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 DRN6350209
15 Jan 2015 Santander UK Plc Not upheldBanking and creditMr B complains that Santander UK Plc imposed unfair bank charges when he was suffering financial difficulty.backgroundMr B found himself in financial difficulty and he says he incurred bank charges in the period 2002 to 2010. He says he made numerous calls to the bank, but he was of... (2 pages)View decision -
Decision Reference DRN9036184
7 Oct 2019 Santander UK Plc Not upheldBanking and creditComplaintMr H complains that Santander UK Plc mismanaged some payments on his current account which left him in an unarranged overdraft. BackgroundAt the start of April, Mr H used his debit card to make payments totalling around £700 to a merchant, who I’ll refer to as A. Sometime after th... (3 pages)View decision -
Decision Reference DRN5745413
13 Aug 2019 Santander UK Plc UpheldBanking and creditMr E complains that Santander UK Plc took money from his account that had incorrectly been put into it, without giving him sufficient notice. This left him overdrawn as he had spent the money not realising that it wasn’t his. Mr E wants to be compensated for Santander’s delay in telling hi... (3 pages)View decision -
Decision Reference DRN-4795121
10 Jul 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4795121 The complaint Mr B has complained that Santander UK Plc (“Santander”) mis-sold him a fee-paying Reward packaged account in 2009. Mr B says he was told having the account was his only way of obtaining a debit card and overdraft. What happened Santander said that Mr B had complai... (2 pages)View decision -
Decision Reference DRN2533472
21 Nov 2013 Santander UK Plc Not upheldBanking and creditMs Q complains that Santander UK Plc (previous Alliance & Leicester) allowed her estranged husband to withdraw money from their joint savings account and is asking her to repay a debt that he ran up on their joint current account.backgroundMs Q says her now estranged husband needed a ... (3 pages)View decision -
Decision Reference DRN-5690612
6 Aug 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5690612 The complaint Ms S says Santander Consumer (UK) Plc (‘Santander’), irresponsibly lent to her. Ms S says that Santander didn’t take reasonable steps to ensure she could afford the repayments towards a conditional sale agreement to purchase a car. She says that if Santander h... (4 pages)View decision -
Decision Reference DRN-3475779
10 Jun 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3475779 The complaint Mr P has complained that Santander UK Plc (“Santander”) switched his account to a fee- paying Choice account in August 2014, without his agreement. He says that the monthly fee that he paid for this account outweighed the financial benefits that he derived from ho... (3 pages)View decision -
Decision Reference DRN-3186058
29 Nov 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-3186058 The complaint Mr Y is unhappy as he believes that Santander UK Plc have recorded incorrect adverse information on his credit file. What happened Mr Y had a current account with Santander that fell into arrears. Mr Y arranged to pay the overdrawn arrears on the account but didn’... (4 pages)View decision -
Decision Reference DRN6133095
24 Aug 2017 Santander UK Plc UpheldBanking and creditMiss G is unhappy about the credit information kept on her file by Santander UK Plc. She would like this to be removed and for Santander to refund money she believes she is owed. background Miss G has an account with Santander. She had an agreed overdraft facility bu... (3 pages)View decision -
Decision Reference DRN0579562
30 Aug 2017 Santander UK Plc UpheldBanking and creditMs S has complained Santander UK plc, trading as Cahoot, about the adverse information recorded on her credit report.backgroundMs S originally opened an account with Cahoot over a decade ago. In January 2016 she received a letter from Cahoot informing her that it was ... (2 pages)View decision
