Remove any adverse information about the hire purchase