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-4268741
28 Jul 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4268741 The complaint Mr A complains Santander UK Plc (“Santander”) blocked and closed his current and credit card accounts immediately and without explanation. Mr A’s also unhappy he was told to pay off his overdraft and credit card balance imminently after closure. What happened In J... (5 pages)View decision -
Decision Reference DRN4741568
28 Apr 2017 Santander UK Plc Not upheldBanking and creditMiss S is unhappy with the way Santander UK Plc have administered her bank accounts. backgroundIn 2015, Miss S approached her bank, Santander, with a view to simplifying her banking arrangements. She held two accounts with them but wanted to stop paying two sets of... (3 pages)View decision -
Decision Reference DRN-5796525
8 Sep 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5796525 Complaint Mr F has complained that Santander UK Plc (“Santander”) unfairly continued applying charges to his overdraft and his credit card. He says that this interest was added even when it was clear that he was in financial difficulty and failing to see a credit balance on ... (4 pages)View decision -
Decision Reference DRN8354715
10 Apr 2014 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc wrongfully applied interest to his current account when it was overdrawn. In addition, he feels that Santander should have suspended further charges while his complaint was being investigated.backgroundMr M says that when he opened the account, he w... (1 page)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-4528375
13 Feb 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4528375 The complaint Mr N has complained that Santander UK Plc acted irresponsibly by providing, and increasing the limit on, an overdraft. He complains that Santander acted unfairly by continuing to apply charges to his account when he was in financial difficulty. Mr N is represented... (3 pages)View decision -
Decision Reference DRN5912031
10 Apr 2018 Santander UK Plc Not upheldBanking and creditMs M has complained that Santander UK Plc (“Santander”) mis-sold her a Reward packaged account.backgroundI issued a provisional decision on this complaint on 16 March 2018, explaining my thoughts on why the complaint should be upheld and what I thought Santander should d... (6 pages)View decision -
Decision Reference DRN8358349
10 Feb 2016 Santander UK Plc Not upheldBanking and creditMs P has complained: that Santander let her account become overdrawn and charged overdraft fees; that it refused to allow her to set up internet bankingbackgroundMs P has an account with Santander. She has been abroad for some time and at present has no permane... (2 pages)View decision -
Decision Reference DRN-3796709
18 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3796709 The complaint Mr S complains that Santander UK Plc should reopen the account they closed down when his account defaulted. What happened Mr S had a current account with Santander which had an overdraft. Santander took the decision to firstly reduce, then remove the overdraft and... (3 pages)View decision -
Decision Reference DRN2720688
8 Mar 2018 Santander UK Plc Not upheldBanking and creditMr D complains that Santander UK Plc withdrew the overdraft facility for his business account without notice.backgroundMr D is a sole trader, trading as Company C, and had a business account with Santander which included an overdraft facility. The overdraft was renewed ... (3 pages)View decision
