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 DRN6231646
11 Jul 2013 Santander UK Plc Not upheldBanking and creditMiss H complains that the charges Santander UK Plc has taken from her current account are completely disproportionate and unacceptable. She wants the charges refunded.backgroundOn 21 February 2012 four debit card transactions totalling £80 were debited to Miss H’s account. This caused th... (2 pages)View decision -
Decision Reference DRN9199128
24 Dec 2019 Santander UK Plc Not upheldBanking and creditMr A complains Santander UK Plc are holding him liable for transactions he didn’t authorise. He also says Santander allowed direct debits to go through when there weren’t enough funds in his account, and he incurred charges. And he’s unhappy he was charged overdraft fees even though he did... (5 pages)View decision -
Decision Reference DRN-3238109
24 Jan 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3238109 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his current account. He’s also said he was erroneous sent text messages about his balance. Background Mr H’s complaint was looked at by one of our adjudicators. She didn’t think ... (2 pages)View decision -
Decision Reference DRN-3332681
3 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3332681 The complaint Mr W is unhappy at the interest and charges Santander UK Plc (“Santander”) added to his account – he says the charges kept him in a cycle of debt. What happened Mr W complained to Santander that the overdraft charges were keeping him in a cycle of debt and that he... (2 pages)View decision -
Decision Reference DRN1895166
27 Feb 2014 Santander UK Plc Not upheldBanking and creditMrs L complains that the charges applied to her bank account are unfair and that Santander UK Plc (“Santander”) has not responded sympathetically to her financial difficulties. backgroundOur adjudicator was not persuaded that Santander has treated Mrs L unfairly. She referred first to ... (2 pages)View decision -
Decision Reference DRN4835124
28 Aug 2014 Santander UK Plc Not upheldBanking and creditMrs G complains that between 2008 and 2011 Santander UK Plc applied excessive charges to her current account at a time when she was struggling financially. She would like Santander to pay her £2,169.54.backgroundMrs G had an account with Santander between 2008 and 2011, when she was liv... (2 pages)View decision -
Decision Reference DRN-3236529
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3236529 The complaint Mr D has complained that Santander UK Plc (“Santander”) didn’t tell him about the changes to its overdraft pricing structure and says this caused him financial difficulty. What happened Mr D complained to Santander after he realised he had been charged fees for us... (3 pages)View decision -
Decision Reference DRN6490763
6 Jun 2017 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc applied unfair charges to his bank account and wasn’t clear about the terms and conditions. He’s unhappy at not being able to make an appointment at his local branch to discuss these matters. He wants a refund of the charges.backgr... (3 pages)View decision -
Decision Reference DRN-2837141
14 Sep 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2837141 The complaint Miss B has complained that Santander UK Plc will not refund the money she lost after falling victim to a scam. She is also unhappy that as a result of the money not being recovered her account went overdrawn and was subsequently defaulted. What happened In June 20... (5 pages)View decision -
Decision Reference DRN5196175
7 Sep 2015 Santander UK Plc UpheldBanking and creditMr O complains that Santander UK Plc didn’t send him replacement bank cards quickly enough. He wants the bank to pay more compensation than it has offered so far.background Mr O ordered replacement debit and credit cards in September 2013. Mr O made two further re... (2 pages)View decision
