Financial Ombudsman Service decision DRN-4996144 involving Volkswagen Financial Services. Issue: vehicle-quality. Finance type: PCP. Decision: Upheld. Year: 2024. Remedy: Collect car at no cost, end agreement with nothing further to pay, remove adverse credit information, refund 75% of payments from January 2024, refund deposit of £4.64, 8% interest, £500 compensation.