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-3237978
26 Jan 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3237978 The complaint Mr S has complained that Santander UK Plc continued charging him excessive amounts for his overdraft when he was in financial difficulty. What happened Mr S complained to Santander about the charges that had been applied to his account. He said he’d been experienc... (2 pages)View decision -
Decision Reference DRN-5931683
10 Nov 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5931683 Complaint Miss B has complained about the overdraft charges Santander UK Plc (“Santander”) applied to her current account. She’s effectively said the charges applied to her account were unfair as she was effectively living in her overdraft and wasn’t using it for short-term ... (6 pages)View decision -
Decision Reference DRN1335084
24 Oct 2013 Santander UK Plc Not upheldBanking and creditMr C complains that Santander UK plc began to apply charges to his account after not doing so for two years, and then provided poor service in responding to his complaint.backgroundMr C had had an account with Santander for some years that eventually became a graduate account. Between ... (2 pages)View decision -
Decision Reference DRN2818767
20 Mar 2019 Santander UK Plc Not upheldBanking and creditMr K complains about Santander UK Plc (“Santander”) for withdrawing his overdraft and registering a default against him. He wants Santander to remove the default from his credit file and to agree a repayment plan. backgroundMr K began his university studies in 2012. H... (4 pages)View decision -
Decision Reference DRN9656508
17 Apr 2015 Santander UK Plc Not upheldBanking and creditMr D complains about his overdraft with Santander UK Plc. He’d like Santander to write off the overdraft and refund all the fees he’s paid. He’d also like it to compensate him for making his mental health condition worse. Mr D has brought his complaint through a repre... (3 pages)View decision -
Decision Reference DRN4070751
16 Dec 2015 Santander UK Plc Not upheldBanking and creditMiss M complains that Santander UK plc would not release money to her, despite having an agreement to do so.backgroundMiss M’s account became overdrawn due to bank charges that Santander applied in July 2015. Miss M called Santander and the bank agreed that it would r... (2 pages)View decision -
Decision Reference DRN6255960
8 Oct 2013 Santander UK Plc Not upheldBanking and creditMr L complains, in summary, that Santander UK plc has recorded incorrect information on his credit file.backgroundMr L had a current account overdraft with Santander. In late 2009 the bank wrote to give him notice that it was withdrawing the overdraft but Mr L says that he did not recei... (2 pages)View decision -
Decision Reference DRN2042858
29 Mar 2016 Santander UK Plc Not upheldBanking and creditMr B complained about the charges on his account with Santander UK Plc.backgroundIn autumn 2015, Mr B complained to Santander. He said he hadn’t had a letter to tell him the overdraft charges policy was changing in summer 2014. The changes were that Santander stopped ... (2 pages)View decision -
Decision Reference DRN1383266
23 Apr 2013 Santander UK Plc Not upheldBanking and creditMiss V complains that Santander charged her too much interest on her current account.backgroundMiss V has a current account with Santander. When she has been overdrawn it has charged her interest which she says is too much. The adjudicator did not recommend that the complaint should be... (2 pages)View decision -
Decision Reference DRN-3186096
11 Jan 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3186096 The complaint Mr P says the charges Santander UK Plc (“Santander”) applied for the use of his overdraft facility are unfair considering his personal circumstances. What happened Mr P complained to Santander that he was being charged excessive overdraft fees and that he has stru... (2 pages)View decision
