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-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-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-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-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-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 -
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-3769925
9 Nov 2022 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-3769925 The complaint Miss A complains that Sainsbury's Bank Plc was irresponsible in its lending to her. What happened Miss A was provided with a Sainsbury’s Bank credit card in February 2021. The credit limit was set at £3,000. Miss A says that the credit card was provided irres... (3 pages)View decision -
Decision Reference DRN-3682046
20 Oct 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3682046 The complaint Mrs D has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to her. What happened Mrs D opened a credit card account with Sainsbury’s in April 2003. Her credit limit was initially £500. Over the course of the next few years to September 2007 ... (3 pages)View decision -
Decision Reference DRN-5638060
10 Sep 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5638060 The complaint Mr R complains that Sainsbury's Bank Plc was irresponsible in its lending to him. He wants all interest and charges on his loan refunded along with statutory interest and any adverse information removed from his credit file. What happened Mr R was provided... (3 pages)View decision