Financial Ombudsman Service decision DRN-4565277 involving Tandem Motor Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2023. Remedy: End agreement, nothing further to pay. Refund £2,390 deposit. Refund all payments except first month. Refund tax and insurance to Dec 2023. Add 8% interest. Pay £400 compensation. Remove adverse entri