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-3355068
25 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3355068 The complaint Miss H has complained that Santander UK Plc (“Santander”) acted unfairly by continuing to apply charges to her account when she was in financial difficulty and that her credit file has been badly affected by what Santander has reported to credit reference agencies... (3 pages)View decision -
Decision Reference DRN-4717653
2 Apr 2024 Santander UK Plc UpheldConsumer CreditDRN-4717653 The complaint Miss M complains that Santander UK Plc lent irresponsibly when it approved a loan application in July 2020. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In July 2020 Miss M applied for a... (4 pages)View decision -
Decision Reference DRN6468780
4 Oct 2016 Santander UK Plc Not upheldBanking and creditMr and Mrs S complain that the charges applied to their current account by Santander UK Plc are excessive and unfair and have caused them financial difficulty.backgroundMr and Mrs S’s current account was consistently overdrawn and there had been limited credits for ... (2 pages)View decision -
Decision Reference DRN-3056039
23 Sep 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3056039 Complaint Mrs K has complained that Santander UK Plc (“Santander”), amongst other things, unfairly added interest, fees and charges to her overdraft in circumstances when it ought to have realised she was already struggling to repay what she owed. Background One of our adjudic... (2 pages)View decision -
Decision Reference DRN-3392347
5 May 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3392347 The complaint Mr I held an account with Santander Uk Plc for which he had a debit card. He complains that his debit card was blocked without notice as his account went into overdraft, which he was told couldn’t happen. What happened Mr I had a basic Top up account with Santan... (2 pages)View decision -
Decision Reference DRN3535553
24 Mar 2017 Santander UK Plc Not upheldBanking and creditMr A is unhappy that Santander UK Plc has removed his overdraft facility on his bank account.backgroundIn January 2015, Mr A took out a Choice packaged bank account for a monthly fee of £10. The account had an arranged overdraft facility.In May 2016, Mr A complained ... (3 pages)View decision -
Decision Reference DRN8956714
23 Apr 2013 Santander UK Plc UpheldBanking and creditMs W complains that she did not receive the advertised benefit of an interest free overdraft when she transferred her Santander UK Plc current account.backgroundMs W understood she would receive a fee free overdraft for the first four months when she transferred her account from an every... (2 pages)View decision -
Decision Reference DRN6143816
30 May 2019 Santander UK Plc UpheldBanking and creditMr M complains that Santander UK Plc lent irresponsibly when it approved an overdraft increase in April 2017 and a loan application in March 2018. background Mr M has a Santander current account with overdraft facility. Mr M has had a number of loans with Santander go... (3 pages)View decision -
Decision Reference DRN2034994
22 May 2017 Santander UK Plc UpheldBanking and creditMrs J is unhappy that Santander UK Plc has converted her 123 Graduate current account to an Everyday current account. Because of this she will now pay interest and charges on her overdraft. She can’t afford this and doesn’t believe Santander is acting in her bes... (2 pages)View decision -
Decision Reference DRN-3046094
11 Oct 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3046094 The complaint Mr and Ms S are unhappy at the interest and charges Santander UK Plc (“Santander”) added to their overdraft over the years. What happened Mr and Ms S complained to Santander that when facing financial difficulties it failed to offer adequate support and levied exc... (2 pages)View decision
