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 DRN8745740
25 Oct 2013 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK Plc has given an incomplete response to a subject access request (“SAR”) and refuses to respond to his complaint about this. He also asks that this service investigate all his unresolved complaints against Santander.background Mr S complained to Santand... (2 pages)View decision -
Decision Reference DRN1116127
28 Feb 2014 Santander UK Plc Not upheldBanking and creditMiss A complains that Santander UK plc demanded repayment for a debt on her business account that she did not know she had. background Miss A’s business account had been dormant for some time with a small overdrawn amount. She then received a letter from Santander’s collection departme... (2 pages)View decision -
Decision Reference DRN9027705
20 Oct 2015 Santander UK Plc Not upheldBanking and creditMr T complains that Santander UK Plc failed to update his address when he asked it to. He says this led to charges and his account went into arrears. backgroundMr T stopped making payments into his account with Santander after October 2014. From November 2014 the accou... (2 pages)View decision -
Decision Reference DRN0938886
25 Sep 2019 Santander UK Plc UpheldBanking and creditMr W complains about the way Santander UK Plc dealt with a payment into his business account which Santander later debited. He asks that Santander returns the payment (to him or the sender), refunds charges and apologises. Mr W says he doesn’t want compensation.background In January 2019 M... (2 pages)View decision -
Decision Reference DRN8417810
27 Mar 2014 Santander UK Plc Not upheldBanking and creditThe director of D, a limited company, complains on its behalf that bank charges applied by Santander UK plc relating to unpaid items or when the current account has been overdrawn were excessive and unfair.backgroundFollowing the complaint Santander refunded £381 of bank charges and ... (1 page)View decision -
Decision Reference DRN-1432775
15 May 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1432775 The complaintMr W complains about the charges and fees on his Santander UK Plc account.What happenedMr W says Santander's fees and charges have caused him financial hardship over the last six years. He says they are excessive and have taken a large amount of his monthly sa... (2 pages)View decision -
Decision Reference DRN9780595
15 May 2017 Santander UK Plc Not upheldBanking and creditMiss L has complained about Santander UK Plc’s decision to withdraw her overdraft facility. She’s explained she was only slightly overdrawn, but charges were applied, causing the overdraft to become larger. She feels she wasn’t given enough notice to sort things ou... (3 pages)View decision -
Decision Reference DRN-4998768
2 Oct 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4998768 The complaint Miss M complains that Santander UK Plc reported missed payments to the credit reference agencies even though she made payments to her account. What happened Miss M holds a bank account with Santander. In March 2024 Miss M set up an arrangement to pay the overdr... (3 pages)View decision -
Decision Reference DRN7786185
20 May 2019 Santander UK Plc Not upheldBanking and creditMiss T complains that Santander UK Plc registered a default on her credit file despite her making agreed repayments on her overdraft.backgroundMiss T says she made an agreement with Santander to repay her overdraft. She says she made the monthly repayments but Santand... (2 pages)View decision -
Decision Reference DRN-3571633
4 Aug 2022 Santander UK Plc UpheldMortgagesDRN-3571633 The complaint Ms K complains that her mortgage lender Santander UK Plc unfairly recorded a payment holiday on her credit file despite previous assurances that this wouldn’t be the case. Ms K says she wouldn’t have taken the payment holiday if she’d realised the adverse impact t... (5 pages)View decision
