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 DRN-5071245
25 Oct 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-5071245 The complaint Mrs K complains that Santander UK Plc unfairly reported a default on her credit file. What happened Mrs K and her husband, Mr H, hold a joint bank account with Santander. In early 2024, Mrs K started to receive letters from credit card companies saying that the... (3 pages)View decision -
Decision Reference DRN-3919729
22 Feb 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3919729 The complaint Mr S complains that Santander UK Plc unfairly defaulted his account after he had tried to clear the outstanding balance. He wants the default removed from his credit file. What happened Mr S had an account with Santander on which he had a dispute regarding charges... (3 pages)View decision -
Decision Reference DRN6556161
7 Oct 2013 Santander UK Plc Not upheldBanking and creditMr and Mrs D complain about the charges that Santander UK Plc applied to their joint account because of a direct debit that they did not authorise.backgroundMr and Mrs D set up a direct debit to be taken from Mrs D’s sole account. They said, instead of it being taken from that account,... (2 pages)View decision -
Decision Reference DRN9542959
19 Mar 2014 Santander UK Plc Not upheldBanking and creditMr L complains about charges applied to his account by Santander UK Plc. background Mr L withdrew money from his account after fraud had been attempted on the account. He thought the account had been closed, but as there was still a balance, a £2 monthly account fee applied, which caused... (2 pages)View decision -
Decision Reference DRN7366966
9 Sep 2013 Santander UK Plc Not upheldBanking and creditMr T complains that Santander UK Plc will not give him an overdraft, has applied charges to his account and is discriminating against him.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. Santander explains it would not give Mr T an ov... (2 pages)View decision -
Decision Reference DRN0474108
2 Dec 2015 Santander UK Plc Not upheldBanking and creditMr M and his partner complain that Santander UK plc didn’t send a text message to Mr M’s partner to tell him that Mr M had added an overdraft to his account.backgroundIn August 2014 Mr M’s partner told Santander that Mr M wasn’t in a fit state to be financia... (2 pages)View decision -
Decision Reference DRN0634136
13 Jan 2017 Santander UK Plc Not upheldBanking and creditMr D complains that instead of closing his account as he requested, Santander UK Plc kept it open and applied several bank charges to it.backgroundMr D paid the balance on his account and asked Santander to close it. But direct debits were taken from it and Santande... (2 pages)View decision -
Decision Reference DRN8947183
14 Oct 2014 Santander UK Plc Not upheldBanking and creditMr F complains about problems he has had with Santander UK Plc since switching his account to it.our initial conclusionsOur adjudicator did not recommend that this complaint be upheld as he considered the steps Santander had already taken were more than generous. Mr F disagreed... (2 pages)View decision -
Decision Reference DRN6385850
17 May 2013 Santander UK Plc Not upheldBanking and creditMs T’s father, Mr T, complains on Ms T’s behalf about charges that Santander UK Plc has applied to her account.backgroundMs T was using her account on the understanding that it could not go overdrawn as she had no overdraft limit. However, as she often used her debit card for small tra... (2 pages)View decision -
Decision Reference DRN0119706
27 Feb 2015 Santander UK Plc Not upheldBanking and creditMr F has complained about a packaged bank account sold to him by Santander UK Plc (“Santander”) in 2011. backgroundThe background to the complaint was set out in my provisional decision dated 11 February 2015, an extract from which is attached and forms part of this final decision.In m... (3 pages)View decision
