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 DRN5955654
19 Apr 2018 Santander UK Plc UpheldBanking and creditMr O has complained that Santander UK Plc has applied a default to his credit file in respect of his current account overdraft.backgroundThe background to this complaint, and my provisional findings, were set out in my provisional decision dated 22 March 2018. A cop... (3 pages)View decision -
Decision Reference DRN3050494
12 Jul 2017 Santander UK Plc Not upheldBanking and creditMr D’s complaint is that Santander UK Plc (“Santander”) won’t refund him after he lost money in a scam.backgroundIn June 2016, Mr D was contacted by somebody he believed to be his previous internet provider, and was persuaded to give them remote access to his per... (2 pages)View decision -
Decision Reference DRN2199081
29 Jan 2019 Santander UK Plc Not upheldBanking and creditMr K complains about Santander UK Plc (“Santander”) regarding fees charged on his account and how it dealt with him after he fell into financial difficulties. He wants Santanderto refund all charges and interest.background I set out the background to this complaint,... (3 pages)View decision -
Decision Reference DRN3358140
19 Aug 2015 Santander UK Plc Not upheldBanking and creditMr S complains about overdraft and related charges that have been applied to his current account with Santander UK Plc from March 2009. He thinks they’re out of proportion, and in one case, unjustified. He also feels Santander hasn’t acted within the Lending Code.our initial co... (2 pages)View decision -
Decision Reference DRN-2157914
2 Jun 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2157914 The complaint Miss W has complained that Santander UK Plc (“Santander”) has not downgraded her account despite her asking it to do so on numerous occasions. What happened Miss W says that she experienced financial difficulties in 2019, and decided she didn’t need the 123 accoun... (3 pages)View decision -
Decision Reference DRN-3755365
28 Oct 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3755365 The complaint Mr M is unhappy that Santander UK Plc defaulted his account and passed his overdraft over to a debt collection agency. What happened Mr M had a current account with Santander, which had an arranged overdraft facility. In April 2020, Santander wrote to Mr M to let ... (3 pages)View decision -
Decision Reference DRN-4696911
12 Jun 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4696911 The complaint Miss J complains about Santander UK Plc’s decision to remove the overdraft facility from her Graduate Current Account. What happened In August 2012, Miss J opened a Student Current Account with Santander. Near to the end of her studies, Miss J says she experienced... (4 pages)View decision -
Decision Reference DRN1184834
12 Aug 2015 Santander UK Plc Not upheldBanking and creditMs F complains that Santander UK Plc applied unfair bank charges to her current account. Ms F wants the bank to refund the charges as she was in financial difficulties.our initial conclusionsOur adjudicator didn’t recommend that Ms F’s complaint be upheld. He explained that foll... (2 pages)View decision -
Decision Reference DRN-4882111
1 Jul 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4882111 The complaint Miss P is unhappy with the service she received from Santander UK Plc surrounding her request to set up an overdraft repayment plan and to add her mother as an authorised third- party onto her account. Miss P is represented here by her mother, whom I’ll refer to a... (5 pages)View decision -
Decision Reference DRN-2027995
17 Sep 2020 Santander UK Plc UpheldBanking and PaymentsDRN-2027995The complaintMs T is unhappy that Santander continued to apply charges to her account after she told them she was in financial difficulty. What happenedMs T had a current account with Santander and an arranged overdraft facility of £300. In 2017, Ms T told Santander that she was... (4 pages)View decision
