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 63 results
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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-4271427
21 Sep 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4271427 The complaint Ms F complained that Zopa Bank Limited (“Zopa”) irresponsibly granted her a personal loan in April 2022 that she couldn’t afford to repay. What happened In April 2022, Ms F took out a loan of £16,000 over a term of 48 months, with a monthly repayment of £434.65. I... (3 pages)View decision -
Decision Reference DRN-4823891
30 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4823891 The complaint Mr M has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided a loan to him which he couldn’t afford to repay. What happened Zopa advanced Mr M a 36-month loan of £9,500 on 1 August 2019. The monthly repayments were £312.48 and the total repayable was... (4 pages)View decision -
Decision Reference DRN-4750326
10 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4750326 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr E entered into an agreement with Zopa to have access to credit with a credit card account. The account was opened in March 202... (3 pages)View decision -
Decision Reference DRN-4465802
27 Feb 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4465802 The complaint Miss J complains that Zopa Bank Limited trading as Zopa irresponsibly provided her with a fixed sum loan which was unaffordable for her. What happened In October 2021 Miss J applied for a fixed sum loan for £10,000 from Zopa for the purpose of consolidating her de... (4 pages)View decision -
Decision Reference DRN-4489397
1 Dec 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4489397 The complaint Miss S complains that Zopa Bank Limited (‘Zopa’) irresponsibly granted her a fixed sum loan agreement she couldn’t afford to repay. What happened In November 2021, Miss S took out a loan with Zopa. Under the terms of the fixed sum loan agreement, Miss S was borrow... (3 pages)View decision -
Decision Reference DRN-4529140
25 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4529140 The complaint Mr M complains that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card and increased his credit limit. Mr M is supported in bringing his complaint by a representative but for ease I’ll refer to Mr M throughout. What happened Zopa provided Mr ... (5 pages)View decision -
Decision Reference DRN-4915330
18 Jul 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4915330 The complaint Mr M has complained with the help of a representative, that Zopa Bank Limited (“Zopa”) irresponsibly provided a loan to him which he couldn’t afford to repay. Mr M says Zopa didn’t conduct any affordability checks beyond asking about his employment status, inc... (4 pages)View decision -
Decision Reference DRN-4488661
22 Mar 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4488661 The complaint Mr A complains that Zopa Bank Limited (“Zopa”) irresponsibly gave him two loans. What happened Mr A successfully applied for a loan of £2,000 with Zopa in January 2022. The terms of the agreement were that Mr A would repay £58.02 over 48 months. He then successful... (4 pages)View decision -
Decision Reference DRN-4902117
18 Jul 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4902117 The complaint Mrs O has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided two loans to her because they weren’t affordable. Mrs O also says she had problems repaying loan 1 and so loan 2 ought not to have been granted. What happened A summary of Mrs O’s borr... (6 pages)View decision
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