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Claim your Santander Credit Card refund

If you’ve had a credit card from this lender which you could not afford to repay, you could be entitled to claim compensation for unaffordable lending. Your case will be reviewed by our panel of legal firms who will be able to tell you how much you could be owed.

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Who are Santander?

From retail banking to mortgages and corporate banking, Santander offers a wide range of financial products and services including credit cards and wealth management. According to the brand’s UK site, Santander UK has lent 9.8bn in mortgages and has 14 million active and 7 million digital customers. A customer focused brand, Santander employs 23,500 people across the UK and paid £309m in corporation tax and £90m through the UK Bank Levy in 2019. The companies claimed Trustpilot page external link icon light blue has an overall ‘bad’ rating of 1.3 out of five.

What’s the current situation?

Santander UK made headlines in 2021 after announcing plans to close 111 branches by the end of August 2021, citing the ongoing digital shift as the driving force behind the significant decision.

In fact, the coronavirus pandemic played a key role in shaping the future of UK banking and services. For example, Santander’s UK branch transactions fell by 33% over the two years before the pandemic and declined by a further 50% in 2020. On the other hand, mobile and online transactions have grown by 20% each year, with almost two-thirds of overall transactions taking place digitally.

Over the last few years, banks such as Santander UK and other financial lenders have seen an influx of irresponsible lending claims in the form of unaffordable lending. With regard to card compensation, large brands could owe their clients compensation if it is deemed that the customer shouldn’t have been offered so much credit, had insufficient financial background checks or was treated unfairly.

For example, in October 2022 external link icon light blue, Santander was directed by the FCA to settle a customers credit card unaffordability complaint by following the following actions:

  • Rework the credit card balance so that all interest and charges applied from the inception of the account onwards are removed.
  • If an outstanding balance remains after the rework, Santander must agree an affordable repayment plan with Mrs. M.

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Being discreet is part of our business, our legal representatives will never discuss your case without your permission.

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So far we’ve handled over 10,000 cases and claimed back over £2,000,000 for our clients so you are in safe hands.

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We partner with specialist firms so your claim is handled by an expert who is familiar with your type of claim.

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Don’t Delay. Check Now.

Don’t miss out on £100’s or even £1,000’s in compensation you could be entitled to. Checking only takes 5 minutes, so why not do it now?

You do not need to use a claims management company to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service for free. Claims Bible does not charge you for our service, we may be paid a fee by the final supplier for any introductions. This will not impact on any costs incurred by you.