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 46 results
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Decision Reference DRN-5102512
24 Oct 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5102512 The complaint Mr S says that Sainsbury’s Bank Plc lent to him irresponsibly when he was granted a personal loan. What happened Mr S applied for a £25,000 loan from Sainsbury’s Bank on 2 March 2016. It had a term of 62 months, and it was repayable at £518.52 a month. The APR ... (5 pages)View decision -
Decision Reference DRN-5132356
21 Nov 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5132356 The complaint Miss S complains that Sainsbury’s Bank Plc didn’t consider that a loan account she held with it was eligible for a medical write-off. What happened In December 2021 Miss S entered into a five-year personal loan with Sainsbury’s Bank. The repayments were ££229.3... (3 pages)View decision -
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-4427236
29 Nov 2023 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4427236 The complaint Mrs S complains that Sainsbury's Bank Plc was irresponsible in its lending to her and was rude and lacked compassion when she contacted it about her difficult circumstances. What happened Mrs S was provided with a Sainsbury’s Bank credit card in May 2019. She... (3 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-5338118
9 Apr 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5338118 The complaint Mr G complains that Sainsbury’s Bank Plc lent to him when he could not afford it and did not explain how loans worked or the interest rates involved. What happened I am aware of Mr G’s health issues and I have written this decision in a style to aide his under... (7 pages)View decision -
Decision Reference DRN-4052736
21 Jul 2023 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4052736 The complaint Miss S complains that Sainsbury’s Bank Plc (“Sainsbury’s”) should not have accepted her application for a credit card or increased the limit on that card as the lending was irresponsible. What happened Miss S applied for a credit card with Sainsbury’s in February ... (3 pages)View decision -
Decision Reference DRN-4661651
15 Mar 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4661651 The complaint Mr S says Sainsbury's Bank Plc (SB) irresponsibly lent to him. What happened Mr S took out four loans in just under three years from SB. A summary of his borrowing follows. loan taken out value, £ term in months monthly repayment, £ comments 1 06/03/2015 12,0... (4 pages)View decision
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