Published decisions
818
Firm-specific decision volume in the public corpus
Firm analysis
A public analysis page covering published Financial Ombudsman decisions involving Sainsbury's Bank Plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
818 published decisions involving Sainsbury's Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
818
Firm-specific decision volume in the public corpus
Upheld rate
31.2%
255 upheld decisions
Latest published decision 15 Dec 2025
Published decisions
818
Firm-specific decision volume in the public corpus
Upheld rate
31.2%
255 upheld decisions
Leading product
Banking and Payments
387 decisions
Leading complaint theme
Delay In Claim Handling
93 tagged decisions
Sainsbury's Bank Plc appears in 818 published decisions in this corpus. 31.2% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and Payments is the firm’s clearest product exposure in the published decisions, with 387 decisions and an upheld rate of 35.9%.
Sainsbury's Bank Plc's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Sainsbury's Bank Plc appeared in 78 published decisions with an upheld rate of 30.8%.
Delay In Claim Handling is the strongest complaint-theme signal tied to Sainsbury's Bank Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Section 75 Cca, Consumer Credit Act 1974, Conc, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
Representative cases
5 examples shown
DRN-5682657 The complaint Mr K complains Sainsbury’s Bank Plc are treating him unfairly in relation to markers that it placed at Cifas, a fraud prevention database. What happened A summary of what happened is below. Sainsbury’s received an application for a credit card in September 2023... (2 pages)
View source decisionDRN-6021089 The complaint Mrs C had a motor insurance policy administered by Sainsbury’s Bank Plc. She says the communication from it around the cancellation of her policy was lacking. What happened Mrs C’s insurer found an undisclosed claim made by Mrs C on a database. It advised Sain... (2 pages)
View source decisionDRN-6017097 The complaint Mr L is unhappy Sainsbury’s Bank Plc hasn’t honoured a promotional offer when he took out a Pet Insurance policy. What happened In November 2024 Mr L said he saw an advert which explained he could receive loyalty card points and a pet hamper if he took out pet ... (2 pages)
View source decisionDRN-5813726 The complaint Sainsbury’s Bank Plc provided Mr R with a £7,675 loan in June 2024. The APR was 11.9% and the monthly repayments were £358.77. Mr R says the loan was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t... (2 pages)
View source decisionDRN-5996191 The complaint Mr W complains that Sainsbury’s Bank Plc hasn’t refunded him following a claim he made under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened In early 2022, Mr W instructed a company (who I’ll refer to as “S”) to complete work to his hom... (7 pages)
View source decision