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Santander UK Plc in Banking and credit

A curated public analysis of Santander UK Plc's published Financial Ombudsman decisions in Banking and credit, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

5,442 published FOS decisions involving Santander UK Plc in Banking and credit, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

5,442

Decision volume in this firm-product slice

Upheld rate

20.0%

1,086 upheld decisions

Latest published decision 02 Jul 2021

Published decisions

5,442

Decision volume in this firm-product slice

Upheld rate

20.0%

1,086 upheld decisions

Latest active year

2021

24 decisions

Leading complaint theme

Delay In Claim Handling

1,046 tagged decisions

Santander UK Plc in Banking and credit

Santander UK Plc appears in 5,442 published decisions in Banking and credit across this corpus. 20.0% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2021, with 24 published decisions and an upheld rate of 41.7%.

  • Leading complaint theme: Delay In Claim Handling
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal for Banking and credit: low

How the slice behaves over time

Santander UK Plc has a multi-year published decision trail in Banking and credit, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and credit remains a meaningful part of Santander UK Plc's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2021: 24 decisions, 41.7% upheld
  • 2020: 272 decisions, 27.9% upheld
  • 2019: 529 decisions, 18.3% upheld
  • 2018: 533 decisions, 18.6% upheld
  • 2017: 815 decisions, 18.9% upheld

Themes, precedent context, and handling implications

Delay In Claim Handling is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 4.5% of cases), review section 75 cca precedent (appears in 3.6% of cases), review conc precedent (appears in 1.5% of cases), and others.

  • Second complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN010932002 Jul 2021Not upheld

Santander UK Plc · Banking and credit

Ms C and others are executors for the late Mrs C’s estate. They bring a complaint against Santander UK Plc as it won’t refund money Mrs C lost when she fell victim to an investment scam. I’ll only refer to Ms C throughout, (and call her ‘the representative’ to avoid any confusion), as she... (9 pages)

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DRN603353724 Jun 2021Upheld

Santander UK Plc · Banking and credit

Complaint Mr and Mrs H complain in summary, that Santander UK Plc did not help them recover all the money they paid to a binary options trading platform using Mr H’s Santander VISA debit card. As Mr H had most of the dealings with Santander, for ease of reading, I’ll refer to all submissio... (3 pages)

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DRN120597922 Jun 2021Upheld

Santander UK Plc · Banking and credit

Ms S and Mr M complain about their mortgage with Santander UK Plc. They say that interest rates it offered them in 2019 weren’t competitive. And they say it should have offered them rates sooner – as they’ve been paying the standard variable rate (SVR) since 2011. background Ms S and Mr M ... (7 pages)

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DRN807988210 Jun 2021Not upheld

Santander UK Plc · Banking and credit

Mr M has complained that Santander UK Plc (Santander) mis-sold him a packaged bank account, called a 123 account. Mr M paid a monthly fee for the 123 account and received several potential benefits in return. He thinks that Santander should refund him the fees he paid and add interest. bac... (2 pages)

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DRN366334501 Jun 2021Upheld

Santander UK Plc · Banking and credit

Mr and Mrs B complain about the refusal of a mortgage application they made to Santander UK Plc. background Mr and Mrs B own a flat in a block on a shared ownership basis. They have a mortgage with another lender, and when they came to the end of a fixed rate decided to shop around with a ... (10 pages)

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