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 172 results
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Decision Reference DRN-6318351
27 Apr 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6318351 The complaint Mr K complains that Zopa Bank Limited (“Zopa”) lent to him irresponsibly and that the loan was unaffordable. I’ve issued a provisional decision on this complaint. Zopa didn’t reply. Mr K has provided a detailed submission to this service for which I am gratefu... (3 pages)View decision -
Decision Reference DRN-6164429
16 Apr 2026 Zopa Bank Limited UpheldBanking and PaymentsDRN-6164429 The complaint Mr A has complained Zopa Bank Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened When he was just 18 years old, Mr A opened an account with Zopa in July 2025 to sell tickets. His main account was held with an... (3 pages)View decision -
Decision Reference DRN-6268751
1 Apr 2026 Zopa Bank Limited UpheldBanking and PaymentsDRN-6268751 The complaint Miss G complains that Zopa Bank Limited (Zopa) lent to her irresponsibly by failing to make appropriate affordability checks before offering her a credit card. What happened Miss G applied for and was granted the following credit card from Zopa: Date Event Cr... (5 pages)View decision -
Decision Reference DRN-6258008
27 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6258008 The complaint Mrs W complains that Zopa Bank Limited lent irresponsibly when it approved three loan applications she made. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mrs W applied for a consolida... (5 pages)View decision -
Decision Reference DRN-6032582
27 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6032582 The complaint Mr W complains that a car acquired through a hire purchase agreement with Zopa Bank Limited (ZBL) was misrepresented to him. What happened In January 2025, Mr W entered into a hire purchase agreement with ZBL to acquire a used car. The car was just over seven ... (4 pages)View decision -
Decision Reference DRN-6225248
16 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6225248 The complaint Zopa Bank Limited (“Zopa”) provided Mr D with a loan for £2,000 in July 2025. This was to be paid back at £108 a month over 24 months. Mr D says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, ... (3 pages)View decision -
Decision Reference DRN-6156544
11 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6156544 The complaint Mr M complains that Zopa Bank Limited defaulted his loan account whilst he was in a payment arrangement. What happened On 22 April 2023 Mr M took out a loan with Zopa for £10,500. The contractual monthly repayments were £282.32. In 2024 the account fell into ar... (3 pages)View decision -
Decision Reference DRN-6208343
9 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6208343 The complaint Mr S complains that Zopa Bank Limited (Zopa) irresponsibly provided him with two loans. What happened Zopa provided Mr S with two loans as follows: Date Loan amount Interest rate Period Monthly repayment May 2023£13,000 (Loan One) 26.6% 60 months £372.87 Octo... (4 pages)View decision -
Decision Reference DRN-6190903
6 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6190903 The complaint Miss H complains about a car supplied to her using a hire purchase agreement taken out with Zopa Bank Limited (“Zopa”). What happened In January 2025, Miss H acquired a used car using a hire purchase agreement with Zopa. The car was over nine years old, the ca... (5 pages)View decision -
Decision Reference DRN-6204430
6 Mar 2026 Zopa Bank Limited UpheldConsumer CreditDRN-6204430 The complaint Mr C complains Zopa Bank Ltd irresponsibly lent to him. What happened Zopa provided Mr C with a total of four loans. I will refer to these as Loans 1, 2, 3 and 4. In September 2025, Mr C complained to Zopa about its decision to lend to him. His reasons for do... (8 pages)View decision
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