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 167 results
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Decision Reference DRN-4866797
8 Jul 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4866797 Complaint Mr G has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says he shouldn’t have been lent to and this would have been apparent had his credit file been looked at properly. Background Likely Loans provided Mr G with a lo... (2 pages)View decision -
Decision Reference DRN-4485473
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4485473 The complaint Mr A complains Zopa Bank Limited lent irresponsibly by approving two loan applications he made. What happened Mr A applied for a loan of £10,000 over 36 months with Zopa in December 2016. The reason for the loan was given as debt consolidation. In his application,... (3 pages)View decision -
Decision Reference DRN-3518447
7 Jun 2022 Zopa Bank Limited UpheldConsumer CreditDRN-3518447 Complaint Mr M is unhappy with what Zopa Bank Limited (“Zopa”) agreed to do to put things right after he complained that it irresponsibly provided him with a loan. Background While Zopa never agreed with Mr M’s complaint, it eventually agreed to write off the outstanding balanc... (2 pages)View decision -
Decision Reference DRN-3181326
9 Dec 2021 Zopa Bank Limited Not upheldConsumer CreditDRN-3181326 The complaint Mrs H complains that Zopa Bank Limited irresponsibly granted her a loan she couldn’t afford to repay. What happened The background to what led Mrs H to apply for a loan with Zopa Bank Limited (‘Zopa’) is well-known to both parties so I won’t be outlining that in m... (4 pages)View decision -
Decision Reference DRN-3901896
16 Jan 2023 Zopa Bank Limited UpheldBanking and PaymentsDRN-3901896 The complaint Mrs L complains that Zopa Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Mrs L says she opened the Zopa credit card account in 2022 and says it was unaffordable. She says Zopa has agreed the account was u... (2 pages)View decision -
Decision Reference DRN-3681339
12 Oct 2022 Zopa Bank Limited UpheldConsumer CreditDRN-3681339 The complaint Mr C complains that Zopa Bank Limited irresponsibly lent to him. He says he couldn’t afford the loan he was lent. To put things right, he’d like Zopa to write off the debt and remove adverse information from his credit file. What happened Zopa lent Mr C a loan for... (2 pages)View decision -
Decision Reference DRN-5441320
8 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5441320 The complaint Mr W, through a representative, says Zopa Bank Limited irresponsibly lent to him. What happened Zopa operates the lending platform which gave Mr W a 36-month loan for £8,000 with a fee of £690 on 24 October 2022. The monthly repayments were £297.29 and the tota... (3 pages)View decision -
Decision Reference DRN-4828615
25 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-4828615 The complaint Mrs M complains that Zopa Bank Limited trading as Zopa is holding her liable for a loan which she says was taken out fraudulently in her name. What happened Around September 2023 Mrs M came across a company, C, claiming to offer a low-risk investment opportunit... (3 pages)View decision -
Decision Reference DRN-4677218
2 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4677218 The complaint Miss H complains that Zopa Bank Limited (Zopa) lent to her irresponsibly. What happened In December 2021, Miss H applied for a credit card from Zopa. It was agreed with a limit of £200. In July 2023, Zopa offered to increase the limit to £600. Date Limit January 2... (3 pages)View decision -
Decision Reference DRN-4785026
23 May 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4785026 The complaint Mr K is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing a loan he couldn’t afford. What happened In October 2013, Mr K took a loan for £3,000 with Zopa. The loan was repayable over 24 months with a monthly payment of £169. ... (2 pages)View decision
