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-3245623
8 Feb 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3245623 The complaint Mr S and Mrs E have complained that Santander UK Plc continued charging them excessive amounts for their overdraft when they were in financial difficulty. What happened Mr S and Mrs E complained to Santander about the charges that had been applied to their account... (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-3320893
22 Feb 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3320893 The complaint Miss D is unhappy with the charges that Santander UK Plc has applied to her overdraft. She says she was struggling financially for many years and that Santander’s charges contributed to those difficulties. What happened Miss D complaint that the charges Santander ... (2 pages)View decision -
Decision Reference DRN4435010
25 Oct 2013 Santander UK Plc Not upheldBanking and creditMiss T complains, in summary, that Santander UK plc applied incorrect charges to her account, converted her account to a graduate account when she had not yet graduated, and defaulted and then closed her account. backgroundMiss T had a student account with Santander. She complained abo... (3 pages)View decision -
Decision Reference DRN1253080
6 Aug 2019 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK Plc keeps allowing him to go into unauthorised overdraft, then charging him for that. He says it promised it wouldn’t do that, and he can’t afford it because he’s on benefits. backgroundMr C has had an account with Santander for eleven years, and he said he... (2 pages)View decision -
Decision Reference DRN2396111
21 Jun 2018 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK plc started charging for his arranged overdraft without telling him. backgroundMr S opened a current account with Santander in 1997. He’s always had an £800 overdraft, but says he didn’t have to pay to use it when he first opened th... (2 pages)View decision -
Decision Reference DRN6442304
13 Aug 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs F complain about overdraft charges applied by Santander UK Plc to their joint account since 2013 and say Santander hasn’t treated them sympathetically in their financial difficulties.backgroundMr and Mrs F have a joint account with Santander. Since 2013, they’... (2 pages)View decision -
Decision Reference DRN7184837
6 Apr 2018 Santander UK Plc Not upheldBanking and creditMrs M has complained that Santander UK Plc (“Santander”) mis-sold her two packaged bank accounts. The accounts provide various benefits in return for a monthly fee.backgroundMrs M appears to be unhappy with two points. Firstly, that she wasn’t aware she was paying char... (3 pages)View decision -
Decision Reference DRN5860076
24 Nov 2015 Santander UK Plc Not upheldBanking and creditMr T complains about the charges applied to his account. He asks that Santander UK Plc refunds the charges with interest, corrects his credit records and pays compensation.backgroundMr T’s previous bank was taken over by Santander in 2010. Mr T says he did not know h... (2 pages)View decision -
Decision Reference DRN-4885165
8 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4885165 Complaint Miss W has essentially complained that Santander UK Plc (“Santander”) unfairly provided her with an overdraft that was unaffordable. She also says that it continued applying charges to her overdraft even after it should have realised that she couldn’t sustainably repa... (3 pages)View decision
