Financial Ombudsman Service decision DRN-5380298 involving Zuto Limited. Issue: Mis-Selling. Finance type: Hire Purchase. Decision: Upheld. Year: 2024. Remedy: Reimburse car improvement costs up to £640.13. Refund £84.21 insurance cancellation loss. Refund £249 admin fee. Apply 8% interest. Pay £150 compensation.