Every little help or every little puts you into more debts? Unfortunately for me i believed this Scam Tesco bank promise to help me during pandemic outbreak. I applied for credit card 3 months holiday and now found myself in more debts. I did know that they would charge me interest during this time but what they didn't tell ya is that you will require to pay this interest back straight away after your holiday break ends. Also they charged me 70% interest from my usual monthly payment. I was close to my credit limit before i took this Covid holiday break, now because of Tesco charging me interest i went into Excess of the agreed credit limit. Received letter today saying i have to pay almost £500 back immediately. It was sneaky, what a SCAM!!!! Instead of helping me they put me into more debts and now they are threatening me with letter. Phoned Tesco bank today and they told me i have to pay as i signed an agreement. Zero help. DO NOT BELIEVE THIS SCAM BANK AND DO NOT TAKE CREDIT CARD HOLIDAY GUYS!!!! YOU HAVE BEEN WARN!!!!
Hi , I'm sorry to hear that as that doesn't seem correct at all. Interest would continue through the agreed payment holiday but this wouldn't have to be paid in a lump sum. Provided your account was up to date and within the account limits then when your break is over you could continue with your monthly payments as usual. If you would like me to check this then please send a private message to with your full name, DOB and postcode.
Hi
I'm sorry to hear about this and I hope you will let look into this for you, check it out and provide you with an appropriate response.
To send Tesco Bank a 'Private Message' please click on this link and it will take you to a page, 'About Tesco Bank'.
In the top right of the page click onto 'Send a Message'.
A new page will open up, 'Create New Message'.
Complete it and send your message securely.
Please include your full name, date of birth and postcode.
Warm wishes,
I've had a look and I can see that my colleague passed you to our Financial Assist team, did you have a discussion with the team? Looking at the account, all fees have been refunded. However, the interest will still be payable - Ross
Hi I'm try sorry to hear about this !I can see that Ross and 25H have both responded to offer their assistance.Likewise, i'm following up to check that you now received an appropriate resolution.Kind Regards,
Hi I see Ross has looked at the account and has said that all the fees have been refunded.It is standard that the interest will still be payable as interest is calculated on the outstanding balance.Hope this has resolved your query.If so would you please Accept as Solution for me.Cheers and warm wishes,
Tesco claim that they are doing all they can to help but they are full of s***! Customers need a credit holiday because Tesco Bank are taking MONTHS & Months to deal with Section 75 claims and because of THEIR FAILING, Tesco want to charge you interest. To be absolutely clear: Tesco owe you thousands via your Section 75 claim and by taking many months to process it they get to earn interest from YOU as a financial benefit. How is this even ethical? TESCO ARE NOT A BANK, they are a third party provider.Examples:AMEX: Take THREE days to credit a Section 75 claim and 10 days for it to be returned to your account (as posted in comments today on the BBC website). This is typical for most banks now but NOT third party providers like Tesco. If financial security is important to you, you are foolish to use a Tesco Credit Card, their Section 75 claims take a minimum of FOUR MONTHS (and beyond) as I know to my cost. This totally demeans the function of the Section 75 cover. Get your self a credit card from a PROPER bank. You have been warned.
Hi , I'm sorry to hear your unhappy with the service from Tesco Bank at this time, could you please send a private message to so we can log a complaint for you to raise these concerns?.
Utter waste of time sending private messages. The experts on here may be polite and genuinely want to help but they have absolutely no influence in getting section 75 claims resolved, as proven sooooo many times in my own situation and that of others who have posted.They pass messages on to management who simply ignore them and fail to change anything.The ONLY thing that customers should do is raise an official complaint then follow up with the Financial Ombudsman. DO NOT WAIT LONGER THAN THE FAKE SIX WEEKS THAT TESCO KEEP QUOTING.
Hi, thanks for trying but it did not resolve anything! My credit card still shows the next minimum payment of £445! This is a robbery.Is this how you help people? Where this figure came from? This is more than double what I usually pay. I can't afford to pay this amount. Will just simply cancel my direct debit. Tesco doesn't help. It robs you.
