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-3206900
24 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3206900 The complaint Mr D has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr D complained to Santander about the charges that had been applied to his account from around April 2019 onwar... (3 pages)View decision -
Decision Reference DRN9113950
3 Jun 2015 Santander UK Plc Not upheldBanking and creditMs T complains about bank charges that Santander UK PLC has applied on her account.background Our adjudicator didn’t uphold Ms T’s complaint. After looking carefully at Ms T’s account history, our adjudicator felt that Santander hadn’t applied charges incorrectly or... (2 pages)View decision -
Decision Reference DRN8229422
31 Mar 2019 Santander UK Plc Not upheldBanking and creditMr H complains about charges applied to his account by Santander UK Plc.background Mr H said that he used his Santander debit card to pay for transport. He didn’t have enough money in his current account to do that, but he said that Santander allowed the transaction... (3 pages)View decision -
Decision Reference DRN6435240
12 Jun 2013 Santander UK Plc Not upheldBanking and creditMr A complains that he was unable to access his account with Santander UK plc online for several months in 2012 due to problems with his computer. He incurred charges as a result of going overdrawn in this period.backgroundMr A has a current account with Santander UK Plc (Santander). ... (2 pages)View decision -
Decision Reference DRN4056824
15 Jan 2014 Santander UK Plc Not upheldBanking and creditMr E complains about overdraft charges that Santander UK Plc applied to his account when he was in financial difficulty. He feels these were unjustified and he wants the bank to refund all the charges, with interest.backgroundThe adjudicator did not uphold this complaint. He felt that w... (2 pages)View decision -
Decision Reference DRN5055286
26 Jul 2013 Santander UK Plc Not upheldBanking and creditMiss M complains about Santander UK Plc’s (“Santander”) applying unfair charges and interest to her account and failing to provide her with an authorised overdraft facility.backgroundUnfortunately, about three years ago Miss M had an accident. This resulted in her having to give up work;... (1 page)View decision -
Decision Reference DRN-5188272
31 Jan 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5188272 Complaint Mrs P has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Mrs P is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs P’s account were unfair... (5 pages)View decision -
Decision Reference DRN8858771
13 Feb 2017 Santander UK Plc Not upheldBanking and creditMiss O complains Santander UK plc refused her request to reduce her overdraft limit.backgroundMiss O has a current account with Santander. She asked Santander earlier this year to reduce her overdraft – then £1,700 – by £50 each month. But Santander said it could... (2 pages)View decision -
Decision Reference DRN7947975
13 Dec 2013 Santander UK Plc Not upheldBanking and creditMr C complains that although he repeatedly asked Santander UK Plc for an overdraft facility to prevent him incurring charges, for a long time this was refused. As a result, the bank applied charges to Mr C’s account which he says has added to his financial difficulties. He would like ... (2 pages)View decision -
Decision Reference DRN-5082632
4 Nov 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-5082632 Complaint Mrs G has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Mrs G is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs G’s account were unfair... (4 pages)View decision
