Not upheld: satisfactory quality of goods supplied under hire purchase agreement complaint against Oodle Financial Services Limited (trading as Oodle Car Finance)

Decision detail

Summary

Miss N purchased a used car (2018 model, 84,559 miles, £10,553) under a hire purchase agreement with Oodle Car Finance in May 2025. She reported injector issues with vibration and smoke from collection, but the dealer denied problems. After the engine failed in November 2025, her mechanic performed emergency repairs to the injector seals. An independent inspection in February 2026 found the injector issue was a failed repair rather than a pre-existing fault. The ombudsman found insufficient evidence that the car was not of satisfactory quality at supply and did not uphold the complaint.

The Ombudsman's reasoning

The ombudsman applied the satisfactory quality test considering the car's age (over 6 years), mileage (84,559 miles), and price (£10,553). While Miss N reported injector issues from collection, the independent inspection report concluded the identified injector problem was a failed repair rather than a pre-existing fault present at supply. Miss N provided no documentary evidence of faults before the November 2025 diagnostic report and continued to use the car despite being advised of the problem. The ombudsman found insufficient evidence to establish the car was not of satisfactory quality at the point of supply.

How this compares

Source

Read the original decision on the Financial Ombudsman Service website