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 182 results
-
Decision Reference DRN-5560351
7 Jul 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5560351 Complaint Ms R has complained Zopa Bank Limited (“Zopa”) irresponsibly provided a credit card to her. Background Zopa provided Ms R with a credit card with a limit of £300 in December 2020. One of our investigators reviewed what Ms R and Zopa had told us. And she thought Z... (2 pages)View decision -
Decision Reference DRN-4995100
2 Sep 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4995100 Complaint Mr V has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it ought to have realised was unaffordable for him. Background In November 2021, Zopa provided Mr V with a credit card which had a limit of £400. Mr V’s credit... (3 pages)View decision -
Decision Reference DRN-4912011
22 Jul 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4912011 Complaint Mr H has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it then increased the credit limit on, without checking his circumstances and when he was fighting a gambling addiction. Background In February 2022, Zopa prov... (3 pages)View decision -
Decision Reference DRN-3870334
27 Jan 2023 Plata Finance Limited Not upheldBanking and PaymentsDRN-3870334 The complaint Mr P complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In April 2021 Mr P entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit limi... (2 pages)View decision -
Decision Reference DRN-3214611
15 Dec 2022 Zopa Bank Limited Not upheldConsumer CreditDRN-3214611 Complaint Ms D has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided an unaffordable loan to her. Background Zopa provided Ms D with a loan in November 2020. The loan was for £3,000.00. The loan had a 24-month term and an APR of 26.5%. This meant that the total ... (2 pages)View decision -
Decision Reference DRN-4522384
22 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4522384 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him two credit cards he couldn’t afford to repay. What happened In February 2022 Mr E entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a ... (2 pages)View decision -
Decision Reference DRN-5493753
9 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5493753 Complaint Mrs K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Mrs K with a credit card with a limit of £1,000.00 in March 2022. The limi... (3 pages)View decision -
Decision Reference DRN-5428090
7 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5428090 Complaint Mr S has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. Background Zopa provided Mr S with a credit card which had a credit limit of £1,000.00 in March 20... (3 pages)View decision -
Decision Reference DRN-5394005
17 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5394005 Complaint Miss B has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says the credit card as well as the limit increase were irresponsibly provided. Background Zopa provided Miss B with a credit card with an initial limit of £1,200.00 in Decem... (3 pages)View decision -
Decision Reference DRN-5076872
15 Nov 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5076872 Complaint Mr S has complained about a credit card that Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card as it was unaffordable. So it was irresponsibly provided to him. Background In September 2023, Zopa provided Mr S wit... (3 pages)View decision
1 of 19
Next
