Financial Ombudsman Service decision DRN-5715115 involving Volvo Car Financial Services UK Limited. Issue: vehicle-quality. Finance type: Conditional Sale. Decision: Upheld. Year: 2024. Remedy: End agreement ensuring no liability for rentals after collection; collect car at no cost; refund £10,500 deposit; refund £469.45 hire car; refund all monthly payments; refund insurance/road tax from O