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 235 results
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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-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-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-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 -
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-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-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-5807312
2 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5807312 Complaint Mr E 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 January 2022, Zopa provided Mr E with a credit card which ha... (3 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