Creditor, lender or debt-collection entity

Santander UK

Independent information on Santander UK plc, missed payments, repayment plans, financial support and complaints.

Santander UK publishes a Financial Support Hub for missed or expected payments on mortgages, loans, credit cards and current accounts. It says customers can review overdue amounts and, in appropriate cases, set up or manage repayment plans.

What role does Santander UK have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Santander UK plc is an active public limited company, company number 02294747. Santander states that it is authorised by the PRA and regulated by the FCA and PRA under Financial Services Register number 106054.

Santander UK plc states that it is authorised by the PRA and regulated by the FCA and PRA under Financial Services Register number 106054.

Contacting Santander UK

Use Santander’s official app, Financial Support Hub or published support routes. Confirm the product and overdue amount before making or changing a repayment arrangement.

If you want to complain

Santander publishes a formal complaints route for banking, credit-card, loan and mortgage issues and explains Financial Ombudsman escalation for eligible unresolved complaints.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Santander UK. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.