Financial Ombudsman Service decision DRN-5794187 involving Specialist Motor Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2025. Remedy: End agreement with nothing further to pay, refund payments from 28 February 2025, refund £538 for diagnostics, £250 for distress, deduct £200 scrap value, remove adverse credit information.