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 DRN8380834
29 Oct 2015 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK Plc charged him fees when his current account was overdrawn even though he told it he was in financial difficulties. He also says that one of Santander’s advisers was rude to him when he called about the fees. backgroundMr C says ... (2 pages)View decision -
Decision Reference DRN-5167818
17 Mar 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5167818 Complaint Mr C complains that Santander Consumer (UK) Plc (trading as Santander Consumer Finance (“Santander CF”)) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable for him and his struggle to make his repayments cause... (4 pages)View decision -
Decision Reference DRN1144453
14 Jan 2014 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK plc should remove the default on her account and accept a reduced settlement for the outstanding debt.backgroundMiss D explains that she instructed Santander not to go ahead with a current account switch unless it could offer a certain level of overd... (1 page)View decision -
Decision Reference DRN0899952
26 Apr 2018 Santander UK Plc UpheldBanking and creditMrs R has complained that Santander UK Plc (“Santander”) mis-sold her a Premier 50 packaged bank account in 2010. backgroundI attach my provisional decision of 3 April 2018, which forms part of this final decision.In my provisional decision I set out why intended to ... (5 pages)View decision -
Decision Reference DRN7711982
22 Dec 2016 Santander UK Plc Not upheldBanking and creditMr J isn’t happy that Santander UK plc has recorded a default on his credit file.backgroundMr J had a bank account with Santander. In August 2011 he made a number of payments using his debit card, which took him into his overdraft. He’d also done the same thing th... (2 pages)View decision -
Decision Reference DRN-2290737
8 Nov 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2290737 The complaint Mr C complains that Santander UK Plc won’t refund disputed transactions made from his account. What happened Mr C says that fraudulent online transfers, totalling just over £45,000, were made on his account between February and December 2017. Mr C says that he wa... (3 pages)View decision -
Decision Reference DRN-1592465
5 Jun 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1592465 The complaintMr K makes a number of complaints about Santander UK Plc account charges and decision to register a default on his credit file. What happenedMr K says Santander applied excessive charges to his account in 2013 and later registered a default on his credit file. He s... (2 pages)View decision -
Decision Reference DRN-4309224
13 Sep 2023 Santander UK Plc UpheldConsumer CreditDRN-4309224 The complaint Miss Z complains that Santander UK Plc was irresponsible in its lending to her. What happened Miss Z was provided with a £15,000 loan by Santander in August 2018. The loan was repayable over 60 months with monthly repayments of around £356. Miss Z says that when t... (3 pages)View decision -
Decision Reference DRN7295240
27 Jan 2020 Santander UK Plc UpheldBanking and creditMr O has complained about how Santander UK Plc (‘the bank’) maladministered the process of obtaining information from him and then blocked, unblocked and re-blocked his account. background Mr O had a business account with the bank. It remains open, with an unpaid debit balance which includ... (3 pages)View decision -
Decision Reference DRN1588139
13 Aug 2013 Santander UK Plc Not upheldBanking and creditMr R complains that he was charged £25 of fees for an overdraft that he could not clear because the bank was closed. He wants Santander UK Plc (“the bank”) to refund at least £10 but preferably the whole fee.backgroundMr R’s account was overdrawn for five days and incurred a charge of... (1 page)View decision
