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 158 results
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Decision Reference DRN-6051528
12 Feb 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6051528 The complaint Mrs B says Zopa Bank Limited irresponsibly lent to her. What happened Mrs B took out three loans from Zopa as set out below, all accounts are now closed. loandate value term in months monthly repayment 1 15/10/2021 £5,00024 £241.45 2 15/08/2022 £7,50028 £206.96... (4 pages)View decision -
Decision Reference DRN-6084873
22 Jan 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6084873 The complaint Mr J complains about a car supplied to him using a hire purchase agreement taken out with Zopa Bank Limited (“Zopa”). What happened Towards the end of November 2023, Mr J acquired a used car using a hire purchase agreement with Zopa. The car was over eight and... (4 pages)View decision -
Decision Reference DRN-6017125
15 Jan 2026 Zopa Bank Limited UpheldInvestmentsDRN-6017125 The complaint Ms L complains about the way Zopa Bank Limited dealt with a request to provide statements for her Peer-to-Peer (P2P) lending account. She says its handling of the situation has caused her hassle and frustration. What happened Ms L held a P2P lending account on... (3 pages)View decision -
Decision Reference DRN-6029322
9 Jan 2026 Zopa Bank Limited UpheldBanking and PaymentsDRN-6029322 The complaint Mr S complains about the level of service he received from Zopa Bank Limited in relation to a credit card application. What happened In March 2025, Mr S submitted a credit card application online. Before it could process the application, Zopa said it needed som... (3 pages)View decision -
Decision Reference DRN-6033459
30 Dec 2025 Zopa Bank Limited UpheldConsumer CreditDRN-6033459 The complaint Mr B complains about the quality of a car he acquired under a hire purchase agreement with ZOPA BANK LIMITED (Zopa). When I refer to what Mr B and Zopa said or did, it should also be taken to include things said or done on their behalf. What happened In Octob... (5 pages)View decision -
Decision Reference DRN-5896001
15 Dec 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5896001 The complaint Ms T is unhappy that Zopa bank has defaulted her hire purchase agreement. What happened Ms T was in arrears on her hire purchase agreement with Zopa. Because of this, she was paying her monthly repayments plus an extra amount to clear the arrears. In March her ... (3 pages)View decision -
Decision Reference DRN-5928224
8 Dec 2025 Zopa Bank Limited UpheldBanking and PaymentsDRN-5928224 The complaint Mr S complains that Zopa Bank Limited delayed the transfer of his individual savings account (ISA) from another provider. What happened On 15 April 2025, Mr S requested an ISA he held with another provider, V, to be transferred to Zopa. He was told the transfe... (2 pages)View decision -
Decision Reference DRN-5966280
2 Dec 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5966280 The complaint Miss K complains that Zopa Bank Limited was irresponsible in its lending to her. She wants all interest removed from her loans. What happened Miss K was provided with two loans by Zopa, the details of which are set out below. LoanDate Amount Term Monthly repaym... (5 pages)View decision -
Decision Reference DRN-5879614
12 Nov 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5879614 The complaint Mr N complains about the level of service and communication he received from Zopa Bank Limited in relation to a personal loan. What happened In January 2022, Mr N successfully applied for a personal loan with Zopa. The loan was for £2,500 to be repaid over a pe... (3 pages)View decision -
Decision Reference DRN-5735236
10 Nov 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5735236 The complaint Mr A complained that a car he acquired, using finance from Zopa Bank Limited, wasn’t of satisfactory quality. What happened On 1 May 2024, Mr A entered into a finance agreement with Zopa for a used car. But in the June, he reported issues with the car, and the ... (3 pages)View decision
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