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Tesco Bank Case Study

Miss M
Miss M contacted Northern Ireland Claims in relation to a loan she had taken through Tesco Personal Finance in February 2010. Miss M did not have her original Loan Agreement documents.

Northern Ireland Claims obtained the loan agreement documents from Tesco Bank. We established that Miss M had entered into a loan in July 2005 and been sold a Payment Protection Policy. Miss M’s loan was still running.

Miss M had been told by the sales person at Tesco that the loan came wth a Payment Protection Policy. She felt sure that she did not need the policy as her job at the time of the loan application came with a comprehensive sickness and absence scheme, however, she was led to believe that if she did not agree to the policy she would not be granted the loan. The cost of the policy was duly added to her loan.

We issued a complaint to Tesco raising various arguments on behalf of Miss M. We were satisfied that Tesco had not followed regulatory codes of practice in place at the time of the application and certain that Miss M’s case would succeed.

In April 2010, Tesco agreed to repay the premiums paid by Miss M to date, also to reduce her balance and monthly payments by removing the Payment Protection Policy from her Loan Account. Miss M recovered £4110.00 from Tesco and was left paying a reduced payment for the remainder of the loan.

What to do next?
To find out if you qualify for a PPI refund just complete our easy Application Form or call our Northern Ireland PPI claims department on 0289 002 0425.



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