Financial Ombudsman Service decision DRN-4513918 involving MotoNovo Finance Limited. Issue: vehicle-quality. Finance type: PCP. Decision: Upheld. Year: 2024. Remedy: End the agreement with nothing further to pay. Arrange collection at no cost. Refund deposit, £3,128.52 for 6 months without vehicle, £240 inspection report cost, 20% of payments during courtesy car p