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 49 results
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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 -
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-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-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
