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
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Decision Reference DRN-4222235
7 Jul 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4222235 The complaint Mr H, who is represented by a third party, complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a hire purchase agreement (“agreement”) he couldn’t afford to repay. What happened In March 2021 Mr H acquired a used car (costing £14,799.00) financed b... (3 pages)View decision -
Decision Reference DRN-3781655
16 Nov 2022 Zopa Bank Limited Not upheldBanking and PaymentsDRN-3781655 The complaint Miss S complains that Zopa Bank Limited (‘Zopa’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 23 December 2021, Miss S’s credit card was opened by Zopa with an initial credit limit of £800. This credit limit was never inc... (2 pages)View decision -
Decision Reference DRN-5563232
16 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5563232 Complaint Mr D has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In February 2022, Zopa provided Mr D with a credit card which h... (3 pages)View decision -
Decision Reference DRN-5237920
7 Jan 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5237920 Complaint Mr H has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says that he kept taking further loans out to repay previous ones. Background Zopa provided Mr H with a loan for £2,500.00 in July 2021. This loan had an... (3 pages)View decision -
Decision Reference DRN-3908582
24 Feb 2023 Zopa Bank Limited Not upheldBanking and PaymentsDRN-3908582 The complaint Mr M complains that Zopa Limited (“Zopa”) irresponsibly granted him a credit card he couldn’t afford to repay. What happened In December 2021 Mr M entered into an agreement with Zopa to have access to credit by way of a credit card account. He was given a credit l... (2 pages)View decision -
Decision Reference DRN-4606402
8 Feb 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4606402 The complaint Miss M complains that Zopa Bank Limited (“Zopa”) irresponsibly gave her a credit card she couldn’t afford. What happened In April 2023 Miss M applied for and was approved for a Zopa credit card. She was given a credit limit of £1,200 for spending and an additional... (2 pages)View decision -
Decision Reference DRN-5424117
9 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5424117 Complaint Mr C has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In July 2021, Zopa provided Mr C with a credit card which had a... (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-5346493
7 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5346493 Complaint Mr H 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 H with a credit card which had a credit limit of £1,000.00 in August 2... (3 pages)View decision -
Decision Reference DRN-5485399
22 May 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5485399 Complaint Mr M has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In March 2022, Zopa provided Mr M with a credit card which had ... (3 pages)View decision
