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 782 results
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Decision Reference DRN2452684
8 Nov 2013 Santander UK Plc Not upheldBanking and creditMr K complains that Santander UK Plc has increased his overdraft charges. He wants Santander to go back to his original agreement and waive the charges that have accumulated.backgroundMr K opened a current account with Alliance & Leicester Building Society in 2007. At that time, he ... (3 pages)View decision -
Decision Reference DRN5801660
21 Sep 2015 Santander UK Plc UpheldBanking and creditMrs E complains about charges Santander UK Plc (“Santander”) added to her bank account for going into an unauthorised overdraft. She says she was in financial difficulties and the bank shouldn’t have charged her.background Mrs E had two bank accounts with Santander. Due ... (2 pages)View decision -
Decision Reference DRN-5221711
13 Jan 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5221711 The complaint Mr B complains that Santander UK Plc applied fees and charges to his account having arbitrarily changed his account to a fee paying one. What happened Mr B said he has complained to Santander many times about unfair charges, in particular for an overdraft faci... (3 pages)View decision -
Decision Reference DRN8633796
20 Mar 2018 Santander UK Plc Not upheldBanking and creditMr I is unhappy with overdraft charges that Santander UK Plc have applied to his account since December 2016.backgroundIn November 2016, Mr I went overdrawn on his account due to one payment made in a store. Because he didn’t have an arranged overdraft, Santander char... (2 pages)View decision -
Decision Reference DRN-2219691
9 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2219691 The complaint Mr D has complained that Santander UK Plc (“Santander”) misinformed and misled him into reducing his overdraft. What happened Mr D had an overdraft on his Santander current account, which had a limit of £800. He phoned Santander in May 2020 to explain he couldn’t ... (3 pages)View decision -
Decision Reference DRN7891208
11 Apr 2019 Santander UK Plc UpheldBanking and creditMr and Mrs F have complained that Santander UK Plc (“Santander”) told them to change their account to a fee-paying 123 account in July 2012 when it has not been of much use to them.They have also complained that Santander increased the amount it charged customers to ... (4 pages)View decision -
Decision Reference DRN4082663
4 Apr 2016 Santander UK Plc Not upheldBanking and creditMiss E complained about the bank charges on her account with Santander UK Plc.backgroundIn 2015, Miss E complained to Santander. She said that the fact she’d been incurring bank charges was contrary to the Lending Code and Banking Code of Business. She said the charges... (2 pages)View decision -
Decision Reference DRN7187655
10 May 2016 Santander UK Plc Not upheldBanking and creditMr W complains that Santander UK Plc has not treated him fairly in that it allowed his account to go into unarranged overdraft, despite his explicit instructions to the contrary. He says this has resulted in charges being applied to the account which he has not b... (3 pages)View decision -
Decision Reference DRN7465011
11 Jan 2016 Santander UK Plc Not upheldBanking and creditMr B complains Santander UK plc changed his account without telling him. He complains Santander charged him for going overdrawn when he didn’t know he had an overdraft. backgroundMr B says in August 2014, Santander told him he’d been charged for being overdrawn. Mr B sa... (2 pages)View decision -
Decision Reference DRN-5690672
5 Aug 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5690672 The complaint Ms B complains that Santander UK Plc didn’t sufficiently check she could afford to repay an overdraft facility and the subsequent overdraft limit increases. In bringing her complaint Ms B is represented by a third party. For ease of reading I will only refer to... (4 pages)View decision
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