Santander UK Plc
Financial Ombudsman decision DRN-6050383 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Mar 26deadline to accept (not the decision date)
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
Irresponsible lending, Charges and fees
In the Ombudsman’s words
Miss T complains that Santander UK Plc (Santander) was irresponsible in granting her a personal current account overdraft, as it was unaffordable for her.Irresponsible lending
I think the fairest outcome is for Santander UK Plc to: • Rework Miss T’s current overdraft balance so that all interest, fees and charges applied to it from September 2024 onwards are removed.Charges and fees
Rules cited
FCA CONC (Consumer Credit sourcebook), Financial Services and Markets Act 2000
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6050383.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.