We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 11 results
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Decision Reference DRN-4906719
7 Aug 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4906719 The complaint Mr A complains that Sainsbury's Bank Plc (“Sainsbury's”) lent to him in an irresponsible manner. What happened Mr A was given a loan by Sainsbury's in January 2023. He borrowed £10,000 that he agreed to repay in 60 monthly instalments of £218.91.... (4 pages)View decision -
Decision Reference DRN-4003641
10 Mar 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4003641 Complaint Mrs S has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly provided her with an unaffordable credit card. She said that she was provided with this credit card at a time when she was already struggling because she had no income due to the pandemic. Ba... (3 pages)View decision -
Decision Reference DRN-4795134
30 May 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4795134 The complaint Mr S is complaining about Sainsbury's Bank Plc because he says it lent irresponsibly by giving him a credit card he couldn’t afford. In particular, he says he was gambling heavily and this meant he had debts with various lenders that he was using to pay off e... (4 pages)View decision -
Decision Reference DRN-5326589
12 Feb 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5326589 The complaint In summary, Miss W complains that Sainsbury’s Bank Plc, provided her with a credit card and credit limit increase that she wasn’t able to afford. The card was administered at the time of the application by another business on behalf of Sainsbury’s. As Sainsbury... (5 pages)View decision -
Decision Reference DRN-5109440
22 Nov 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5109440 The complaint Mr V complains that Sainsbury’s Bank Plc irresponsibly lent to him. Mr V is represented by his partner in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments she has made as being made by Mr V himself. What happened Mr V ... (4 pages)View decision -
Decision Reference DRN-3682046
20 Oct 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3682046 The complaint Mrs D has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to her. What happened Mrs D opened a credit card account with Sainsbury’s in April 2003. Her credit limit was initially £500. Over the course of the next few years to September 2007 ... (3 pages)View decision -
Decision Reference DRN-4779001
2 May 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4779001 The complaint Mr K complains that Sainsbury's Bank Plc was irresponsible when it offered him credit and later increased his credit limit. What happened Sainsbury’s opened a credit card account for Mr K in September 2021 with a credit limit of £8,000. This type of credit wa... (4 pages)View decision -
Decision Reference DRN-4024859
23 Mar 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4024859 The complaint Mr B complains that Sainsbury’s Bank Plc lent irresponsibly when it increased the credit limit on his credit card. What happened Mr B successfully applied for a credit card with Sainsbury’s Bank in April 2014. A credit card with a limit of £2,500 was approved. In ... (3 pages)View decision -
Decision Reference DRN-3764026
27 Oct 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3764026 The complaint Miss P has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to her. What happened Miss P opened a credit card account with Sainsbury’s in December 2010. Her credit limit was initially £1,850. In June 2012 Miss P’s credit limit was increased ... (4 pages)View decision -
Decision Reference DRN-4048963
11 Jul 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4048963 The complaint Mr M has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to him. What happened Mr M opened a credit card account with Sainsbury’s in November 2020. His credit limit was £8,500. Mr M says that Sainsbury’s acted irresponsibly by providing hi... (3 pages)View decision
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