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Tesco Personal Finance Limited
Financial Ombudsman decision DRN0636857 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Dec 17deadline 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
Card dispute or chargeback, Product mis-sold
In the Ombudsman’s words
Miss A complains that Tesco Personal Finance PLC (‘Tesco’) has refused to refund a transaction (made using her Tesco credit card) to a fraudulent company (‘the merchant’).Card dispute or chargeback
I’m satisfied Miss A has a claim for misrepresentation on the grounds that the merchant made a series of misrepresentations, namely that it was operating a legitimate enterprise and that Miss A could access her money freely and earn a profit from her deposit-transaction.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0636857.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.