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-5428921
31 Mar 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5428921 Complaint Ms H 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 there was a failure to take account of her becoming reliant on debt. Background ... (5 pages)View decision -
Decision Reference DRN-3813515
25 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3813515 The complaint Mr H says that Santander UK Plc (“Santander”) acted irresponsibly by approving an overdraft for him. He says the charges he incurred for this were unaffordable and caused financial difficulty. What happened Mr H applied and opened an account with Santander in Marc... (3 pages)View decision -
Decision Reference DRN-3345983
4 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3345983 Complaint Ms M and Mr W have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. They’ve said that the charges are unfair and excessive. Background Ms M and Mr W’s complaint was looked at by one of our adjudicators. He didn’t ... (2 pages)View decision -
Decision Reference DRN2836787
17 Nov 2017 Santander UK Plc Not upheldBanking and creditMr R complains about Santander UK Plc (“Santander”) in relation to charges it applied to an account which Mr R thought was dormant. These charges have impacted upon Mr R’s credit file. Mr R wants Santander to reimburse the charges and remove the defaults from his cred... (4 pages)View decision -
Decision Reference DRN-3050647
10 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3050647 The complaint Mr D complains that Santander UK Plc (Santander) closed his account and applied a fraud marker. What happened What Mr D says Mr D says that in 2015 he worked part-time as a car hire broker. He put third parties in touch with hire companies, completed the necessary... (4 pages)View decision -
Decision Reference DRN-5850519
3 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5850519 The complaint Miss A complains about Santander UK Plc’s handling of her current account, specifically in this case, the interest applied to her overdraft. What happened Miss A has had a current account with Santander since 2016. It was initially a student account which meant... (2 pages)View decision -
Decision Reference DRN4756882
5 Sep 2014 Santander UK Plc Not upheldBanking and creditG complains Santander UK Plc charged interest incorrectly to its business current account. G is represented by a director Mr J. backgroundMr J says Santander charged interest on G’s account when statements show the account wasn’t overdrawn. Santander says money was reserved at the time... (2 pages)View decision -
Decision Reference DRN5221233
14 Dec 2018 Santander UK Plc Not upheldBanking and creditMr E complains that Santander UK Plc didn’t handle two transactions on his current account properly and left him in an unarranged overdraft. It then gave him a very poor service.backgroundMr E tells us that Santander approved a transaction but then it bounced back... (2 pages)View decision -
Decision Reference DRN-3094611
19 Oct 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3094611 Complaint Mr B says that Santander UK Plc (trading as “Santander”) unfairly added overdraft charges to his overdraft. Background One of our adjudicators looked into Mr B’s concerns. He didn’t think that Santander had done anything wrong or treated Mr B unfairly and so didn’t re... (2 pages)View decision -
Decision Reference DRN6977487
5 Apr 2013 Santander UK Plc Not upheldBanking and creditMr B complains that Santander did not give him notice of changes to the charging structure for overdrafts on his account. He wants a full explanation and compensation for the inconvenience this has caused him.backgroundIn 2010 Mr B had a current account which charged a daily overdraft ... (2 pages)View decision
