Financial Ombudsman Service decision DRN-5735236 involving Zopa Bank Limited. Issue: vehicle-quality. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Accept rejection of the car and collect it at no cost to Mr A. Refund any deposit/part-exchange paid in full, adding 8% simple interest per year. Refund all monthly repayments from 28 November 2024 on