Firm analysis

Tesco Personal Finance PLC complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Tesco Personal Finance PLC, including outcome context, product mix, complaint themes, and representative cases.

Page summary

3,240 published decisions involving Tesco Personal Finance PLC, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

3,240

Firm-specific decision volume in the public corpus

Upheld rate

42.0%

1,361 upheld decisions

Latest published decision 18 Dec 2024

Published decisions

3,240

Firm-specific decision volume in the public corpus

Upheld rate

42.0%

1,361 upheld decisions

Leading product

Payment protection insurance (PPI)

1,084 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

307 tagged decisions

Tesco Personal Finance PLC at a glance

Tesco Personal Finance PLC appears in 3,240 published decisions in this corpus. 42.0% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 1,084 decisions and an upheld rate of 63.5%.

  • Latest active year in the published data: 2024 (227 decisions)
  • Most common complaint theme: Non-disclosure Or Misrepresentation
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Tesco Personal Finance PLC's decision trail runs from 2013 to 2024. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Tesco Personal Finance PLC appeared in 227 published decisions with an upheld rate of 36.1%.

  • 2024: 227 decisions, 36.1% upheld
  • 2023: 222 decisions, 35.1% upheld
  • 2022: 245 decisions, 37.5% upheld
  • 2021: 212 decisions, 32.1% upheld
  • 2020: 218 decisions, 29.4% upheld

Themes, products, and precedent signals

Non-disclosure Or Misrepresentation is the strongest complaint-theme signal tied to Tesco Personal Finance PLC in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 75 Cca, Section 140a Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Payment protection insurance (PPI): 1,084 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 75 Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-516709218 Dec 2024Not upheld

Tesco Personal Finance PLC · Banking and Payments

DRN-5167092 The complaint Ms C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) haven’t marked her credit file accurately. What happened Ms C had a credit card from Tesco. She went into bankruptcy in May 2020. Her debt to Tesco was £5,756. She was discharged from... (2 pages)

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DRN-509553517 Dec 2024Upheld

Tesco Personal Finance PLC · Banking and Payments

DRN-5095535 The complaint Mr B complains that Tesco Personal Finance PLC incorrectly defaulted his credit card account. What happened Mr B says Tesco was notified by a debt charity that he had been given “Breathing Space” from his credit card repayments, but that Tesco continued to def... (2 pages)

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DRN-482205616 Dec 2024Not upheld

Tesco Personal Finance PLC · Banking and Payments

DRN-4822056 The complaint Mr W complains that Tesco Personal Finance PLC (“TPF”) treated him unfairly when it defaulted his credit card account. What happened Mr W has a credit card account with TPF. Mr W said TPF accepted a payment plan of £1 per month as he was in financial difficulty... (2 pages)

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DRN-491877616 Dec 2024Not upheld

Tesco Personal Finance PLC · Banking and Payments

DRN-4918776 The complaint Mr S has complained Tesco Personal Finance PLC, trading as Tesco Bank, won’t refund credit card transactions he didn’t make. What happened In November 2023 Mr S was overseas with work colleagues on a holiday paid for by work. They all went out for drinks in the... (3 pages)

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DRN-510547716 Dec 2024Not upheld

Tesco Personal Finance PLC · Banking and Payments

DRN-5105477 The complaint Mr W complains that Tesco Personal Finance PLC (‘Tesco’) won’t refund the money he lost to a scam. What happened Mr W has a credit card account with Tesco. His wife is an additional card holder. In the early days of a new job, Mrs W received an email request w... (3 pages)

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