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-5138900
11 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5138900 The complaint Mr S complains that Santander UK Plc approved a credit card for him together with a credit limit increase and he could not afford to make the repayments. What happened The card was approved for Mr S in March 2017 with an original credit limit of £2,200. Mr S co... (4 pages)View decision -
Decision Reference DRN9440655
14 Jan 2015 Santander UK Plc Not upheldBanking and creditMr K complains that Santander UK plc didn’t pay him the right amount of interest on his ISA in 2009. He also complains that it then didn’t pay the missing interest into his current account as it said it would.Mr K says it wasn’t until 2013 – when his mortgage application was declined ... (2 pages)View decision -
Decision Reference DRN7459223
4 Apr 2013 Santander UK Plc Not upheldBanking and creditMiss K complains that Santander will not remove adverse data from her credit file which should not be there. She wants it to remove the data and pay her compensation.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She was satisfied t... (2 pages)View decision -
Decision Reference DRN-2965259
24 Aug 2021 Santander UK Plc UpheldBanking and PaymentsDRN-2965259 Complaint Ms G is unhappy Santander UK Plc (“Santander”) is refusing to remove adverse information it recorded about an overdraft and a personal loan on her credit file. Background In July 2020, Ms G asked Santander to write off the outstanding balances on her overdraft and pe... (3 pages)View decision -
Decision Reference DRN7204480
17 Apr 2013 Santander UK Plc Not upheldBanking and creditMr and Mrs D complain that the fees and interest charged by Santander have made their financial difficulties worse. They want the bank to refund about £1,030 of fees and interest charged between September 2011 and July 2012.background Mr and Mrs D wrote to Santander in July 2012 expl... (2 pages)View decision -
Decision Reference DRN0633727
30 Aug 2013 Santander UK Plc Not upheldBanking and creditsummary of complaintMrs C complains about Santander UK Plc (“Santander”). She complains that:-Her account was changed from a Premier account to a Reward account. She says she was not told that her new account did not have the same benefits as her old account. In particular the travel i... (4 pages)View decision -
Decision Reference DRN2938320
22 Oct 2013 Santander UK Plc Not upheldBanking and creditMr W complains that Santander UK plc won’t remove adverse credit information he thinks the bank has wrongly recorded on his credit file.backgroundMr W held two Santander current accounts ending *7024 and *8327. In October 2007, Mr W sold his property and moved away. He repaid the overdra... (2 pages)View decision -
Decision Reference DRN3091273
24 Jul 2015 Santander UK Plc Not upheldBanking and creditMr R is unhappy that Santander UK plc wrongly removed his wife from their joint bank account.background Mr and Mrs R have separated. They no longer live together. They had a joint bank account with Santander. Mr R asked to be removed from the account. Santander told ... (2 pages)View decision -
Decision Reference DRN3800383
11 Sep 2019 Santander UK Plc UpheldBanking and creditMr D complained that Santander UK Plc acted irresponsibly by lending him £7,000 without doing sufficient checks on his finances. Mr D has brought this complaint to our service with the support of a representative, Mrs D. To keep things simple I’ve referred to him and his representative col... (3 pages)View decision -
Decision Reference DRN4424401
22 Aug 2013 Santander UK Plc Not upheldBanking and creditMr R, represented by his father, complains that Santander UK Plc has applied charges to his account and recorded adverse information on his credit file. backgroundTwo direct debits were returned on Mr R’s account which led to Santander applying charges and the account became overdrawn. ... (2 pages)View decision
