Firm + product analysis

Tesco Personal Finance PLC in Payment protection insurance (PPI)

A curated public analysis of Tesco Personal Finance PLC's published Financial Ombudsman decisions in Payment protection insurance (PPI), including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

1,084 published FOS decisions involving Tesco Personal Finance PLC in Payment protection insurance (PPI), with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,084

Decision volume in this firm-product slice

Upheld rate

63.5%

688 upheld decisions

Latest published decision 10 Sept 2021

Published decisions

1,084

Decision volume in this firm-product slice

Upheld rate

63.5%

688 upheld decisions

Latest active year

2021

35 decisions

Leading complaint theme

Affordability Assessment Failure

76 tagged decisions

Tesco Personal Finance PLC in Payment protection insurance (PPI)

Tesco Personal Finance PLC appears in 1,084 published decisions in Payment protection insurance (PPI) across this corpus. 63.5% 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 35 published decisions and an upheld rate of 74.3%.

  • Leading complaint theme: Affordability Assessment Failure
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Payment protection insurance (PPI): medium

How the slice behaves over time

Tesco Personal Finance PLC has a multi-year published decision trail in Payment protection insurance (PPI), which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Payment protection insurance (PPI) 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: 35 decisions, 74.3% upheld
  • 2019: 67 decisions, 31.3% upheld
  • 2018: 220 decisions, 76.8% upheld
  • 2017: 49 decisions, 98.0% upheld
  • 2016: 176 decisions, 94.3% upheld

Themes, precedent context, and handling implications

Affordability Assessment Failure 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 5.2% of cases), review disp precedent (appears in 5.1% of cases), review icobs precedent (appears in 4.6% of cases), and others.

  • Second complaint theme: Policy Wording Ambiguity

Representative cases

Recent published decisions in this slice

5 examples shown

DRN491238510 Sept 2021Upheld

Tesco Personal Finance PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1997. Mrs W says Tesco Personal Finance PLC (“Tesco”) mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs W’s circumstances at the time of... (5 pages)

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DRN945161010 Sept 2021Upheld

Tesco Personal Finance PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken in 2000. Mr L says Tesco Personal Finance PLC mis-sold him the PPI. background The background and circumstances leading up to this complaint, which includes Mr L’s circumstances at the time of the sale as... (5 pages)

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DRN881009507 Sept 2021Upheld

Tesco Personal Finance PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1999. Mrs S says Tesco Personal Finance PLC (“Tesco”) mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs S’ circumstances at the time of ... (5 pages)

View source decision
DRN311771606 Sept 2021Upheld

Tesco Personal Finance PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (PPI) policy taken out in 2004. Mrs P says Tesco Personal Finance PLC mis-sold her PPI. background The background and circumstances leading up to this complaint, which includes Mrs P’s circumstances at the time of the sale ... (5 pages)

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DRN573694903 Sept 2021Upheld

Tesco Personal Finance PLC · Payment protection insurance (PPI)

This complaint is about a credit card payment protection insurance (“PPI”) policy taken out in May 2008. Mrs S says Tesco Personal Finance PLC mis-sold her the policy. background The background and circumstances leading up to this complaint, which includes Mrs S’s circumstances at the time... (5 pages)

View source decision