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-4777809
7 May 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4777809 The complaint Mr O complains that Santander UK Plc blocked and then closed his account without notice and without proper reason. As a result, he was put to significant inconvenience, suffered distress, and incurred financial loss. He wants Santander to reinstate his account and... (2 pages)View decision -
Decision Reference DRN1381500
17 Mar 2017 Santander UK Plc Not upheldBanking and creditMr N complains that Santander UK Plc has not treated him fairly in that it is demanding repayment of the full outstanding balance of his unarranged overdraft, instead of the overlimit amount which he has offered. He says this is unreasonable as he cannot afford to repay ... (2 pages)View decision -
Decision Reference DRN4730118
10 Jan 2014 Santander UK Plc Not upheldBanking and creditMr N complains that Santander UK Plc:-Refused to give him an overdraft.-Refused to guarantee that a payment request made under one of his direct debit instructions would be paid.-Applied a penalty when he closed his Individual Savings Account (ISA) and did not warn him this would ... (2 pages)View decision -
Decision Reference DRN-3991631
22 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-3991631 The complaint Mrs B complains that Santander UK Plc (“Santander”) lent to her irresponsibly and did nothing to support her despite informing it of her gambling problems and other vulnerabilities. What happened Mrs B held an account with Santander with an overdraft facility. Mrs... (4 pages)View decision -
Decision Reference DRN9663641
5 Jul 2018 Santander UK Plc Not upheldBanking and creditMrs D complains that Santander UK Plc stopped paying interest on her account without telling her.backgroundMrs D has a current account with Santander. There’s a monthly charge for the account, and it pays interest when the conditions are met. One of those conditions ... (3 pages)View decision -
Decision Reference DRN5431874
8 May 2014 Santander UK Plc Not upheldBanking and creditMr W complains that Santander UK Plc did not help him when he was experiencing financial hardship. He also complains about charges applied to his account. background Mr W says that Santander applied approximately £3,000’s worth of charges to his account between January 2011 and January... (2 pages)View decision -
Decision Reference DRN-2669537
5 May 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2669537 The complaint Mr D is unhappy Santander UK Plc refused his request to increase his overdraft limit. He also complains about issues he’s encountered when using an ATM, and with Santander’s decision to close some branches. What happened In September 2020 Mr D contacted Santander ... (4 pages)View decision -
Decision Reference DRN-3112461
18 Oct 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3112461 The complaint Mr H complains that Santander UK Plc (Santander) made errors on his student and graduate accounts. What happened Mr H started his university degree in 2016 on a four-year course. In 2019, he was told by Santander that his account was changing from a student to a ... (3 pages)View decision -
Decision Reference DRN-3568363
29 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3568363 The complaint Miss M is unhappy with how Santander UK Plc dealt with her when she needed help. She says it didn’t provide enough support to help with her overdraft facility and the information she received from Santander wasn’t always clear. To resolve her complaints, she wants... (3 pages)View decision -
Decision Reference DRN-4086055
20 Apr 2023 Santander UK Plc UpheldBanking and PaymentsDRN-4086055 The complaint Ms S is unhappy Santander UK Plc (Santander) closed her accounts without any notice. She is also unhappy with the service she received following the accounts being closed. What happened The key facts of this complaint are known to both sides, so I will summarise t... (6 pages)View decision