Good evening
I'm sorry to hear that your next payment is more than double what you usually pay, seems like there's something gone awry.
Please send Tesco Bank a 'Private Message' to give them the opportunity to check this out for you and offer you an appropriate response.
Click on this link and it will take you to a page, 'About Tesco Bank'.
In the top right of the page click onto 'Send a Message'.
A new page will open up, 'Create New Message'.
Complete it and send your message securely.
Please remember to include your full name, date of birth and postcode.
Hope this helps you get it resolved.
Warm wishes,
Sorry to hear your claim took so long, I too submitted a claim and bearing in mind how busy Tesco are due to a huge increase in claims it did take longer than they stated initially however it was complete and refunded in 10wks. There are many variations as why things can take so long, some claims can be exceptionally complicated. Just try to be patient. It does seem unfair that the interest still accrues while you are waiting for the refund however it is part of the agreement when you take payment holidays, even Martin Lewis has been highlighting it on his money programme.Fingers crossed it all gets resolved soon.Sheena
Hi I'm sorry that you are unable to resolve your issue with the Finance team.I thought that it was agreed for all fees to be refunded, and only the interest payable.If you wish to make an official complaint, please call, write or email as detailed below.Best Wishes, Credit Cards0345 300 4278Customer Relations - PO BOX 27010 Glasgow G2 [email protected]
Thanks Ross has previously assisted, and i thought that a solution had already been found.But it would appears that still has an issue with his payment figure, despite an agreement made with the Finance Team.Best Wishes
The advice ‘to be patient’ is ILL-ADVISED. Tesco are really taking the p*** with their unfortunate customers.Even if you do get some kind of response it is completely insincere and worthless, simply a delaying tactic to avoid meeting their obligations. For me it is now 13 weeks since the start of my claim and in that time I have had many, many false assurances from Tesco. The last one was an email THREE WEEKS ago stating that my claim was in the final process and my £3064 would be refunded within 7 days. As is normal with Tesco, this is utterly fake, blatantly untrue, and I do not expect my refund any time soon. Tesco ARE NOT meeting their obligations and instead simply continue to give false assurances to enable them to keep you waiting until ‘infinity and beyond’ to suit their own agenda.The ONLY recourse open to customers is to complain to both the Financial Ombudsman and the CMA, both are really simple to do online.
DO NOT RELY ON TESCO FALSE ASSURANCES, THEY ARE FAKE AND ONLY DESIGNED TO MEET TESCO’s OWN AGENDA.
Well, after few phone calls to different departments the issue was kind of solved, i guess. They delayed my minimum payment to further instructions, till they calculate properly my "new" minimum payment. It should be shown on my account in a few days, so i don't have to pay £445 for now. Let's see what happens. Thanks everyone for trying to help.
I see that many people here had a bad experience with Tesco Bank. I can't say that it's the worst bank ever, but their services are getting worse every day. The problem is they do not show any respect towards their customers. You're doomed to wait for weeks, even for months, to receive a response from them. But what if you want to get a refund? They say that you will get your refund in a week, but that's usually not true. I wonder if Tesco has implemented KYB anti-fraud services. Honestly, it seems that their staff sometimes manipulate with the money, but I can't say it's 100% true.
27-03-21, 10:28
CherylV
I’m sorry to hear about your experience @McNeal. We aim to always be utterly respectful to everyone. I’m so sorry if this hasn’t been the case for you. This deeply concerns me and we never want to make you feel that way. I’m afraid some disputes can take longer than others to investigate, as some are more complex than others. I can't comment specifically on your situation without knowing more, however this may have been the case.
If you’d like to discuss this in more detail and in relation to your account, please send us a private message to @Tesco-Bank including your full name, DOB and postcode and we'll be happy to look further into this. I'm so sorry for the trouble you've had.
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Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We want you to be confident that your data is safe and secure with us and understand how we use it.
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