Financial Ombudsman Service decision DRN-5815583 involving NIIB Group. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End agreement with nothing further to pay; remove adverse info; collect car at no cost; refund £800 deposit; refund 20% of monthly rentals from inception to June 2025; refund any payments after June 2