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-2052264
16 Sep 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2052264The complaintMr F complains that Santander UK plc withdrew his arranged overdraft without giving him notice. He also complains that Santander UK plc didn’t inform him it would record information with credit reference agencies about a payment arrangement he made with it. What hap... (3 pages)View decision -
Decision Reference DRN-4679951
23 Aug 2024 Santander UK Plc UpheldMortgagesDRN-4679951 The complaint Ms G complains about the way Santander UK Plc treated her whilst her mortgage account was in arrears. What happened Ms G has a mortgage with Santander. It’s a residential mortgage, but Santander has given Ms G consent to let it out and she now lives abroad. Due... (5 pages)View decision -
Decision Reference DRN-3942609
8 Mar 2023 Santander UK Plc Not upheldConsumer CreditDRN-3942609 The complaint Mr C complains that Santander UK Plc are asking him to reapply for a loan he has already been accepted for. What happened Mr C says he applied for a loan with Santander, but they did not send him a code to release the funds, so he contacted them. A new code was se... (3 pages)View decision -
Decision Reference DRN-3372327
21 Mar 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3372327 The complaint Mr K is unhappy that Santander UK Plc (“Santander”) approved an overdraft for him without adequately considering previous adverse information on his credit file. What happened One of our adjudicators looked into Mr K’s concerns and didn’t think Santander had done ... (3 pages)View decision -
Decision Reference DRN5201326
12 Mar 2021 Santander UK Plc Not upheldBanking and creditMiss H complains that Santander UK Plc reported adverse information on her credit file, and failed to warn her about how an arrangement to pay would be reported on her credit file. background Miss H had a current account with Santander, which was overdrawn by around £1,950. In February 201... (3 pages)View decision -
Decision Reference DRN-3588359
29 Jul 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3588359 The complaint Mr and Mrs Y complain that Santander UK Plc (“Santander”) continued to apply charges to their account when Mr Y was the subject of an Individual Voluntary Arrangement (“IVA”). What happened Mr and Mrs Y held a joint account with an arranged overdraft with Santande... (2 pages)View decision -
Decision Reference DRN6420296
23 May 2013 Santander UK Plc Not upheldBanking and creditMr J complains that Santander UK Plc told him that his overdraft facility would be free, but applied charges. He wants the free overdraft facility he was offered.our initial conclusionsOur adjudicator did not recommend that the complaint should be upheld. He found that Santander h... (2 pages)View decision -
Decision Reference DRN4299061
23 May 2016 Santander UK Plc UpheldBanking and creditMr M has complained that Santander UK Plc (Santander) mis-sold a Reward packaged bank account to him in 2009. He paid a monthly fee for the account which provided several benefits in return.backgroundI attach my provisional decision of 5 May 2016, which forms part of ... (3 pages)View decision -
Decision Reference DRN5774185
22 May 2015 Santander UK Plc UpheldBanking and creditMs L complains about the way Santander UK Plc handled her business relationship with them. Ms L is assisted in this complaint by her sister, Ms C.background Ms L was trading as a sole trader, L2. She was also in business with her mother running a partnership, LP. ... (3 pages)View decision -
Decision Reference DRN-3860485
15 Dec 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3860485 The complaint Mr B complains that Santander UK Plc lent to him irresponsibly. What happened Mr B opened a credit card account with Santander in November 2010. His account limit was set at £3,400 and was never increased. Mr B says he couldn’t afford the credit. He says he had lo... (5 pages)View decision
