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Tesco Personal Finance Limited
Financial Ombudsman decision DRN-6214586 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jan 23deadline to accept (not the decision date)
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, Complaint handling
In the Ombudsman’s words
Tesco was also unable to collect the payments for December 2024 and January 2025. This led to Tesco terminating the account in February 2025. ... So, Mr P complained to Tesco about this. Tesco responded by saying they were obliged to report this type of financial information to the credit reference agencies and declined to arrange for the adverse loadings to be removed.Credit file reporting
Multiple agents refused to put him through to a manager with some of the calls lasting over two hours. ... There were multiple instances (of at least ten) of Tesco managers failing to call him back over a period of several weeks.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6214586.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.