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 DRN9656648
31 Mar 2014 Santander UK Plc Not upheldBanking and creditMiss C complains that Santander UK plc made an error and increased her overdraft by £810 rather than increasing it to £810. backgroundMiss C agreed with Santander to enter into a reduced overdraft plan. The overdraft was supposed to be increased from £700 to £810 and then reduced by ... (2 pages)View decision -
Decision Reference DRN5913203
9 Nov 2017 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc haven’t helped him with his financial problems and shouldn’t have given him an overdraft facility on one of his accounts. backgroundWhile employed overseas Mr A’s income increased. Between 2006 and 2009 Santander gave him an overdraft ... (4 pages)View decision -
Decision Reference DRN9010457
26 Feb 2019 Santander UK Plc UpheldBanking and creditMr W complains about charges that Santander UK Plc applied to his account, and what it did when he asked it to pay these back. backgroundAs the facts underlying this case are in dispute, I will summarise the background briefly here, before I set out in my findi... (5 pages)View decision -
Decision Reference DRN-1441961
21 Feb 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1441961The complaintT, a limited company, complains that text message alerts sent by Santander UK Plc are misleading. Mrs D is the company director and complains on behalf of T.What happenedMrs D raised a complaint with Santander, as she said she was getting text alerts on her business... (2 pages)View decision -
Decision Reference DRN0562719
3 Feb 2016 Santander UK Plc UpheldBanking and creditMr H has complained that Santander UK Plc (‘Santander’) refused to refund him bankcharges for exceeding his overdraft limit.background After reviewing his account, Santander reduced Mr H’s overdraft limit. He didn’t know it was going to do this because he wasn’t rec... (2 pages)View decision -
Decision Reference DRN1611768
20 Jul 2016 Santander UK Plc Not upheldBanking and creditMiss C’s father complains on her behalf that Santander UK Plc wouldn’t downgrade her account so that it didn’t have an overdraft facility.background Miss C’s father says he twice cleared Miss C’s overdraft so she could downgrade her account to one without a formal ... (2 pages)View decision -
Decision Reference DRN-1429267
15 May 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1429267 The complaintMiss H complains about excessive account charges on her Santander UK Plc account.What happenedMiss H says the Santander account charges over the last three years have been excessive and have caused her significant financial hardship. She says the charges have cause... (2 pages)View decision -
Decision Reference DRN-3137464
17 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3137464 The complaint Ms L feels that Santander UK Plc unfairly applied charges and interest to her account, contributing to her financial difficulties. What happened Ms L complained to Santander about unarranged overdraft charges and interest applied to her account in the last six yea... (2 pages)View decision -
Decision Reference DRN7811152
31 Mar 2014 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc didn’t treat him positively and sympathetically when he was experiencing financial hardship.backgroundA lot of fees and charges were applied to Mr R’s account between 2001 and 2004 because he went over his overdraft limit. He says Santander refused to incr... (2 pages)View decision -
Decision Reference DRN-1203968
7 Apr 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1203968ComplaintMrs M’s daughter, Mrs M1, brings the complaint on her behalf that Santander UK Plc (Santander) has applied excessive charges to her account over the past 3 years. BackgroundMrs M1, who holds a joint lasting power of attorney (LPA) with her brother, complained to Santand... (2 pages)View decision
