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-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-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-3851524
19 Dec 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3851524 The complaint Mr R complains that Sainsbury’s Bank Plc (“Sainsbury’s”) lent to him irresponsibly when it gave him a loan that he says he couldn’t afford. What happened Mr R took out an unsecured loan for £14,000 with Sainsbury’s in June 2022. He told Sainsbury’s he wanted to bu... (2 pages)View decision -
Decision Reference DRN-4885627
25 Jul 2024 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4885627 The complaint Mr B complains that Sainsbury’s Bank Plc lent irresponsibly when it approved a credit card application he made in March 2022. What happened In March 2022, Mr B applied for a credit card with Sainsbury’s Bank. In his application, Mr B said he had an annual inco... (3 pages)View decision -
Decision Reference DRN-4779001
2 May 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4779001 The complaint Mr K complains that Sainsbury's Bank Plc was irresponsible when it offered him credit and later increased his credit limit. What happened Sainsbury’s opened a credit card account for Mr K in September 2021 with a credit limit of £8,000. This type of credit wa... (4 pages)View decision -
Decision Reference DRN0028089
22 Jan 2018 Sainsbury's Bank Plc Not upheldBanking and creditMrs B complains that Sainsbury’s Bank Plc shouldn’t have accepted her loan application as she was in a hypomanic state at the time. She also thinks that the default on her credit file in relation to this should be removed.backgroundMrs B has a history of mental i... (3 pages)View decision -
Decision Reference DRN-3116515
21 Dec 2021 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3116515 The complaint Miss L is unhappy that Sainsbury’s Bank Plc wouldn’t accept a payment plan that she offered to set up to help clear the arrears on her credit account or that Sainsbury’s later defaulted her account and reported it as such on her credit file. What happened Miss L f... (3 pages)View decision -
Decision Reference DRN-3716147
16 Feb 2023 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3716147 The complaint Mr and Mrs M complained that Sainsbury's Bank Plc (“Sainsbury’s”) irresponsibly granted them a personal loan that they couldn’t afford to repay. What happened Mr and Mrs M took out an unsecured loan with Sainsbury’s in April 2016. The loan amount was £8,000.0... (3 pages)View decision -
Decision Reference DRN-3732915
17 Oct 2022 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-3732915 The complaint Mr F complains that Sainsbury's Bank Plc irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Sainsbury’s’. What happened In November 2020, Mr F applied for a loan with Sainsbury’s. He was given a ... (4 pages)View decision -
Decision Reference DRN5881284
20 Jan 2020 Sainsbury's Bank Plc Not upheldBanking and creditMrs W and the estate of Mr W have complained about Sainsbury’s Bank Plc’s decision toapprove a loan in 2015. Mrs W is also unhappy with the treatment she’s received after herhusband died.backgroundI issued by provisional decision on this case on 12 December 2019, which is attached and form... (6 pages)View decision
