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 DRN1711789
30 Jan 2020 Santander UK Plc Not upheldBanking and creditComplaintMiss P complains that Santander UK Plc applied fees and charges to her current account between 2010 and 2014 while she was experiencing financial difficulties. BackgroundMiss P has a Santander current account with an overdraft. Over the years, Miss P has been charged when her over... (2 pages)View decision -
Decision Reference DRN2590793
14 Nov 2017 Santander UK Plc Not upheldBanking and creditMiss C has complained that Santander UK Plc (“Santander”) mis-sold her a Reward Accounton 16 November 2009.background I attach my provisional decision of 2 October 2017, which forms part of this final decision. In my provisional decision I set out why I was intending ... (2 pages)View decision -
Decision Reference DRN0175122
4 Sep 2015 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK plc applied a default to his credit file. He wants it removed because he has repaid the debt.backgroundIn February 2006 Mr A opened an account with the bank. He had a £1,000 overdraft limit.In 2011 the bank contacted Mr A to ask him... (2 pages)View decision -
Decision Reference DRN-4891397
10 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4891397 The complaint A company, which I’ll refer to as S, complains that Santander UK Plc wrongly told it that its Coronavirus Business Interruption Loan Scheme (“CBILS”) overdraft could not be extended. S is represented by its director, Mr O. What happened In May 2020, S successfully... (5 pages)View decision -
Decision Reference DRN-1586902
30 Mar 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1586902 The complaintMrs S is unhappy Santander UK PLC has charged her a fee for her account being overdrawn. What happenedIn mid-May 2019, Mrs S made a £12.50 transaction which caused her Everyday current account with Santander to fall into its overdraft. On the same day, Mrs S on see... (2 pages)View decision -
Decision Reference DRN0319319
23 Mar 2020 Santander UK Plc Not upheldBanking and creditMr H has complained that Santander UK Plc (‘the bank’) added excessive charges to his account, at a time when he was in financial difficulty. He’d like the bank to refund some or all of the charges. backgroundOur adjudicator didn’t uphold the complaint. He concluded: The bank had added ch... (2 pages)View decision -
Decision Reference DRN2307764
21 Nov 2014 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK Plc applied an interest rate of 18.9% when he used his overdraft. He says he thought his overdraft was interest free.our initial conclusionsOur adjudicator didn’t recommend the complaint was upheld. He said that he didn’t conclude the bank made a m... (2 pages)View decision -
Decision Reference DRN1229396
22 Feb 2019 Santander UK Plc Not upheldBanking and creditMiss G complains that Santander UK Plc charged her for unarranged overdraft usage. She is unhappy that they didn’t freeze the charges on the account sooner than they did. She wants a refund of her charges and her credit file amended. backgroundOn 30 March 2018, Miss G... (2 pages)View decision -
Decision Reference DRN9498065
21 May 2014 Santander UK Plc Not upheldBanking and creditMr L complains about bank charges applied to his account by Santander UK Plc from 2009 to 2011. As a vulnerable adult this has caused him financial difficulties. Mr L wants the charges to be refunded.backgroundMr L brought a complaint to this service in September 2013 about historical... (1 page)View decision -
Decision Reference DRN6079160
4 Nov 2014 Santander UK Plc UpheldBanking and creditMr B complains that he was mis-sold a fixed rate loan by Santander UK Plc. Mr B says he was not made aware of the potential magnitude of the break costs if he exited the arrangement early. backgroundMr B is a property developer. Around March 2006 Mr B took out approximately £450,000 of ... (4 pages)View decision
