Financial Ombudsman Service decision DRN-5805935 involving Tandem Motor Finance Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: End agreement; Mr Z not liable for payments after collection; collect car at no cost; remove adverse credit entries; refund payments from 13 Oct 2024; add 8% interest; pay £250 compensation (Tandem al