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 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 -
Decision Reference DRN-2937836
26 Jul 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2937836 The complaint Mr T complains that Santander UK plc’s alerts tell him he’s above his overdraft limit, but he isn’t. Mr T says the bank’s misleading information is distressing. What happened Mr T has a Choice Current Account with Santander, that includes an overdraft. Mr T says h... (3 pages)View decision -
Decision Reference DRN7897901
17 Nov 2015 Santander UK Plc Not upheldBanking and creditMs O complains Santander UK Plc says she owes money and has registered adverse credit information about her.backgroundMs O had an account with a business Santander has taken over. She had an overdraft on that account.In 2008 Ms O complained that her overdraft limit had b... (2 pages)View decision -
Decision Reference DRN6006609
1 Oct 2018 Santander UK Plc Not upheldBanking and creditMr S complains Santander UK plc allowed him to go overdrawn when it should instead of declined a transaction on his debit card.backgroundMr S has a disability. His disability means that he can, as he describes it, have a ‘spending attack’. It is therefore particularly ... (2 pages)View decision -
Decision Reference DRN1582126
12 Mar 2015 Santander UK Plc Not upheldBanking and creditMrs L complains that Santander UK Plc unfairly applied fees on her overdrawn account which has resulted in her paying a four figure amount to use a three figure overdraft facility.backgroundOur adjudicator didn’t uphold Mrs L’s complaint. After investigating Mrs L’s account history, o... (2 pages)View decision -
Decision Reference DRN5254054
30 Nov 2015 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK Plc upgraded her account without her knowledge and applied interest and charges in respect of an unauthorised overdraft.backgroundMiss D opened an account with Santander in 1999 when she was 16. The account was automatically upgraded ... (2 pages)View decision -
Decision Reference DRN-5622739
13 Jun 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5622739 The complaint With the help of a professional representative (PR), Mr H complains that Santander UK Plc lent to him irresponsibly. For ease, I’ll refer mainly to the actions of the PR as being those of Mr H. What happened Mr H has had a current account with Santander since M... (5 pages)View decision -
Decision Reference DRN6458405
31 Mar 2014 Santander UK Plc Not upheldBanking and creditMr G complains that Santander UK Plc applied unfair unarranged overdraft charges to his bank account. This resulted in Mr G’s account being passed to collection agencies and agents being sent to his old address. Mr G is also unhappy that Santander did not remove a default placed on his ... (2 pages)View decision -
Decision Reference DRN4051969
20 Mar 2014 Santander UK Plc Not upheldBanking and creditMrs and Ms C complain that Santander UK plc defaulted their account and passed it to a debt collection agency even though they had been keeping to a payment agreement. They are being asked immediately to repay the full overdraft on the account. background Mrs and Ms C’s joint curre... (2 pages)View decision -
Decision Reference DRN6816156
31 Jul 2013 Santander UK Plc Not upheldBanking and creditsummary of complaintMr A complains that Santander UK Plc (“Santander”) provided inaccurate information in his account statements. He says it has applied charges and interest to his account by mistake. He contends this led to his account going over its authorised overdraft limit. He want... (3 pages)View decision
