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-4642189
20 Mar 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4642189 The complaint Mrs S says Sainsbury's Bank Plc (SB) irresponsibly lent to her. What happened Mrs S took out a £10,000 loan over 60 months from SB on 25 February 2020. The monthly repayments were £211.25 and the total repayable was £12,675. Her loan account defaulted in Nove... (4 pages)View decision -
Decision Reference DRN-4796726
10 Jun 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4796726 The complaint Miss S is complaining about Sainsbury's Bank Plc because she says it lent irresponsibly by giving her a loan she couldn’t afford. What happened In June 2022, following her application, Sainsbury’s Bank gave Mrs S a loan of £6,500 over a term of 48 months. Mon... (3 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-3607479
6 Dec 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3607479 The complaint Mr O complains that Sainsbury's Bank Plc (“Sainsbury’s”) irresponsibly granted him credit that he couldn’t afford to repay. What happened Sainsbury’s approved a £10,000 loan for Mr O in September 2021. Mr O needed to repay £12,648 through 60 monthly instalmen... (2 pages)View decision -
Decision Reference DRN-5411949
23 Apr 2025 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-5411949 The complaint Mr M complains that Sainsbury’s Bank Plc irresponsibly lent to him. What happened Mr M was approved for a Sainsbury’s credit card with an £11,000 credit limit in January 2021. Mr M says this was irresponsibly lent to him. Mr M made a complaint to Sainsbury’s. S... (2 pages)View decision -
Decision Reference DRN-4640222
26 Feb 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4640222 The complaint Mr S has complained that Sainsbury’s Bank Plc acted irresponsibly when it approved him for a £20,000 loan in 2020. Background Mr S successfully applied for a £20,000 unsecured personal loan with Sainsbury’s in January 2020. He has said that at the time he was beco... (3 pages)View decision -
Decision Reference DRN-3047339
15 Sep 2021 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3047339 The complaint Ms H complains that Sainsbury’s Bank Plc was irresponsible in agreeing to let her have a loan. She is struggling to repay it and thinks it should be written off or reduced. She has been represented by a debt charity, which I shall refer to as “M”. What happened In... (4 pages)View decision -
Decision Reference DRN-4148203
19 Jun 2023 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4148203 The complaint Ms B complains that Sainsbury’s Bank Plc was irresponsible to lend to her. What happened Ms B had one loan from Sainsbury’s in August 2015 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1 19 Aug 2015 £15,000 84m £239.37 19 Aug 2022 Sold to DCA* * D... (3 pages)View decision -
Decision Reference DRN-3103395
10 May 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3103395 The complaint Mr S complains Sainsbury’s Bank Plc lent to him irresponsibly when it approved a personal loan. He brings this complaint with the assistance of his daughter but for ease of reading I shall refer to Mr S. What happened In July 2018 Mr S contacted Sainsbury’s Bank b... (4 pages)View decision -
Decision Reference DRN-4767853
7 May 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4767853 The complaint Mr R complains that Sainsbury's Bank Plc was irresponsible in its lending to him. He wants all interest, fees and charges on his loan refunded and any adverse information about the loan removed from his credit file. Mr R is represented by a third party but fo... (2 pages)View decision
