Financial Ombudsman Service decision DRN-5902871 involving MotoNovo Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Amend records to show rejection in April 2025. Remove adverse entries from credit file. Refund payments from 26 September 2024 to settlement (less £774.09 from insurance payout) with 8% interest. Pay