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Home Retail Group Card Services Limited
Legal entity: Home Retail Group Card Services Limited
Group: J Sainsbury plc
FCA register status: No longer authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 04007072, incorporated June 2000
162banking decisions
22.8%uphold rate
125not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Credit file reporting | 63 | 18 | 28.6% |
| Charges and fees | 43 | 13 | 30.2% |
| Irresponsible lending | 26 | 6 | 23.1% |
| Treatment in financial difficulty | 20 | 6 | 30.0% |
| Complaint handling | 17 | 3 | 17.6% |
| Card dispute or chargeback | 16 | 5 | 31.3% |
| Interest and rates | 13 | 2 | 15.4% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2025-H2 2025-03-01 to 2025-08-31 | 34.8% | 3,824 | 3,888 | — |
| FCA | 2025-H1 2024-09-01 to 2025-02-28 | 30.1% | 4,438 | 4,359 | — |
| FCA | 2024-H2 2024-03-01 to 2024-08-31 | 26.2% | 3,944 | 4,548 | — |
| FCA | 2024-H1 2023-09-01 to 2024-02-29 | 24.3% | 4,398 | 4,006 | — |
| FCA | 2023-H2 2023-03-01 to 2023-08-31 | 30.3% | 4,178 | 4,191 | — |
| FCA | 2023-H1 2022-09-01 to 2023-02-28 | 29.0% | 4,147 | 4,126 | — |
| FCA | 2022-H2 2022-03-01 to 2022-08-31 | 26.7% | 4,437 | 4,381 | — |
| FCA | 2022-H1 2021-09-01 to 2022-02-28 | 25.7% | 4,273 | 4,175 | — |
| FOS | 2025-H2 | 28.6% | — | — | 225 |
| FOS | 2025-H1 | 25.3% | — | — | 121 |
| FOS | 2024-H2 | 27.0% | — | — | 112 |
| FOS | 2024-H1 | 25.0% | — | — | 94 |
| FOS | 2023-H2 | 19.3% | — | — | 133 |
| FOS | 2023-H1 | 25.5% | — | — | 101 |
| FOS | 2022-H2 | 18.6% | — | — | 106 |
| FOS | 2022-H1 | 12.9% | — | — | 111 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.