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 783 results
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Decision Reference DRN6831212
9 Nov 2017 Santander UK Plc Not upheldBanking and creditMr K is unhappy about the adverse markers Santander UK Plc has placed on his credit file.backgroundMr K had a 16-18 account with Santander. It changed to an everyday current account when he reached 18. The new account had an overdraft facility and Mr K began to accr... (2 pages)View decision -
Decision Reference DRN-4262231
25 Aug 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4262231 The complaint Miss R complains that overdraft facilities provided to her by Santander UK Plc were not affordable and caused her to incur fees, charges and interest that stretched her financial position, leading to the bank recording her account in default. What happened Miss R ... (3 pages)View decision -
Decision Reference DRN-3528071
27 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3528071 The complaint H, a limited company, complains Santander UK Plc unfairly removed an overdraft and later closed its business accounts. It also says Santander recorded a default marker in relation to the overdraft and overall, they provided a poor service and failed to offer it ap... (6 pages)View decision -
Decision Reference DRN-3201856
26 Jan 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3201856 The complaint Mr K is unhappy with the charges Santander UK Plc (“Santander”) applied to his account for the use of his overdraft. He says he wasn’t notified of the charges in advance. What happened Mr K complained to Santander about the charges applied to his account. He felt ... (2 pages)View decision -
Decision Reference DRN4654202
11 Jul 2016 Santander UK Plc Not upheldBanking and creditMr D complained about charges which Santander UK Plc applied to his account. He also said the bank broke the lending code.backgroundMr D has complained about charges to Santander and to this service before. This decision only looks at what’s he’s complained about since... (2 pages)View decision -
Decision Reference DRN-5346908
9 Jun 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5346908 Complaint Mr and Mrs D have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Mrs D are being represented, by the (“representative”), in their complaint. The representative has said the charges applied to Mr and ... (5 pages)View decision -
Decision Reference DRN-3244457
26 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3244457 The complaint Ms B has complained that Santander UK Plc continued charging her excessive amounts for her overdraft when she was in financial difficulty. What happened Ms B complained to Santander about the charges that had been applied to her account. She said she’d been experi... (2 pages)View decision -
Decision Reference DRN-5145825
22 May 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5145825 Complaint Ms L has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair as there was a failure to take account of her not being able to afford them. Backg... (6 pages)View decision -
Decision Reference DRN3588117
20 Mar 2018 Santander UK Plc Not upheldBanking and creditMrs M complains about fees and charges that Santander UK Plc has applied to her account.backgroundMrs M said that she thinks Santander is charging her much too much for her account. She said it’s gone up considerably since the account opened, and she didn’t think t... (2 pages)View decision -
Decision Reference DRN3083652
25 Apr 2016 Santander UK Plc Not upheldBanking and creditMr H complains that the overdraft charges applied to his bank account by Santander UK Plc were neither valid not legal. backgroundThe charges were applied in the period before Mr H’s account was closed in 2012 and a default registered. Santander is attempting to re... (2 pages)View decision
