Financial Ombudsman Service decision DRN-5329739 involving Oodle Car Finance. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End agreement, collect car; Mr F pays £133/month for usage; deduct payments and £995 deposit from usage owed; arrange affordable repayment plan; remove adverse credit entries on full repayment