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 DRN1536376
24 Mar 2020 Santander UK Plc Not upheldBanking and creditMiss M’s complaint against Santander UK Plc (Santander) concerns the fees it charges for her overdraft, and the manner in which it allows her to repay her balance.backgroundMiss M has an account with Santander, in which she has an agreed overdraft. She’s been trying for some time to reduce... (2 pages)View decision -
Decision Reference DRN5332742
18 Jan 2016 Santander UK Plc Not upheldBanking and creditMr S complains about bank charges Santander UK PLC has applied over a number of years. He feels strongly that if Santander had cancelled his agreed overdraft facility when he asked it to, he wouldn’t have incurred charges for going overdrawn.backgroundOur adjudicator was... (2 pages)View decision -
Decision Reference DRN3653321
28 Mar 2018 Santander UK Plc Not upheldBanking and creditMs A has complained Santander UK plc won’t refund charges on her accounts from 2010 to 2017 when she was in financial hardship.backgroundMs A got in touch with Santander in October 2017 to complain about charges on her current account. Santander felt the unauthorised ... (2 pages)View decision -
Decision Reference DRN9838572
13 Mar 2017 Santander UK Plc UpheldBanking and creditMiss H is unhappy with the way Santander UK Plc has dealt with her requests to reduce the overdraft limit on her current accountbackground In mid-September 2016 Santander sent Miss H her usual monthly statement for her current account. At, or around, the same time the... (4 pages)View decision -
Decision Reference DRN7631367
3 Mar 2016 Santander UK Plc Not upheldBanking and creditMr F complains Santander UK plc gave him an unrequested overdraft without telling him and sending the terms and conditions. Mr F is assisted in bringing this complaint by his grandmother.backgroundMr F opened an account with Santander into which he could be paid Educat... (3 pages)View decision -
Decision Reference DRN-3427737
11 May 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3427737 The complaint Mrs H and Mr H (Mr and Mrs H) complain that Santander UK Plc were wrong to keep them in an overdraft situation in which they continually paid charges and suffered loss. Mr and Mrs H say that they have been in overdraft for many years and they were in financial dif... (3 pages)View decision -
Decision Reference DRN-4235524
20 Jul 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4235524 The complaint Mr D complains that Santander UK Plc (“Santander”) transferred his graduate account to an everyday account and is now paying charges for the overdraft facility. Mr D says he was advised in a branch that the overdraft would remain interest free while he was a stude... (3 pages)View decision -
Decision Reference DRN4936479
24 Sep 2019 Santander UK Plc UpheldBanking and creditMr O complains that Santander UK Plc completed a current account switch after he decided not to proceed. He’s also unhappy he incurred account charges.background In September 2018 Mr O completed an online switching request during which he instructed Santander to switch his current account ... (3 pages)View decision -
Decision Reference DRN-3064127
12 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3064127 The complaint Miss C has complained that Santander UK Plc (“Santander”) acted unfairly by continuing to apply changes to her account when she was in financial difficulty and that the changes to Santander’s charging structure has resulted in the cost of her overdraft increasing.... (2 pages)View decision -
Decision Reference DRN6833019
15 May 2015 Santander UK Plc Not upheldBanking and creditMrs O complains that Santander UK Plc has unfairly applied charges to her current account and says she wasn’t told about them. She wants Santander to refund all the charges made.backgroundSince January 2014 Santander’s applied several charges to Mrs O’s current account.... (2 pages)View decision
