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-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-4024859
23 Mar 2023 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-4024859 The complaint Mr B complains that Sainsbury’s Bank Plc lent irresponsibly when it increased the credit limit on his credit card. What happened Mr B successfully applied for a credit card with Sainsbury’s Bank in April 2014. A credit card with a limit of £2,500 was approved. In ... (3 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-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-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 -
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-4073114
17 Apr 2023 Sainsbury's Bank Plc Not upheldBanking and PaymentsDRN-4073114 The complaint Mr H complains that Sainsbury's Bank Plc (‘Sainsbury’s’) irresponsibly gave him a credit card account that he couldn’t afford. What happened On 4 October 2017, Mr H’s credit card was opened by Sainsbury’s with an initial credit limit of £3,000. This credit li... (2 pages)View decision -
Decision Reference DRN-4674879
26 Apr 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4674879 The complaint Mr K complains that Sainsbury’s Bank Plc agreed two loans which were unaffordable for him. What happened On 29 June 2023 Sainsbury’s agreed to lend Mr K a £2,500 loan to be repaid over 60 months. The monthly loan repayment was £72.01 and the APR was 26.9%. The tot... (5 pages)View decision -
Decision Reference DRN-4362531
20 Feb 2024 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-4362531 The complaint Miss E complained that Sainsbury's Bank Plc (“Sainsbury’s”) irresponsibly granted her two personal loans (in July and October 2022) that she couldn’t afford to repay. What happened Miss E took out the first loan in July 2022. The amount was £4,000, and the mo... (4 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
