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 DRN2173744
30 Apr 2013 Santander UK Plc Not upheldBanking and creditMs E complains that after she had asked for an account to be closed, Santander continued to try to make payments, and this has led to fees and charges. She now owes Santander £489.36 and wants the bank to cancel this and amend any adverse entries on her credit record.our initi... (2 pages)View decision -
Decision Reference DRN6641949
10 Dec 2013 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK Plc applied excessive charges to his account. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. In her view, Santander had correctly applied the fees in line with the terms and conditions of the account ... (2 pages)View decision -
Decision Reference DRN6123795
24 Jan 2019 HSBC UK Bank Plc Not upheldBanking and creditMr Y complains about the charges HSBC Bank Plc have applied to his current account overdraft. He thinks the charges are too high and as he’s experiencing financial difficulties he’s unable to pay them back. backgroundMr Y used an overdraft on his HSBC current account ... (3 pages)View decision -
Decision Reference DRN4395853
7 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss S complains that Santander has not treated her fairly in that it applied unfair fees to her account and did not respond positively and sympathetically to her financial difficulties, as it is expected to do. She would like the bank to refund all such charges ... (2 pages)View decision -
Decision Reference DRN2286423
31 Oct 2013 Santander UK Plc Not upheldBanking and creditMiss G complains that Santander UK plc should refund all interest and charges on its current account and repair her credit file. background Miss G had a current account with another bank but she had her mortgage with Santander. She complained after it opened a current account for her ... (2 pages)View decision -
Decision Reference DRN4864046
13 Oct 2016 Santander UK Plc Not upheldBanking and creditMiss H says Santander UK Plc should refund all fees and charges applied to her current account over the last 20 years. They don’t reflect the true cost to the bank of her unauthorised overdraft usage.backgroundMiss H put this request in writing to the bank in Marc... (2 pages)View decision -
Decision Reference DRN0333870
15 Jun 2016 Santander UK Plc UpheldBanking and creditMr L complains that Santander UK Plc has not treated him fairly in that it gave him incorrect information about how to deal with a debt on a joint account which he held with his ex-wife. This led to the account remaining outside its limits and a default being appl... (2 pages)View decision -
Decision Reference DRN8011945
19 Nov 2013 Santander UK Plc UpheldBanking and creditMs G complains that Santander UK Plc incorrectly applied charges to her current account and has not assisted with her financial difficulties.our initial conclusionsThe adjudicator said the overdraft charges had been correctly applied by the bank when the account exceeded the agreed... (2 pages)View decision -
Decision Reference DRN-4380585
4 Oct 2023 Santander UK Plc UpheldConsumer CreditDRN-4380585 The complaint and what happened Mr D and Miss J complain that Santander UK Plc lent to them irresponsibly and without carrying out proper affordability checks. They would like all the interest and charges associated with the loan refunded. I’ve included relevant sections of my ... (4 pages)View decision -
Decision Reference DRN1678654
27 Feb 2015 Santander UK Plc Not upheldBanking and creditMr N complains that Santander UK Plc (“the bank”) unfairly applied charges to his account during a period when he was out of work.backgroundIn 2010 Mr N sustained a personal injury that left him out of work for four months. He says that he contacted the bank at that time to discuss his ... (2 pages)View decision
