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-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-5848054
29 Sep 2025 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5848054 The complaint Miss W complains that Sainsbury’s Bank Plc trading as Sainsbury’s Bank lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out ... (4 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-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-5672449
10 Nov 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5672449 The complaint Mr R complains that Sainsbury's Bank Plc (“Sainsbury’s”) irresponsibly provided him with a personal loan. Mr R is supported in bringing his complaint by a representative but for ease of reading, I’ll refer to Mr R throughout. What happened Sainsbury’s pr... (3 pages)View decision -
Decision Reference DRN-5528888
9 Sep 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5528888 The complaint Miss B says Sainsbury's Bank Plc irresponsibly lent to her. What happened Miss B took out a loan for £13,000 over 60 months on 13 March 2022. The APR was 10.9% and the monthly repayments were £278.72. Miss B says proper checks were not done before she rece... (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 -
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