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 68 results
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Decision Reference DRN-6220522
27 Mar 2026 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-6220522 The complaint Miss J complains that Sainsbury’s Bank Plc lent irresponsibly when it approved two loan applications she made. What happened Miss J applied for a loan of £4,500 with Sainsbury’s Bank in October 2020 (loan 1). In her application, Miss J said she was employed wi... (4 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-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-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-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-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-5992196
4 Mar 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5992196 The complaint Mr M complains that National Westminster Bank Public Limited Company (Sainsbury’s Bank) lent irresponsibly when it approved his credit card application. What happened Mr M applied for a Sainsbury’s Bank credit card in December 2022. In his application, Mr M ga... (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-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