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 DRN7972061
18 Sep 2018 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr H’s complaint is about the compensation Santander UK Plc (Santander) has offered to settle his complaint about a mis-sold payment protection insurance (PPI) policy connected to his mortgage. backgroundMr H took out a mortgage in November 2002 and at the same time t... (3 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 -
Decision Reference DRN4719095
4 Apr 2018 Santander UK Plc Not upheldBanking and creditMr W and Miss P complain Santander UK Plc didn’t close their current account when they requested and continued to add charges and let direct debits be taken. In addition they complain that the account has now been defaulted after lots of fees were added.backgroundW... (2 pages)View decision -
Decision Reference DRN7209745
15 Aug 2014 Santander UK Plc Not upheldBanking and creditMr F complains that when he switched his current account to Santander UK plc it did not provide him the £1,500 overdraft he was led to believe he would get.background In December 2013, Mr F asked to switch his current account to Santander. This switch was completed on 3 January 2014. Mr F ... (2 pages)View decision -
Decision Reference DRN2674599
8 Mar 2019 Santander UK Plc Not upheldBanking and creditMrs P and Mr P complain about Santander UK Plc (“Santander”) regarding unauthorised overdraft fees. Mr P feels that the business should have informed him that his mother had fallen into a cycle of incurring unauthorised overdraft charges. They want Santander to refund... (3 pages)View decision -
Decision Reference DRN-3694779
22 Sep 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3694779 The complaint Mrs C complains that Santander UK Plc (“Santander”) overdraft charges were unfair and causing her financial difficulty. What happened Mrs C complained to Santander that its overdraft charges were unfair and causing her financial difficulty. Santander referred Mrs ... (2 pages)View decision -
Decision Reference DRN-3673082
17 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3673082 The complaint Ms L complains that Santander UK Plc has made a series of errors in handling her accounts, and has not treated her fairly or sympathetically in light of her personal circumstances. What happened The details of this complaint as well known to both parties, so I won... (5 pages)View decision -
Decision Reference DRN-5820007
17 Sep 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5820007 The complaint Mr B complains that Santander UK Plc lent to him irresponsibly. What happened Mr B took out an overdraft with Santander in August 2022 and increased the overdraft limit as follows: Date Existing Limit Increase New Limit 09 August 2022£0 £200£200 11 August 202... (4 pages)View decision -
Decision Reference DRN-4690929
19 Mar 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4690929 The complaint Mr S complains that Santander UK Plc unfairly continued to apply interest and charges to his overdraft when he was in financial difficulty. What happened Mr S says that Santander provided him with a £2,000 overdraft on his current account in 2012 while he was a st... (4 pages)View decision -
Decision Reference DRN-3213538
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3213538 Complaint Mr S has complained that Santander UK Plc (“Santander”) unfairly withdrew his overdraft after him having paid all the charges for a number of years. He’s also complained about the impact of the charges. Background One of our adjudicators looked at Mr S’ complaint and... (3 pages)View decision
