Financial Ombudsman Service decision DRN-5204397 involving Volkswagen Financial Services. Issue: unaffordable-lending. Finance type: PCP. Decision: Upheld. Year: 2024. Remedy: VFSL must calculate payments made minus £1,526.97 (fair usage for 3 months), refund overpayment, arrange affordable repayment plan for shortfall, remove adverse credit file information.