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-5075493
31 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5075493 The complaint Mrs M is unhappy that Santander UK Plc didn’t refund payments she sent as part of a scam. Mrs M has made her complaint through professional representatives, but for ease I’ve referred only to Mrs M in this decision. What happened The background to the complaint... (5 pages)View decision -
Decision Reference DRN-3329164
22 Feb 2022 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-3329164 The complaint Miss R complains that Santander Consumer (UK) Plc (“Santander”) irresponsibly granted her a loan she couldn’t afford to repay. What happened I provided my provisional decision on this complaint earlier this month. An extract from that provisional decision is set o... (4 pages)View decision -
Decision Reference DRN-4053739
20 Apr 2023 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-4053739 The complaint Mr D complains about credit granted to him by Santander Consumer (UK) Plc (trading as Santander Consumer Finance). What happened Santander agreed credit of £8,800 for Mr D on 20 March 2017 in order for him to acquire a car. The cash price of the car was £10,000. ... (3 pages)View decision -
Decision Reference DRN-4436602
13 Nov 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4436602 The complaint Mr T complains that Santander UK Plc unfairly applied an overdraft charge to his current account without explanation. What happened Mr T holds a Santander current account. He received notification of a £3.73 charge the bank was applying to his account, which it sa... (2 pages)View decision -
Decision Reference DRN8992267
30 Oct 2013 Santander UK Plc Not upheldBanking and creditMr H complains that late payment information which Santander UK plc registered against his credit file meant that he could only obtain credit at very high interest rates. He says he didn’t know there was a balance outstanding on his account. The adverse credit information has caused him ... (3 pages)View decision -
Decision Reference DRN-2050219
1 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2050219 The complaint Mr L is unhappy Santander UK Plc stopped paying interest on his Select current account without telling him. What happened Mr L holds a sole and joint Select current account with Santander. This type of account pays interest subject to certain conditions. These con... (3 pages)View decision -
Decision Reference DRN3808822
12 Apr 2013 Santander UK Plc UpheldBanking and creditMr M complains that Santander wrongly took a direct debit payment from his account after he had instructed the bank to cancel it. This took him over his overdraft limit, causing him to incur a default fee. our initial conclusionsThe adjudicator recommended that the complaint shou... (2 pages)View decision -
Decision Reference DRN5742813
16 Jul 2015 Santander UK Plc Not upheldBanking and creditMiss S says Santander UK PLC hasn’t offered enough compensation after three payments were taken from her current account when she was paying her credit card bill online. The bank offered £545 to cover interest charges and to compensate for the trouble and upset caused. our ini... (2 pages)View decision -
Decision Reference DRN5740086
5 Mar 2015 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK Plc (“the bank”) reversed a cheque paid into his account that proved to be fraudulent, leaving his account overdrawn and incurring charges, as well as adversely affecting his credit file.backgroundIn March 2010 Mr B sold some items via a local newspaper t... (1 page)View decision -
Decision Reference DRN-3373765
28 Jun 2022 Santander UK Plc Not upheldConsumer CreditDRN-3373765 The complaint Ms A complains that Santander UK Plc (“Santander”) irresponsibly lent to her. What happened Ms A applied for a loan online with Santander in February 2020, which was eventually taken out in April 2020. The loan was for £7,600 over a term of 48 months. The purpose ... (3 pages)View decision
