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
-
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 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 -
Decision Reference DRN-5067922
9 Oct 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5067922 The complaint Mr W says Sainsbury's Bank Plc irresponsibly lent to him What happened Mr W took out a loan for £5,000 in May 2023. It was repayable in 46 monthly payments of £134.43. He says the loan was used to fund his gambling addiction, he did not have the mental cap... (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 DRN-4152095
26 May 2023 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4152095 The complaint Miss R complains Sainsbury’s Bank plc (Sainsbury’s) acted irresponsibly when it approved a credit card account for her. What happened Miss R says she applied for a credit card account with Sainsbury’s in 2017 and it shouldn’t have provided her with such a high cre... (3 pages)View decision -
Decision Reference DRN-4875476
16 Jul 2024 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4875476 The complaint Miss D complains that Sainsbury’s Bank Plc lent to her irresponsibly. What happened On 7 January 2020, Miss D applied for and received a credit card with Sainsbury’s. The bank initially gave her a credit limit of £2,000 and subsequently increased it as follows:... (3 pages)View decision -
Decision Reference DRN-4951026
21 Aug 2024 Sainsbury's Bank Plc UpheldConsumer CreditDRN-4951026 The complaint Mr H complains that Sainsbury’s Bank Plc lent irresponsibly when it approved two loan applications he made. What happened In January 2019 Mr H applied for a loan of £7,000 with Sainsbury’s Bank. Mr H said he was self employed and that his income was £31,200 wh... (3 pages)View decision -
Decision Reference DRN-5458777
14 May 2025 Sainsbury's Bank Plc UpheldConsumer CreditDRN-5458777 The complaint Mr N has complained that Sainsbury’s Bank Plc acted irresponsibly when it provided him with two separate personal loans in 2022. Background Mr N has explained that he has a compulsive gambling problem. He says that the loans taken out with Sainsbury’s were used... (3 pages)View decision -
Decision Reference DRN-3986460
28 Feb 2023 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-3986460 The complaint Miss J complains that Sainsbury's Bank Plc (‘Sainsbury’s’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 22 January 2020, Miss J applied for a credit card account with Sainsbury’s. She was given an initial credit limi... (2 pages)View decision -
Decision Reference DRN-3764026
27 Oct 2022 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-3764026 The complaint Miss P has complained that Sainsbury’s Bank Plc (“Sainsbury’s”) irresponsibly lent to her. What happened Miss P opened a credit card account with Sainsbury’s in December 2010. Her credit limit was initially £1,850. In June 2012 Miss P’s credit limit was increased ... (4 pages)View decision
