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-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 -
Decision Reference DRN-4967711
19 Aug 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4967711 The complaint Mr S complains that Santander UK Plc failed to assist him or intervene regarding his overdraft usage, and the overdraft was unaffordable for him. What happened Mr S has had an overdraft with Santander for a number of years. He’s amended this overdraft limit mul... (3 pages)View decision -
Decision Reference DRN4345354
3 Jul 2017 Santander UK Plc Not upheldBanking and creditMrs C complains that bank charges incurred over the last six years by Santander UK Plc have caused her financial hardship.backgroundIn March 2017 Mrs C complained to Santander about bank charges in relation to her account. She has said that charges in relation to dire... (3 pages)View decision -
Decision Reference DRN7844976
28 Feb 2018 Santander UK Plc Not upheldBanking and creditMs S complains about overdraft charges applied to her account with Santander UK Plc.backgroundMs S is unhappy about overdraft charges. The charges have been applied since July 2017 but Ms S hasn’t been checking her statements regularly and only found out about the charges ... (2 pages)View decision -
Decision Reference DRN9234863
30 Aug 2018 Santander UK Plc Not upheldBanking and creditMr N complains the charges on his Santander UK Plc bank account are excessive so should be refunded with interest, and the default removed from his credit file.Mr N is represented in this complaint by his solicitor, M.backgroundMr N had a bank account with Santander si... (4 pages)View decision -
Decision Reference DRN9631722
22 Oct 2014 Santander UK Plc Not upheldBanking and creditMr D complains about the charges that have been applied to his account by Santander UK plc. He also complains that Santander did not allow him to increase his overdraft limit and that it has not responded to his financial difficulties positively and sympathetically. backgroundMr D has... (2 pages)View decision -
Decision Reference DRN4296608
20 Feb 2017 Santander UK Plc Not upheldBanking and creditMr J isn’t happy with the way Santander UK plc has handled his current account. In particular he thinks the charges that have been applied are unfair and that a default shouldn’t have been added to his credit file. backgroundMr J had an account with Santander that... (3 pages)View decision -
Decision Reference DRN4793442
2 Dec 2019 Santander UK Plc Not upheldBanking and creditMiss O complains about the charges applied to her bank account by Santander UK plc (“Santander”).backgroundMiss O says she’s been stuck in a cycle of charges she can’t break out of with Santander for around 10 years. She’s had an overdraft throughout that time that currently stands at £1,4... (2 pages)View decision -
Decision Reference DRN-5386843
11 Mar 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5386843 Complaint Mr B has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his current account. He’s said the charges were applied unfairly as he was allowed to use his overdraft for a prolonged period and even when it was clear that he was strugglin... (6 pages)View decision -
Decision Reference DRN-4894750
17 Jul 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4894750 Complaint Mr A has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his current account. He’s said the charges were unfair and they kept him in an overdrawn balance. Background When it completed its investigation into Mr A’s complaint, Santan... (3 pages)View decision
