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 DRN0206562
21 Jan 2016 Santander UK Plc Not upheldBanking and creditMrs B, through a third party company, M complains that Santander UK Plc applied unfair charges to her account when she was in financial difficulties.backgroundMrs B asked the bank to refund some account charges in June 2012. Another charge was refunded in 2014 due to... (2 pages)View decision -
Decision Reference DRN-3262733
14 Feb 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3262733 Complaint Mr B is unhappy that Santander UK Plc (“Santander”) started charging interest on the overdraft facility he had on his graduate account without notifying him in advance. Background One of our adjudicators looked into Mr B’s concerns. She didn’t think that Santander had... (2 pages)View decision -
Decision Reference DRN1733378
13 Aug 2013 Santander UK Plc Not upheldBanking and creditMr C is unhappy that Santander UK Plc (“Santander”) used a third party to trace him after he had moved without updating his contact details with the bank. He says using this method was illegal and breached Office of Fair Trading Guidelines. our initial conclusionsThe adjudicator did... (2 pages)View decision -
Decision Reference DRN4310358
5 Oct 2017 Santander UK Plc Not upheldBanking and creditMiss K complains that Santander UK Plc allowed her account to go into overdraft, and then applied very high charges because of that.backgroundMiss K said that her Santander account isn’t her usual account. She doesn’t use it every day. She used it for a few small ... (2 pages)View decision -
Decision Reference DRN7466856
18 Jun 2015 Santander UK Plc UpheldBanking and creditMr O complains that he was unable to log in to his account online. He says that this has inconvenienced him and resulted in Santander UK Plc charging him overdraft fees. And he says that the bank did not investigate his complaint quickly enough.backgroundIn early 2014 ... (3 pages)View decision -
Decision Reference DRN6171982
26 Jul 2013 Santander UK Plc Not upheldBanking and creditMr and Mrs H complain that Santander UK Plc (“Santander”) should not have made payments such as direct debits when there were insufficient funds in their account for the payments to be made without the account going into unauthorised overdraft. Mr and Mrs H also complain that the bank h... (1 page)View decision -
Decision Reference DRN7879836
24 Nov 2015 Santander UK Plc UpheldBanking and creditMr R complains that Santander UK Plc reduced his overdraft limit without telling him.background Mr R is overseas and he explains that he paid in money to his UK bank account with Santander to cover his credit card direct debits. Unknown to him Santander had reduced h... (2 pages)View decision -
Decision Reference DRN0956195
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr and Mrs K complain that Santander UK Plc has permitted payments which took their account into an unauthorised overdraft. As a result of this they have incurred charges since April 2016 amounting to £507 which they feel should be reimbursed. backgroundMr and Mrs ... (2 pages)View decision -
Decision Reference DRN6872366
28 May 2013 Santander UK Plc Not upheldBanking and creditMr B complains about unfair and disproportionate charges on his Santander UK plc account.backgroundCharges were applied to Mr B’s account when it became inactive. The charges caused the account to become overdrawn, resulting in further charges. Santander wrote to Mr B when his account wa... (2 pages)View decision -
Decision Reference DRN1698796
6 Aug 2019 Santander UK Plc Not upheldBanking and creditMiss H complains that Santander UK Plc has applied unfair charges to her account, for overdraft borrowing, over the last six years. She said texts Santander was supposed to be sending to help her manage her overdraft were often wrong, and her overdraft amount was wrong too. backgroundMiss ... (3 pages)View decision
