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 DRN9833526
28 Aug 2019 Santander UK Plc Not upheldBanking and creditMiss P complains that Santander UK Plc deducted an unarranged overdraft fee from her account in March 2019. backgroundMiss P has a current account with Santander with an agreed overdraft limit of £1550. She was charged an unarranged overdraft fee on 14 March 2019, which related to her goin... (3 pages)View decision -
Decision Reference DRN7734920
13 Mar 2020 Santander UK Plc Not upheldBanking and creditsummary of complaintMiss F complains about unfair charges that Santander UK Plc (Santander) applied to her account over many years since 2009. backgroundMiss F has held a bank account with Santander since 2006. For the majority of that time she held the same type of current account, apart... (3 pages)View decision -
Decision Reference DRN-4538186
11 Jan 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4538186 The complaint Mrs B says Santander UK Plc irresponsibly allowed her to continue to use her overdraft facility. What happened Mrs B has had an overdraft limit on her account for several years. In April 2023, Mrs B complained to Santander that she’d become reliant on it as a high... (3 pages)View decision -
Decision Reference DRN4717993
27 Jun 2018 Santander UK Plc Not upheldBanking and creditMr L complained that Santander UK Plc’s overdraft charges were illegal, and that the bank didn’t help him with financial difficulties.backgroundIn March 2018, Mr L complained to this service about overdraft fees on his Santander account. In line with our rules, Santande... (2 pages)View decision -
Decision Reference DRN-3175933
16 Dec 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3175933 Complaint Mrs P has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s said the charges were harsh and, in any event, she was told it was not possible to go into an unarranged overdraft on her account. Background Mrs P’s ... (2 pages)View decision -
Decision Reference DRN-3316488
2 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3316488 Complaint Mrs R and Mr R have complained about the overdraft charges Santander UK Plc (“Santander”) applied to their current account. They’ve said Santander should proactively have let them know how to reduce their overdraft fees. Background Mrs R and Mr R’s complaint was looke... (2 pages)View decision -
Decision Reference DRN-3073831
7 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3073831 The complaint Mr A complains that Santander UK Plc unfairly applied interest and charges to his overdraft when he was experiencing financial difficulties. What happened Mr A’s bank account with Santander had a £1,000 overdraft going back at least ten years. Mr A has explained t... (2 pages)View decision -
Decision Reference DRN0567060
17 Oct 2014 Santander UK Plc Not upheldBanking and creditMr B complains Santander UK plc failed in its duty of care when it offered him an overdraft and also failed to explain the overdraft charges.backgroundMr B says when he went to his local branch many years ago to get an overdraft he wasn’t told about the charges. He also says the charges a... (2 pages)View decision -
Decision Reference DRN4609746
29 Oct 2015 Santander UK Plc UpheldBanking and creditMr A complains that Santander UK plc didn’t cancel his overdraft when he asked it to.backgroundMr A said he was given an overdraft with Santander that he didn’t ask for, and he was being charged for it. He said that he kept paying off the overdraft, and asking Sa... (3 pages)View decision -
Decision Reference DRN-4331432
4 Sep 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4331432 The complaint Miss D has complained that Santander UK Plc (“Santander”) acted unfairly by continuing to apply overdraft charges to her joint account when she was in financial difficulty. What happened Miss D held a joint account with her ex-husband with an overdraft facility wi... (4 pages)View decision
