We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 131 results
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Decision Reference DRN-5614930
10 Jun 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5614930 The complaint Mr K is unhappy with the car he acquired under the hire purchase agreement with Zopa Bank Limited (Zopa). When I refer to what Mr K and Zopa have said or did, it should also be taken to include things said or done on their behalf. What happened On 4 February ... (6 pages)View decision -
Decision Reference DRN-5172898
9 Jun 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5172898 The complaint Mr W complains Zopa Bank Limited (Zopa) provided him with a car under a hire purchase agreement which wasn’t of satisfactory quality. What happened Mr W entered into a hire purchase agreement with Zopa in January 2024 to acquire a used car. The car was first r... (5 pages)View decision -
Decision Reference DRN-5566520
29 May 2025 Zopa Bank Limited UpheldBanking and PaymentsDRN-5566520 The complaint Mr S complains that Zopa Bank Limited failed to process a balance transfer to his new credit card. What happened Mr S holds a credit card with Zopa. In November 2024 Mr S took out a new credit card with NatWest and put in details to transfer the balance of £175... (3 pages)View decision -
Decision Reference DRN-5569000
22 May 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5569000 The complaint Mr A complains about the way that Zopa Bank Limited has dealt with the voluntary surrender of a car that was supplied to him under a hire purchase agreement. What happened A used car was supplied to Mr A under a hire purchase agreement with Zopa that he signed ... (3 pages)View decision -
Decision Reference DRN-5570609
19 May 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5570609 The complaint Mr B has complained about the quality of a car provided on finance by Zopa Bank Limited. What happened Zopa supplied Mr B with a used car on a hire purchase agreement in October 2022. The cash price of the car was around £3,000 and it had covered around 88,400... (8 pages)View decision -
Decision Reference DRN-5465810
12 May 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5465810 The complaint Mr B complains that Zopa Bank Limited sold a disputed debt to a third party debt collection agency (DCA) resulting in inaccurate adverse information on his credit file. What happened On 19 August 2019, Mr B took out a two-year £6,000 loan from Zopa, for which ... (3 pages)View decision -
Decision Reference DRN-5412051
2 May 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5412051 The complaint Mr R, who is represented in his complaint by his father, complains that Zopa Limited (‘Zopa’) irresponsibly agreed to give him finance he couldn’t afford to repay. What happened In July 2022, Mr R acquired a car financed by a fixed term hire purchase agreement... (3 pages)View decision -
Decision Reference DRN-5155309
30 Apr 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5155309 The complaint Mr O has complained Zopa Bank Limited is asking him to repay a personal loan he didn’t take out. What happened In December 2023, Mr O fell for a scam on social media. This was to enable him to get a Government-backed loan which he was told he wouldn’t need to r... (3 pages)View decision -
Decision Reference DRN-5371359
26 Mar 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5371359 The complaint Mrs W complains that Zopa Bank Limited (Zopa) acted irresponsibly by agreeing to two loans that Mrs W said she couldn’t afford to repay. What happened In August 2023 Mrs W applied for a £3,000 loan with Zopa repayable over 48 months at £105.33 a month. She said... (4 pages)View decision -
Decision Reference DRN-5406940
19 Mar 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5406940 The complaint Mr M complains about a car Zopa Bank Limited (“Zopa”) supplied to him under a hire purchase agreement wasn’t of satisfactory quality. What happened In September 2023 Zopa supplied a car to Mr M under a hire purchase agreement. It was about seven years old and h... (5 pages)View decision
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