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 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 -
Decision Reference DRN5738175
25 Feb 2016 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc has applied unfair bank charges to her account over a six year period.backgroundMrs M says that the bank charges and interest she has paid on her current account are unfair and have contributed to her financial hardship. Our adju... (2 pages)View decision -
Decision Reference DRN6605101
23 Mar 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs D complain about how Santander UK Plc handled their joint current account when it was overdrawn.backgroundMr and Mrs D opened a Santander bank account in 2015. When they applied for this account, they applied for an overdraft facility, which was granted.Whils... (2 pages)View decision -
Decision Reference DRN1165764
29 Sep 2016 Santander UK Plc Not upheldBanking and creditMrs H has complained that Santander UK Plc (“Santander”) mis-sold her a 123 fee paid bank account in 2013.backgroundSantander has accepted it mis-sold the account. And it refunded the fees Mrs H paid in an attempt to put things right. It has since said that it’s also ... (2 pages)View decision -
Decision Reference DRN-5854613
2 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5854613 Complaint Miss C 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 she shouldn’t have been given the overdraft and this caused ongoing financial d... (8 pages)View decision -
Decision Reference DRN-3248606
24 Jan 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3248606 The complaint Mrs R has complained that Santander UK Plc (“Santander”) continued charging her excessive amounts for her overdraft when she was in financial difficulty. What happened Mrs R complained to Santander about the charges applied to her account when she was in financial... (3 pages)View decision -
Decision Reference DRN-5349907
10 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5349907 Complaint Mr M has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr M is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr M’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN6020642
11 Feb 2019 Santander UK Plc Not upheldBanking and creditMr H complains that Santander UK Plc closed his account without notice and won’t reopen it.backgroundMr H had a current account with Santander. He moved abroad a few years ago, but he wanted to keep a bank account in the United Kingdom so that his pension could be p... (3 pages)View decision -
Decision Reference DRN8288747
10 Feb 2016 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK plc unfairly applied charges to his account. He’d like the charges refunded.our initial conclusionsOur adjudicator didn’t uphold the complaint. He didn’t think Santander had done anything wrong. Mr B doesn’t agree. He thinks he’s been charge... (2 pages)View decision -
Decision Reference DRN-5630758
21 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5630758 Complaint Mr and Mrs C have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Mrs C are being represented, by the (“representative”), in their complaint. The representative has said the charges applied to Mr and ... (5 pages)View decision
