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 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 -
Decision Reference DRN-3205836
21 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3205836 The complaint Miss B has complained that Santander UK Plc (“Santander”) continued charging her excessive amounts for her overdraft when she was in financial difficulty. What happened Miss B complained to Santander that she was suffering from extreme financial hardship due to ch... (3 pages)View decision -
Decision Reference DRN5508716
3 Aug 2015 Santander UK Plc Not upheldBanking and creditMs C complains about the fees charged on her current account by Santander UK Plc (“Santander”). She also complains Santander have failed to investigate her complaint.backgroundMs C says the charges on her current account over a number of years are not fair or propo... (2 pages)View decision -
Decision Reference DRN-5873044
3 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5873044 Complaint Mr and Ms S have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Mr and Ms S have said that Santander failed to pick up on their financial difficulty and offer appropriate assistance to exit their overdraft. T... (5 pages)View decision -
Decision Reference DRN4373170
6 Mar 2020 Santander UK Plc Not upheldBanking and creditMr M complains Santander UK Plc (“Santander”) acted irresponsibly when they approved an arranged overdraft facility with a £250 limit when he opened a current account with them.backgroundI issued a provisional decision in this case on 28 January 2020. I’ve attached a copy to this decision.... (4 pages)View decision -
Decision Reference DRN6775964
20 Feb 2017 Santander UK Plc Not upheldBanking and creditMr H complains that Santander UK Plc (Santander) applied unfair bank charges to his account. backgroundMr H says the charges Santander applied to his account are unfair, and that they’ve put him into financial difficulty. He wants all charges over the past six years to b... (2 pages)View decision -
Decision Reference DRN2213473
30 Mar 2016 Santander UK Plc Not upheldBanking and creditMrs T complains that Santander UK Plc has not treated her fairly in that it provided her with an overdraft facility without undertaking proper checks, has applied unfair charges to that facility and has not treated her positively and sympathetically in relation to her f... (3 pages)View decision -
Decision Reference DRN2096008
7 Mar 2018 Santander UK Plc Not upheldBanking and creditMrs C complains that the fees Santander UK Plc (Santander) charged her when she went into unarranged overdraft are unfair. backgroundMrs C had a bank account with Santander which didn’t have an arranged overdraft facility. In July 2017 Mrs C’s account became overdrawn w... (2 pages)View decision -
Decision Reference DRN-5842112
2 Oct 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5842112 Complaint Mrs H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Mrs H is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs H’s account were unfair... (5 pages)View decision -
Decision Reference DRN-5776302
5 Sep 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5776302 Complaint Miss E and Miss G have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. Miss E and Miss G are being represented, by the (“representative”), in their complaint. The representative has said the charges applied ... (5 pages)View decision
