Santander Cards UK Limited

Financial Ombudsman decision DRN4597813 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Apr 06deadline 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

Charges and fees, Credit file reporting, Complaint handling

In the Ombudsman’s words

unfairly incurred late payment chargesCharges and fees

adverse information wrongly registered on his credit fileCredit file reporting

Santander should have explained its position sooner than it didComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4597813.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.