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-5439348
9 Apr 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5439348 The complaint Mr B complains that the overdraft charges Santander UK Plc applied to his account were unaffordable and contributed to his financial difficulties. What happened Mr B held a Santander current account which had an associated overdraft with a limit of £1,000. In... (3 pages)View decision -
Decision Reference DRN-5640369
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5640369 Complaint Mr H has complained about the overdraft charges Santander UK Plc (“Santander”) applied to his account. Mr H is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr H’s account were unfair as there w... (5 pages)View decision -
Decision Reference DRN-3329511
23 Feb 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3329511 Complaint Mrs B is unhappy with what Santander UK Plc (“Santander”) has agreed to do to put things right after she complained about the interest, fees and charges added to her overdraft. Background I’ve separately explained why I’m only able to look at the charges applied to Mr... (3 pages)View decision -
Decision Reference DRN-3381353
21 Mar 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3381353 Complaint Mr S and Ms S are unhappy with what Santander UK Plc (“Santander”) has agreed to do to put things right after they complained about unfair charges on their overdraft. Background As a result of our adjudicator’s involvement, Santander agreed that it should refund all t... (3 pages)View decision -
Decision Reference DRN-1469629
28 Jul 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1469629 The complaintMr O complains that Santander UK plc (Santander) made excessive charges to his account over the past 6 years and should have been aware he was experiencing financial difficulties. What happenedMr O holds a Graduate Account with Santander and feels over the past si... (3 pages)View decision -
Decision Reference DRN4315032
4 Jul 2017 Santander UK Plc Not upheldBanking and creditMrs W complains that Santander UK Plc (Santander) applied unfair charges on her current account at a time she was experiencing financial difficulty. She’s also unhappy with the accuracy of its text messaging service. backgroundIn February 2016 Mrs W started to experienc... (2 pages)View decision -
Decision Reference DRN-5615587
7 Jul 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5615587 Complaint Miss F 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 and trapped her in debt for nearly a decade. Background Miss F originally applied... (5 pages)View decision -
Decision Reference DRN1929303
27 May 2015 Santander UK Plc Not upheldBanking and creditMr W complains about £750 worth of bank charges that Santander UK PLC applied to his current account sometime around 2005/2006. He is also unhappy about the way the bank managed his loan account when he had difficulties keeping up the monthly repayments. And he compla... (3 pages)View decision -
Decision Reference DRN-4691435
11 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4691435 The complaint Mr M says Santander UK Plc (“Santander”) should not have provided him with an overdraft or limit increases as they were not affordable. He says Santander continued charging him excessive amounts for the overdraft when he was in financial difficulty. What happened ... (3 pages)View decision -
Decision Reference DRN6831212
9 Nov 2017 Santander UK Plc Not upheldBanking and creditMr K is unhappy about the adverse markers Santander UK Plc has placed on his credit file.backgroundMr K had a 16-18 account with Santander. It changed to an everyday current account when he reached 18. The new account had an overdraft facility and Mr K began to accr... (2 pages)View decision
