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 DRN8890826
16 Jun 2016 Santander UK Plc Not upheldBanking and creditMr W complains that Santander UK Plc charged him excessive unarranged overdraft fees on his account. He says he has been badly treated by Santander for years and would like it to pay him £200 compensation for the distress and inconvenience it has caused him. backgro... (2 pages)View decision -
Decision Reference DRN9513396
30 May 2014 Santander UK Plc Not upheldBanking and creditMiss F complains that Santander UK Plc applied frequent and unfair charges on her bank accounts. She also says that Santander did not advise her appropriately on how to improve her financial situation. backgroundMiss F wrote to Santander in November 2013 complaining that charges had b... (1 page)View decision -
Decision Reference DRN2980644
23 Apr 2013 Santander UK Plc Not upheldBanking and creditMiss D complains that – as she is a long-term customer of Santander – it should refund some of its charges on her current account.backgroundMiss D has had a Santander current account for some time. On occasions it has been overdrawn and Santander has levied charges. Miss D considers it fa... (1 page)View decision -
Decision Reference DRN1078586
2 Mar 2017 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc changed his student account to a graduate account a year too early in July 2014. This has resulted in him having a default on his credit record.backgroundSantander said that it didn’t apply any charges to Mr M’s account until aft... (2 pages)View decision -
Decision Reference DRN-4602052
11 Mar 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4602052 The complaint Mr A complains that Santander UK Plc transferred his Student Account to an ordinary current account too early. What happened In September 2016, Mr A opened a Student Account with Santander. The account was to be classified as a Student Account for three years, the... (2 pages)View decision -
Decision Reference DRN-5542985
23 May 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5542985 Complaint Mrs R has complained about a credit card that Santander UK Plc (“Santander”) provided to her. She says the credit card was not affordable for her and as she was already in persistent debt with other credit card providers, she shouldn’t have been provided with this... (8 pages)View decision -
Decision Reference DRN2083940
19 Jun 2017 Santander UK Plc Not upheldBanking and creditMr R complains Santander UK Plc acted irresponsibly when it allowed him to take two loans and allowed him steadily to increase his overdraft when he already had several pay day loans, a gambling addiction and other debts. backgroundMr R had a gambling addiction and dur... (2 pages)View decision -
Decision Reference DRN-3363301
14 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3363301 Complaint Ms D has complained that Santander UK Plc (“Santander”) unfairly added interest, fees and charges to her overdraft which led to her experiencing difficulty. Background One of our adjudicators looked at Ms D’s complaint and thought Santander should have realised Ms D m... (2 pages)View decision -
Decision Reference DRN-4679310
28 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4679310 The complaint Mrs T complained that Santander UK Plc (“Santander”) irresponsibly granted her an overdraft, with the limit then increasing over time, that she couldn’t afford to repay. What happened Mrs T has had overdraft arrangements on her current account from time to time si... (4 pages)View decision -
Decision Reference DRN7087147
20 Mar 2014 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc failed to update all its records with his new address. This resulted in him exceeding his overdraft limit and the bank placing an adverse notice on his credit file. background Prior to 2010 Mr A asked Santander to note his new address on several occ... (2 pages)View decision
