Financial Ombudsman Service decision DRN-4169528 involving Startline Motor Finance Limited. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2021. Remedy: End agreement with nothing further to pay. Refund all payments less £3,090 fair usage (£206/month x 15 months). Add 8% interest on overpayments. Remove adverse credit entries.