Financial Ombudsman Service decision DRN-4180214 involving Specialist Motor Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2022. Remedy: End agreement, collect car, refund £134 deposit, reimburse £79 diagnostics, refund all payments (retaining 10% for usage), add 8% interest, pay £450 compensation, remove adverse entries.