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 DRN8652086
23 Oct 2015 Santander UK Plc Not upheldBanking and creditMs G complains that Santander UK plc won’t refund overdraft charges and interest on her current account. She says it was unfair that the bank added charges to her account as she was in financial difficulty.backgroundMs G has held her current account with Santander... (2 pages)View decision -
Decision Reference DRN-3071788
8 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3071788 Complaint Ms W has complained that Santander UK Plc (“Santander”) unfairly continued applying charges on her overdraft which caused her financial difficulty. Background One of our adjudicators looked at Ms W’s complaint and thought Santander should have realised Ms W was strug... (2 pages)View decision -
Decision Reference DRN-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision -
Decision Reference DRN-3269623
21 Feb 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3269623 The complaint Ms R is unhappy at the interest and charges Santander UK Plc (“Santander”) applied to her account over the years. She says the charges left her short on pension and caused her financial difficulty. What happened Ms R complained to Santander that it levied excessiv... (3 pages)View decision -
Decision Reference DRN5646293
24 Apr 2013 Santander UK Plc Not upheldBanking and creditMr A complains about overdraft charges applied to his account by Santander.backgroundMr A opened an account in 2004 and the bank’s records show that from August 2008 it had an arranged overdraft limit in place which Mr A made frequent use of. Mr A says he never agreed an overdraft facil... (2 pages)View decision -
Decision Reference DRN5990706
29 Jul 2016 Santander UK Plc Not upheldBanking and creditMiss S says Santander UK Plc increased her overdraft more than once without her consent, and then asked her to repay it in full. It also repeatedly applied fees and charges leaving her in financial difficulties. She wants all interest and charges refunded.background ... (2 pages)View decision -
Decision Reference DRN8973150
13 Nov 2017 Santander UK Plc Not upheldBanking and creditMrs S complains about an account she has with Santander UK Plc. She believes the bank has lent to her irresponsibly by allowing her to increase her overdraft. She also believes the bank hasn’t dealt with her in a positive and sympathetic manner while she’s been in fin... (3 pages)View decision -
Decision Reference DRN2442786
6 Oct 2015 Santander UK Plc UpheldBanking and creditMr G complains that he was mis-sold a Premier packaged bank account by Alliance & Leicester Plc (A&L). Santander UK Plc are responding to the complaint on A&L’s behalf.backgroundMr G held a Premier Account with A&L between 2007 and 2010. It offered ... (2 pages)View decision -
Decision Reference DRN-1553519
14 Apr 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1553519The complaintMr S complains about the way Santander UK Plc dealt with him when he tried to sort out the overdrawn balance on the joint account he held with his ex-wife. He feels Santander treated him unfavourably compared to its response to his ex-wife, and that the bank hasn’t ... (4 pages)View decision -
Decision Reference DRN4799088
12 Feb 2014 Santander UK Plc Not upheldBanking and creditMr K complains that Santander UK Plc changed his business account to a different account that charges an unauthorised administration charge. Mr K says that the new account is unsuitable for his business, as it charges a monthly fee if less than £50,000 is deposited into the account. Mr K ... (2 pages)View decision
