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 DRN2329230
10 Apr 2018 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc has applied charges unfairly to his account and sold the outstanding debt to a third party debt collection agency.backgroundMr A had two accounts with Santander. His main current account had a monthly direct-debit payment going ou... (2 pages)View decision -
Decision Reference DRN-3206914
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3206914 Complaint Mr N has complained that Santander UK Plc (“Santander”) unfairly continued applying charges on his overdraft which caused him financial difficulty. Background One of our adjudicators looked at Mr N’s complaint and thought Santander should have realised Mr N’s overdra... (2 pages)View decision -
Decision Reference DRN-3342741
1 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3342741 Complaint Ms O has complained that Santander UK Plc (“Santander”) unfairly added interest, fees and charges to her overdraft which led to her missing payment on her credit card. Background One of our adjudicators looked at Ms O’s complaint and thought Santander should have real... (2 pages)View decision -
Decision Reference DRN6191751
11 Jul 2018 Santander UK Plc Not upheldBanking and creditMrs J complains that Santander UK Plc didn’t treat her properly when she started getting into financial difficulties.backgroundDue to an oversight Mrs J incurred charges for an unauthorised overdraft. She paid some of them off and wrote to Santander asking if it would ... (2 pages)View decision -
Decision Reference DRN-3219029
24 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3219029 Complaint Miss B has complained that Santander UK Plc (“Santander”) unfairly continued applying charges on her overdraft which caused her debts to spiral and financial difficulty. Background One of our adjudicators looked at Miss B’s complaint and thought Santander should have ... (3 pages)View decision -
Decision Reference DRN1799667
30 Sep 2013 Santander UK Plc Not upheldBanking and creditMs K complains that Santander UK Plc took too long to amend and update her credit file, as it had agreed to do following an earlier complaint.background Ms K has made two complaints to this service. To explain the background I need to set out details of both the earlier complaint she... (2 pages)View decision -
Decision Reference DRN3836035
30 May 2013 Santander UK Plc Not upheldBanking and creditMiss F complains that Santander UK Plc did not switch a direct debit to her new account, which meant she incurred unauthorised overdraft charges on her previous bank account. She wants reimbursement of all the charges and compensation for distress and inconvenience.our initial conc... (2 pages)View decision -
Decision Reference DRN-5266661
14 Apr 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5266661 The complaint Mr R complains that Santander UK Plc (“Santander”) acted irresponsibly when it granted him a current account overdraft and that the checks it conducted during the application process were inadequate. Mr R is represented in his complaint but for ease I will ref... (3 pages)View decision -
Decision Reference DRN4330284
28 May 2013 Santander UK Plc UpheldBanking and creditMr A complains about charges on his authorised Santander UK Plc overdraft as well as charges on borrowings that exceeded his overdraft limit.backgroundMr A held a loan that was coming to an end as well as an overdraft on his current account. He was in financial difficulties and wanted to ... (2 pages)View decision -
Decision Reference DRN-3202987
21 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3202987 The complaint Ms S has complained that Santander UK Plc (“Santander”) acted unfairly by continuing to apply charges to her account when she was in financial difficulty. What happened Ms S complained to Santander that the fees it applied to her account caused her financial diffi... (3 pages)View decision
