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 68 results
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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-5982636
13 Feb 2026 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5982636 The complaint Miss B complains that Sainsbury’s Bank Plc was irresponsible in its lending to her and that she was not adequately assessed for the credit. What happened Miss B applied for credit with Sainsbury’s Bank and had a loan approved as follows: Date Amount of Credit ... (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-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-6121257
12 Feb 2026 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-6121257 The complaint Mr J complains that Sainsbury’s Bank Plc (Sainsbury’s”) provided credit to him irresponsibly and that this credit was unaffordable. He is being represented by a professional third party. What happened In April 2019 Mr J applied for and received a credit card fr... (3 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-5645259
2 Oct 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5645259 The complaint Miss J complains that Sainsbury's Bank Plc was irresponsible in its lending to her. She wants all interest and charges refunded along with 8% simple interest and any adverse information about the loan removed from her credit file. Miss J is represented by ... (2 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