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-5421651
10 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5421651 The complaint Mr M complains about the information Santander UK Plc are reporting to the Credit Reference Agencies (CRA’s) in relation to an overdraft account he had with it. What happened Mr M had an overdraft account with Santander. He says he spoke to someone at Santande... (2 pages)View decision -
Decision Reference DRN8971881
23 Oct 2017 Santander UK Plc Not upheldBanking and creditMs R complains that Santander UK Plc (Santander) won’t refund money she lost when she was the victim of a scam. Ms R also says that Santander treated her ‘inhumanely’.backgroundMs R received a call in July 2016 from someone she thought was from a bank, B. Unfortu... (5 pages)View decision -
Decision Reference DRN-4910581
2 Aug 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4910581 The complaint Mrs O complains that Santander UK Plc lent to her in an irresponsible manner. What happened In addition to the credit card that is the subject of this complaint, Mrs O was also given two loans by Santander. Her complaints that those loans were lent irresponsibl... (3 pages)View decision -
Decision Reference DRN3631082
1 Oct 2019 Santander UK Plc Not upheldBanking and creditMr R complains about unfair charges applied to his account by Santander UK plc.backgroundMr R says Santander has applied unfair charges to his account which has caused him financial difficulty. He says as a result he’s been unable to buy necessities such as food and the charges have caused... (2 pages)View decision -
Decision Reference DRN2910272
20 Apr 2018 Santander UK Plc Not upheldBanking and creditMs O has complained about the way Santander UK Plc dealt with a request by another bank to switch her current account.backgroundMs O has a current account with Santander. She says that in April 2017 she discovered there were no funds in her account leading her to ... (2 pages)View decision -
Decision Reference DRN8985126
18 Sep 2015 Santander UK Plc Not upheldBanking and creditMr and Mrs C complain that Santander UK Plc blocked a cheque without telling them, and then failed to respond properly to their complaint.backgroundMr and Mrs C have a joint account with Santander. On 10 April 2014 Mr C wrote a cheque for around £3,300 on the accou... (3 pages)View decision -
Decision Reference DRN-4107236
5 May 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4107236 The complaint Mr S complains that Santander UK Plc failed to refund several transactions from his account that he didn’t authorise resulting in a debt that has impacted his credit rating. What happened Mr S had a gambling account with a merchant I’ll refer to as V and had made ... (4 pages)View decision -
Decision Reference DRN-4987447
16 Sep 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4987447 The complaint Mr F complains that Santander UK Plc (“Santander”) incorrectly told him the funds held within his account were his to spend resulting in him having to pay the money back. Mr F is unhappy with the service received by Santander regarding this. What happened Mr F... (3 pages)View decision -
Decision Reference DRN6360397
14 Mar 2016 Santander UK Plc Not upheldBanking and creditMr E complained because his account with Santander UK Plc was overdrawn. He believed the debt had been caused by an error by Santander.backgroundMr E authorised a payment from his Santander account on 24 November 2015. It was for £3,100 and was to a currency trading ... (2 pages)View decision -
Decision Reference DRN1675194
1 Oct 2013 Santander UK Plc Not upheldBanking and creditMiss D complains about the way that Santander UK plc has dealt with the overdraft on her account. backgroundMiss D had an overdraft on her account and had agreed a reducing overdraft limit with Santander. However, Santander added the reducing overdraft limit to her existing overdraft ... (2 pages)View decision
