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 DRN8445332
10 Sep 2013 Santander UK Plc Not upheldBanking and creditMr V and Miss W hold a joint current account with Santander UK Plc. They complain that charges debited to the account have worsened their financial hardship. They would like Santander to refund all charges applied to their account since July 2001, with interest at 8%, or at least to m... (2 pages)View decision -
Decision Reference DRN-4725347
16 May 2024 Santander UK Plc UpheldConsumer CreditDRN-4725347 The complaint Mr L complains that Santander UK Plc approved two loans for him in 2021 irresponsibly. What happened Mr L took two loans from Santander. He was an existing current and savings account customer at the time. Loan 1 was in June 2021, for £2,500 to be repaid over 48 m... (6 pages)View decision -
Decision Reference DRN2470093
12 Dec 2013 Santander UK Plc Not upheldBanking and creditMr T complains that Santander UK Plc should have told him sooner that the agreed overdraft limit on the joint account he held with his wife had been exceeded. He wants it to refund a £30 charge.our initial conclusionsMr T didn’t get bank statements because Santander had placed a... (2 pages)View decision -
Decision Reference DRN1110300
19 Dec 2014 Santander UK Plc Not upheldBanking and creditMs K complains that Santander UK plc irresponsibly put an overdraft facility on her account when she upgraded it and then refused to remove it, causing her to go into debt.backgroundMs K had a basic bank account with Santander, which she upgraded some years ago. At the time of the upg... (2 pages)View decision -
Decision Reference DRN6921041
12 Sep 2017 Santander UK Plc Not upheldBanking and creditMr M has complained that after his available balance was correctly debited, several days later the available balance was then reversed. This allowed him to effectively spend money that had already been spent. He thinks this should’ve been fully ring fenced by Santa nde... (3 pages)View decision -
Decision Reference DRN0876393
8 Jan 2016 Santander UK Plc Not upheldBanking and creditMr K feels that Santander UK Plc (“Santander”) has treated him unfairly in relation to bank charges and supplying him with a Pin for his card.backgroundMr K complains that in 2015 Santander failed to send him a new Pin for his card promptly leading to him not havi... (2 pages)View decision -
Decision Reference DRN2078721
25 May 2017 Santander UK Plc Not upheldBanking and creditMr V complains about unfair charges he says Santander UK plc has applied to his account. He wants the bank to admit its error and for the charges to be refunded.backgroundMr V tells us he’s had an account with Santander for many years. He says that over this p... (2 pages)View decision -
Decision Reference DRN-3625254
19 Aug 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3625254 The complaint Mrs S complains that Santander UK Plc did not process an international payment when she had sufficient funds in her account and they transferred a lower amount when they did process the transfer. What happened Mrs S attempted to make an international payment on 4 ... (4 pages)View decision -
Decision Reference DRN3457847
25 Jul 2013 Santander UK Plc UpheldBanking and creditMiss T complains about the information Santander UK Plc (trading as Cahoot) has recorded on her credit file in relation to a current account debt she repaid some years ago.backgroundMiss T says she experienced financial difficulties when she and her partner split up. She was on matern... (2 pages)View decision -
Decision Reference DRN7324968
22 Aug 2013 Santander UK Plc Not upheldBanking and creditMr H is unhappy about the monthly charges applied on his account by Santander UK Plc. backgroundMr H had an account at a third party bank which has since been acquired by Santander. Since Santander acquired the account, the monthly fee levied when he entered the agreed overdraft facil... (2 pages)View decision
