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-4848306
30 Sep 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4848306 The complaint Mr U has complained that Santander UK Plc (“Santander”) mis-sold him a fee-paying Reward packaged account in 2010 and a fee-paying 123 account in 2012. Mr U says he was told having the two accounts was his only way of obtaining an overdraft. What happened San... (4 pages)View decision -
Decision Reference DRN3154369
13 Sep 2017 Santander UK Plc Not upheldBanking and creditMr R’s complaint is about the withdrawal of the authorised overdraft facility on his Santander UK Plc bank account and the fact a default was recorded on his credit file as a result. Mr R would like the default removed from his credit file.backgroundI issued my pro... (7 pages)View decision -
Decision Reference DRN8052436
10 Dec 2019 Santander UK Plc Not upheldBanking and creditMr K complains Santander UK Plc (“Santander”) has incorrectly marked his credit file as having missed payments on his overdraft.backgroundMr K had a current account with Santander since 2011 with an arranged overdraft of £1600. From 26 February 2019 until 13 May 2019 (when the account was ... (2 pages)View decision -
Decision Reference DRN-4873181
17 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4873181 The complaint Miss S complains that Santander converted her student account to a graduation account a year early. Miss S also complains about Santander’s decision to remove the overdraft and record a default on her credit file. What happened Miss S opened a student account ... (4 pages)View decision -
Decision Reference DRN4802372
29 Sep 2016 Santander UK Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mrs R either to accept or reject my decision before 31 October 2016. Bridget Makins ombudsman at the Financial Ombudsman ServicecomplaintMrs R complains that Santander UK plc didn’t tell her it was g... (2 pages)View decision -
Decision Reference DRN5849176
2 Feb 2018 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK plc forced him into an account he didn’t want, which has resulted in him paying excessive charges.backgroundMr S says his account was changed to a student account around the time he went to university. He says he didn’t ask for this ... (2 pages)View decision -
Decision Reference DRN-2944895
2 Aug 2021 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-2944895 The complaint Mr M complains that Santander Consumer (UK) Plc provided him with a conditional sale agreement in December 2018 which was unaffordable. This complaint has been brought by a family member on behalf of Mr M but for ease of reference I am only going to refer to Mr M ... (6 pages)View decision -
Decision Reference DRN5894340
24 Oct 2014 Santander UK Plc Not upheldBanking and creditMiss D complains about charges Santander UK plc has added to her current account.backgroundMiss D went over her overdraft limit. She says she spoke to Santander and it said if she paid in £180 no more charges would be applied. But further charges were applied. And Miss D thinks these ch... (2 pages)View decision -
Decision Reference DRN-4199620
20 Jun 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4199620 The complaint Miss D complains that Santander UK Plc has unfairly recorded a default on her credit file. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Miss D had a student account with attached overdra... (3 pages)View decision -
Decision Reference DRN1416143
16 Oct 2018 Santander UK Plc Not upheldBanking and creditMr M complains about the amount of charges Santander UK plc has applied to his account which he says are charges on charges.backgroundMr M says he has been charged about £300 by Santander over the last 12 months. He says its charges place him in an unarranged overdra... (2 pages)View decision
