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 62 results
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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-5424175
20 May 2025 Marks & Spencer Financial Services plc Not upheldConsumer CreditDRN-5424175 The complaint Mr W says Marks & Spencer Financial Services Plc trading as M&S Bank irresponsibly lent to him. What happened Mr W took out a loan for £15,000 over 60 months from M&S Bank on 11 November 2021. The monthly repayments were £281.65 and the total repaya... (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 -
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