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-5141860
7 May 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5141860 The complaint Mr C complains that Santander UK Plc lent to him irresponsibly. What happened Mr C has two current accounts with Santander and had overdraft limits on each as follows: Account 1 – number ending 8143 Account 2 – number ending 4552 Date Overdraft limit Date Limi... (5 pages)View decision -
Decision Reference DRN1133141
30 Sep 2015 Santander UK Plc Not upheldBanking and creditMrs W is unhappy with the overdraft charges on a bank account she had with Santander UK plc.backgroundMrs W had a joint bank account with Santander. This was in the names of her and her ex- partner, Mr C. The account was used to receive rental income and make mo... (2 pages)View decision -
Decision Reference DRN5681862
31 Aug 2017 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc (Santander) applied unfair and unreasonable charges on his 123 current account when he went into an unarranged overdraft. He’s also unhappy with the security procedures Santander employed when he rang and requested a funds transfer. back... (2 pages)View decision -
Decision Reference DRN-5504775
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5504775 Complaint Mrs S has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. Mrs S is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs S’ account were unfair a... (5 pages)View decision -
Decision Reference DRN8524554
18 Feb 2020 Santander UK Plc Not upheldBanking and creditMr J complains that Santander UK Plc affected his credit score when it reported that his account was overdrawn for more than six months.backgroundMr J says Santander notified the credit reference agencies (CRA) that his account had been overdrawn for six months and he says this is causing ... (3 pages)View decision -
Decision Reference DRN7268502
26 Apr 2017 Santander UK Plc Not upheldBanking and creditMr P complains that Santander UK plc wrongly applied bank charges to his account. He’d like the charges refunded. And compensation.backgroundMr P says he had a payment arrangement with Santander due to mortgage arrears. He says Santander agreed no charges would be appl... (3 pages)View decision -
Decision Reference DRN7513657
12 May 2014 Santander UK Plc UpheldPayment protection insurance (PPI)This complaint initially concerned the sale of a payment protection insurance (PPI) policy by Santander UK Plc in connection with a personal loan taken by Mr J in 2002. In February 2011, Santander admitted that the policy had been mis-sold and made an offer to put things right. When it ... (5 pages)View decision -
Decision Reference DRN-3244838
11 Jan 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3244838 Complaint Mr K has complained about the overdraft fees and interest Santander UK Plc (“Santander”) applied to his current account. He’s said he was told that he’d only be charged if he exceeded the limit on his agreed overdraft. Background and my provisional decision of 16 Dece... (3 pages)View decision -
Decision Reference DRN7465998
28 Feb 2017 Santander UK Plc UpheldBanking and creditMr G complains that Santander UK Plc unfairly applied charges to his account. He wants Santander to take off the charges and remove the adverse information that’s been recorded on his credit file. background Mr G’s current account didn’t have an arranged overdraft l... (3 pages)View decision -
Decision Reference DRN9070256
19 Dec 2018 Santander UK Plc Not upheldBanking and creditMr H complains that Santander UK Plc has breached the Equality Act 2010 because it failed to make reasonable adjustments to the way in which it deals with him and his accounts even though it is aware of his severe dyslexia.backgroundMr H has four current accounts ... (3 pages)View decision
