Financial Ombudsman Service decision DRN-4447790 involving Oasis Motor Finance Limited. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2022. Remedy: End agreement, collect car. Refund payments exceeding £2,158 fair usage (£166/month x 13 months). Arrange affordable repayment plan if balance remains. Remove adverse entries. Add 8% interest.