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-5207678
30 Dec 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5207678 The complaint Mr P complains that Zopa Bank Limited was irresponsible in its lending to him. He wants all interest and fees charged on the lending refunded along with interest and any adverse information removed from his credit file. Mr P is represented by a third party but ... (3 pages)View decision -
Decision Reference DRN-5837441
4 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5837441 The complaint Zopa Bank Limited (‘Zopa’) provided Miss A with a hire purchase agreement to purchase a car in 2022. The car had a cash price of £8,540 and Miss A borrowed £8,499.75. The repayments were £201.53 a month over the 60 month term, and she was due to repay a total o... (2 pages)View decision -
Decision Reference DRN-5850479
22 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5850479 The complaint Mrs O complains that Zopa Bank Limited (Zopa) lent to her irresponsibly by providing a consolidation loan in February 2024. What happened Mrs O applied for and was granted the following loan from Zopa: Date Amount of credit APR Loan term Monthly repayment Febr... (3 pages)View decision -
Decision Reference DRN-4489277
18 Jan 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4489277 The complaint Miss D complains that Zopa Bank Limited lent irresponsibly when it approved her credit card application. What happened In July 2022 Miss D applied for a credit card with Zopa. In her application, Miss D said she was employed with an income of £37,000. Miss D also ... (3 pages)View decision -
Decision Reference DRN-5801881
11 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5801881 The complaint Zopa Bank Limited (‘Zopa’) provided Mrs V with two loans. • Loan 1 was started in January 2024. Mrs V borrowed £8,000 and she was due to make 60 monthly repayments of £202.81. • Loan 2 was started in July 2024. Mrs V borrowed £6,000 and she was due to make 48 ... (3 pages)View decision -
Decision Reference DRN-4577722
9 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4577722 Complaint Ms J has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and the fact that she was on maternity leave at the time, and so it shouldn’t have been provided. Background Zopa provided Ms ... (3 pages)View decision -
Decision Reference DRN-5577570
16 Jun 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5577570 The complaint Mr F complains that Zopa Bank Limited was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr F is represented by a third party but for ease o... (3 pages)View decision -
Decision Reference DRN-5542030
3 Jun 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5542030 The complaint Mr H complains that Zopa Bank Limited lent to him irresponsibly. What happened Mr H complains about the following loans he has with Zopa: Date Amount Loan term Repayment Loan 1 6 January 2020 £15,000 48 months £443.08 Loan 2 7 January 2021 £1,0000 36 months £37.67... (3 pages)View decision -
Decision Reference DRN-5584851
17 Sep 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5584851 The complaint Miss O complains that Zopa Bank Limited trading as Zopa lent irresponsibly to her by giving her a loan she couldn’t afford to repay. What happened In March 2023 Zopa agreed a £10,000 loan. The loan was due to be repaid over 36 months with a monthly repayment of... (3 pages)View decision -
Decision Reference DRN-6053892
6 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6053892 The complaint Mr B says Zopa Bank Limited irresponsibly lent to him. What happened Mr B took out a loan for £1,000 over 24 months on 10 September 2025. The monthly repayments were £56.52 and the total repayable was £1,356.48. Mr B says Zopa’s lending decision was irresponsib... (3 pages)View decision