Financial Ombudsman Service decision DRN-5570609 involving Zopa Bank Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Collect the car at no cost to Mr B. Refund any payments Mr B made after July 2024 once the car has been collected. Reimburse £276 paid for the expert report. Pay 8% simple annual interest from date of