Financial Ombudsman Service decision DRN-3861546 involving Volkswagen Financial Services. Issue: unaffordable-lending. Finance type: Hire Purchase. Decision: Upheld. Year: 2017. Remedy: Allow Mrs L to exit the hire purchase agreement at no additional cost, refund all interest and charges accrued, add 8% per year simple interest on any overpayments, pay any credit balance to Mrs L, pa