Financial Ombudsman Service decision DRN-5601404 involving Tandem Motor Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End the agreement with nothing further to pay. Collect the car at no cost. Refund payments for period without use. Refund 30% of other payments. Apply 8% interest. Pay £300 total compensation. Remove