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-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-4605417
15 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4605417 Complaint Mr S has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says his existing debt meant that this loan was unaffordable for him. Background Zopa provided Mr S with a loan for £6,000.00 in October 2021. This loan had ... (3 pages)View decision -
Decision Reference DRN-5626335
28 Nov 2025 Plata Finance Limited Not upheldConsumer CreditDRN-5626335 The complaint Mr L, through his representative, complains that Plata Finance Limited trading as Zopa lent to him more than once when he could not afford to repay the loans. What happened Mr L took three loans. The table below gives a few details. Zopa has said that he took t... (3 pages)View decision -
Decision Reference DRN-5541225
1 Jul 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5541225 The complaint Mr W complains that Zopa Bank Limited lent to him irresponsibly. What happened In April 2022 Mr W applied for a credit card with Zopa. Zopa approved the application and gave Mr W a card with an initial credit limit of £300. In October 2022 the credit limit was ... (4 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-4172871
27 Sep 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4172871 Complaint Mr T has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it irresponsibly provided to him. He says the loan was unaffordable for him. Background Zopa provided Mr T with a loan for £1,900.00 in September 2021. This loan had an APR of 31.6% and... (3 pages)View decision -
Decision Reference DRN4703299
22 Oct 2019 Zopa Limited Not upheldBanking and creditMr R’s complaint is that Zopa Limited irresponsibly approved a loan of £10,000 to him in August 2015 which it ought to have known would be unaffordable for him. He seeks a refund of interest on the loan and of charges that may have been applied for missed or late payments.backgroundOne of ... (3 pages)View decision -
Decision Reference DRN-5769657
27 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5769657 The complaint Mr P complains that Zopa Bank Limited irresponsibly lent to him. What happened Mr P was approved for a Zopa credit card in October 2022, with a £600 credit limit. Mr P says this was irresponsibly lent to him. Mr P made a complaint to Zopa, who did not uphold hi... (3 pages)View decision -
Decision Reference DRN-5782502
12 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5782502 The complaint Mrs M complains that Zopa Bank Limited was irresponsible in its lending to her. She wants all the interest and charges paid on her loan refunded and the balance written off. What happened Mrs M was provided with a loan for £14,600 by Zopa in October 2023. The l... (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