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Santander UK Plc

Financial Ombudsman decision DRN-4690929 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

I find that Santander should have undertaken reviews of Mr S’s overdraft usage. Based on reviews happening every year, I think that had a review taken place in September 2018, Santander would have realised that Mr S wasn’t using his overdraft for emergency or short term borrowing and that the account conduct suggested it had become unsustainable.Treatment in financial difficulty

Mr S complains that Santander UK Plc unfairly continued to apply interest and charges to his overdraft when he was in financial difficulty.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4690929.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.