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 DRN9014070
1 Mar 2016 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK Plc has not treated him fairly, in that it charged excessive unarranged overdraft fees on his account without giving him enough notice. He would like Santander to refund the amount charged. backgroundMr S holds a current account with Santan... (2 pages)View decision -
Decision Reference DRN-5857535
27 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5857535 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... (6 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 DRN0832312
5 Feb 2015 Santander UK Plc Not upheldBanking and creditMrs D complains that Santander UK Plc has charged her overdraft fees without telling her and did not properly deal with her complaint.background Mrs D says that she recently discovered that Santander had been charging her for using her overdraft facility. She complained to the branch abou... (2 pages)View decision -
Decision Reference DRN-5559396
1 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5559396 Complaint Miss N has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Miss N is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Miss N’s account were unf... (6 pages)View decision -
Decision Reference DRN-5139783
28 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5139783 Complaint Mr P has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr P is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr P’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-5214092
28 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5214092 Complaint Mr D has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr D is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr D’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-3090198
28 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3090198 The complaint Mrs D has complained that Santander UK Plc (“Santander”) continued charging her excessive amounts for her overdraft when she was in financial difficulty. What happened Mrs D complained to Santander that it acted unfairly by continuing to apply charges to her accou... (2 pages)View decision -
Decision Reference DRN-5660872
16 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5660872 Complaint Mr and Mrs P have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Mrs P 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-5524862
2 May 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5524862 Complaint Mr C has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr C is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr C’s account were unfair as there wa... (5 pages)View decision
