Firm + product analysis

Tesco Personal Finance PLC in Banking and credit

A curated public analysis of Tesco Personal Finance PLC's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

1,015 published FOS decisions involving Tesco Personal Finance PLC in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,015

Decision volume in this firm-product slice

Upheld rate

31.2%

317 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

1,015

Decision volume in this firm-product slice

Upheld rate

31.2%

317 upheld decisions

Latest active year

2021

11 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

223 tagged decisions

Tesco Personal Finance PLC in Banking and credit

Tesco Personal Finance PLC appears in 1,015 published decisions in Banking and credit across this corpus. 31.2% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 11 published decisions and an upheld rate of 54.5%.

  • Leading complaint theme: Non-disclosure Or Misrepresentation
  • Leading precedent signal: Section 75 Cca
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

Tesco Personal Finance PLC has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of Tesco Personal Finance PLC's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 11 decisions, 54.5% upheld
  • 2020: 101 decisions, 38.6% upheld
  • 2019: 160 decisions, 28.1% upheld
  • 2018: 114 decisions, 20.2% upheld
  • 2017: 142 decisions, 28.2% upheld

Themes, precedent context, and handling implications

Non-disclosure Or Misrepresentation is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Delay In Claim Handling

Representative cases

Recent published decisions in this slice

5 examples shown

DRN517887410 Sept 2021Not upheld

Tesco Personal Finance PLC · Banking and credit

Complaint Mr F complains Tesco Personal Finance PLC (“Tesco Bank”) has failed to honour a claim he brought under section 75 of the Consumer Credit Act 1974 (“CCA”). Background I issued a provisional decision on Mr F’s complaint on 6 August 2021, a copy of which is attached to and forms a p... (5 pages)

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DRN175275004 Aug 2021Not upheld

Tesco Personal Finance PLC · Banking and credit

Mr H complains that Tesco Personal Finance Plc won’t refund a payment made on his credit card to a secondary ticket selling website (“the Website”) for four tickets to a concert. background In November 2018 four tickets were purchased through the Website to attend a concert in 2019 using M... (4 pages)

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DRN864203704 Jun 2021Upheld

Tesco Personal Finance PLC · Banking and credit

Mrs C complains about Tesco Personal Finance PLC’s refusal to give her the refund she has requested. background In July 2017 Mrs C’s daughter with Mrs C’s permission used her mother’s credit card supplied by Tesco PF to book an appointment with a government body. Mrs C’s daughter thought s... (5 pages)

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DRN811841625 May 2021Not upheld

Tesco Personal Finance PLC · Banking and credit

Complaint Mr A complains Tesco Personal Finance PLC (“Tesco Bank”) turned down a claim he made under section 75 of the Consumer Credit Act 1974 (“CCA”). Background In 2010 Mr A entered into a contract for an apartment purchase in Turkey. He was introduced to the purchase by a company I’ll ... (4 pages)

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DRN158631430 Mar 2021Upheld

Tesco Personal Finance PLC · Banking and credit

Mr U is unhappy with a car purchased using his Tesco Personal Finance PLC (‘Tesco’) credit card. background Mr U bought a second-hand car in November 2018 using his Tesco credit card. He says that he was misled about its condition by the dealership (‘the Supplier’) and had no choice but to... (6 pages)

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