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Tesco Personal Finance Limited

Financial Ombudsman decision DRN-5785748 Not upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Support for vulnerable customers

In the Ombudsman’s words

Mr S complains that Barclays Bank UK PLC trading as Tesco Bank (“Tesco”) recorded a default against his credit file.Credit file reporting

Tesco should have realised he was a vulnerable customer because he hadn’t responded to the communications.Support for vulnerable customers

Rules cited

FCA Consumer Duty (PRIN 2A), Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5785748.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.