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
-
Decision Reference DRN-5923030
14 Nov 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5923030 The complaint P, a company, complains that £270 went missing from a cash deposit into a Santander UK Plc ATM. Mr O makes the complaint as a director of P. What happened On 21 July 2025 Mr O made three cash deposits at a Santander ATM. The first two such deposits were accepte... (2 pages)View decision -
Decision Reference DRN4300430
22 Apr 2013 Santander UK Plc Not upheldBanking and creditMrs A complains, for herself and Mr A, that over the last five years Santander has taken over £5,000 in charges on her current account, which has caused her financial problems. She wants the bank to be sympathetic and refund at least 75% of the charges taken.backgroundAt the end of Au... (2 pages)View decision -
Decision Reference DRN3030753
11 Oct 2013 Santander UK Plc Not upheldBanking and creditMs B complains that Santander UK Plc upgraded her student account to a current account on her reaching 18 years of age without her consent. This account allowed her to go overdrawn and as a result she incurred fees and charges. our initial conclusionsThe adjudicator did no... (2 pages)View decision -
Decision Reference DRN-5401056
17 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5401056 The complaint Mrs and Mr R complain that Santander UK Plc irresponsibly gave them an overdraft facility and it continued to unfairly apply overdraft charges when they were struggling financially. What happened In May 2018, Mrs and Mr R applied for a £200 overdraft facility f... (6 pages)View decision -
Decision Reference DRN9440350
20 Aug 2019 Santander UK Plc Not upheldBanking and creditMr K complains about Santander UK Plc charging him for an unpaid direct debit. backgroundMr K set up a direct debit to pay one of his bills, he’d asked for it to be taken out on a specific day of each month. The bill provider asked for the direct debit early, at a time when Mr K didn’t hav... (2 pages)View decision -
Decision Reference DRN9882111
22 Jul 2016 Santander UK Plc Not upheldBanking and creditMs M complains about her bank account with Santander UK Plc. backgroundMs M banks with Santander and two other banks. After she’s made an on-line payment, she prints the page and files it. She tells the banks apart by corporate colour – red for Santander and green ... (2 pages)View decision -
Decision Reference DRN5163988
14 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss G has a number of complaints about the way Santander UK plc managed her mortgage account and its dealings with her.To resolve this complaint Miss G wants Santander to pay her compensation for distress and inconvenience.backgroundHere’s a summary of Miss G’s mai... (3 pages)View decision -
Decision Reference DRN4561230
12 Jan 2018 Santander UK Plc Not upheldBanking and creditMr F complains that Santander UK Plc has mis-managed his bank account. He said that when there are insufficient funds, sometimes direct debits are blocked, but sometimes they go through and he's been charged fees. backgroundMr F has a direct debit with his phone ... (2 pages)View decision -
Decision Reference DRN-3179031
20 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3179031 Complaint Mr K has complained that Santander UK Plc (“Santander”) irresponsibly provided him with an overdraft which it increased the limit on when he was already in financial difficulty. Background One of our adjudicators looked at Mr K’s complaint and thought Santander should... (3 pages)View decision -
Decision Reference DRN3560114
24 Mar 2018 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK plc has given incorrect information about his account to the Credit Reference Agencies following a dispute over an outstanding account balance.backgroundMr M switched his account from Santander in April 2017. He initially complained ab... (2 pages)View decision
