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 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 DRN5686378
10 Jun 2014 Santander UK Plc Not upheldBanking and creditMr F complains about the fees for unauthorised overdrafts which Santander UK PLC has debited from his business account. He says he wasn’t aware that fees were to be debited and wants these fees refunded. He also wants the level of overdraft fees reduced.background Mr F complained to Sa... (2 pages)View decision -
Decision Reference DRN5818305
21 Aug 2018 Santander UK Plc UpheldBanking and creditMs H complains about how Santander UK Plc has managed her current account.backgroundIn late December 2017, Santander wrote to Ms H to say it was reducing her arranged overdraft. The overdraft would reduce from £1,000 to £150, and this change would take effect at th... (4 pages)View decision -
Decision Reference DRN6977105
14 Jun 2013 Santander UK Plc Not upheldBanking and creditMr N complains that Santander UK Plc set up an overdraft without his agreement, following an error. He wants the bank to refund the charges it has applied.backgroundIn August 2010, Mr N went to his local Santander branch to withdraw cash. But Santander debited the wrong amount to his ... (2 pages)View decision -
Decision Reference DRN2344668
26 Jun 2017 Santander UK Plc Not upheldBanking and creditMrs K complains that the fees Santander UK Plc (Santander) charged her when she went into unauthorised overdraft are unfair. backgroundMrs K held a bank account with Santander without an overdraft facility. Mrs K mainly used her account to fund an online payment acc... (2 pages)View decision -
Decision Reference DRN7601479
9 Nov 2018 Santander UK Plc Not upheldBanking and creditMrs G is unhappy about the overdraft charges that Santander UK Plc applied to her account over a number of years. She wants a proportion of the charges refunding. backgroundMrs G opened a bank account with Santander in 2009 and since November 2011 she had an agreed over... (2 pages)View decision -
Decision Reference DRN8035097
5 Jan 2016 Santander UK Plc UpheldBanking and creditMr A complains that Santander UK Plc cancelled his overdraft without telling him, causing him to incur charges unexpectedly. He wants the charges to be refunded.backgroundMr A has an account with Santander. Until October 2014 he had an overdraft limit of £500, but then i... (3 pages)View decision -
Decision Reference DRN6758462
21 Aug 2018 Santander UK Plc Not upheldBanking and creditMiss B has raised a complaint about the charges applied to her two current accounts by Santander UK Plc (“Santander”) while she was using her authorised overdraft facility.backgroundMiss B says Santander has repeatedly changed its charging structure since 2011 and has r... (3 pages)View decision -
Decision Reference DRN7734920
13 Mar 2020 Santander UK Plc Not upheldBanking and creditsummary of complaintMiss F complains about unfair charges that Santander UK Plc (Santander) applied to her account over many years since 2009. backgroundMiss F has held a bank account with Santander since 2006. For the majority of that time she held the same type of current account, apart... (3 pages)View decision -
Decision Reference DRN9833526
28 Aug 2019 Santander UK Plc Not upheldBanking and creditMiss P complains that Santander UK Plc deducted an unarranged overdraft fee from her account in March 2019. backgroundMiss P has a current account with Santander with an agreed overdraft limit of £1550. She was charged an unarranged overdraft fee on 14 March 2019, which related to her goin... (3 pages)View decision
