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 DRN6449332
1 Apr 2020 Santander UK Plc Not upheldBanking and creditComplaintMr W complains that Santander UK plc won’t refund around £25,000 which he says was debited from his account without his authority.BackgroundFollowing an investigation by a third party bank where Mr W held an account, that bank made a report to the police. As a result, Mr W was arr... (4 pages)View decision -
Decision Reference DRN-3272845
11 Feb 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3272845 Complaint Miss P is unhappy that Santander UK Plc (“Santander”) started charging interest on the overdraft facility she had on her graduate account without notifying her in advance of this this. Background One of our adjudicators looked into Miss P’s concerns. He didn’t think t... (2 pages)View decision -
Decision Reference DRN4540038
31 Jan 2017 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc entered his debts into a debt management plan without his consent.backgroundIn January 2009 Mr A’s late wife signed a form authorising her creditors to disclose to a debt management company any information that company required. T... (2 pages)View decision -
Decision Reference DRN2553503
25 Feb 2016 Santander UK Plc Not upheldBanking and creditMiss L says Santander UK Plc is in breach of the banking code. The fees applied to her current account have left her in severe hardship and she wasn’t told when the fees changed. our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. ... (2 pages)View decision -
Decision Reference DRN-3073058
15 Mar 2022 Home Retail Group Card Services Limited UpheldConsumer CreditDRN-3073058 The complaint Ms S complains that Home Retail Group Card Services Limited trading as Argos Card Services (Argos) lent to her irresponsibly. What happened Ms S took out a credit card online with Argos in June 2012. Over the next few years, Argos applied multiple increases to Ms ... (4 pages)View decision -
Decision Reference DRN-3513277
6 Jun 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3513277 Complaint Miss B is unhappy that Santander UK Plc (“Santander”) started charging interest on the overdraft facility she had on her graduate account without notifying her in advance. She says her overdraft was supposed to be interest and fee free up to an amount of £2,000.00. Ba... (2 pages)View decision -
Decision Reference DRN0815741
15 Oct 2014 Santander UK Plc Not upheldBanking and creditMrs N complains that Santander UK Plc mis-sold her a packaged bank account in September 2011. She complains that she wanted a free account to be opened, but instead Santander sold her an account that she had to pay for.backgroundMrs N opened a Santander Reward account in September 2011... (2 pages)View decision -
Decision Reference DRN6132299
4 Nov 2015 Santander UK Plc Not upheldBanking and creditMrs P complains she has been mis-sold a packaged bank account by Alliance & Leicester, now Santander UK Plc. She is being represented in her complaint by a claims management company. Mrs P complains that: She wasn’t made aware the account was optional. She was... (3 pages)View decision -
Decision Reference DRN-1972658
3 Jul 2020 The Royal Bank of Scotland Plc UpheldBanking and PaymentsThe complaint Mr V, a sole trader, complains about what happened when he switched his business banking from The Royal Bank of Scotland Plc. What happened Mr V changed his business account using the account switching service. He said the account didn’t transfer properly. It had an overdraft... (3 pages)View decision -
Decision Reference DRN3916131
21 Dec 2018 Santander UK Plc Not upheldBanking and creditMiss S has complained that Santander UK Plc hasn’t treated her fairly as she’s said she’s suffering from financial difficulties. She thinks the charges she’s incurred on her current account are unfair and are forcing her into a spiral of debt.backgroundMiss S has ... (2 pages)View decision
