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-5434953
28 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5434953 The complaint In summary, Mr D complains that Zopa Bank Limited, shouldn’t have provided him with a loan in 2017 that was unaffordable for him. In bringing his complaint, Mr D is represented by a business that I will refer to as S. What happened In January 2017 Zopa provide... (5 pages)View decision -
Decision Reference DRN-4707989
2 Apr 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4707989 The complaint Mr L complains that Zopa Bank Limited was irresponsible in its lending to him. Mr L is represented by a third party but for ease of reference I have referred to Mr L throughout this decision. What happened Mr L was provided with a £5,000 loan by Zopa in February 2... (2 pages)View decision -
Decision Reference DRN-2569346
8 Jul 2021 Zopa Limited Not upheldConsumer CreditDRN-2569346 Complaint Mr W has complained that Zopa Limited (“Zopa”) unfairly and irresponsibly arranged unaffordable loans for him. Background Zopa operated the electronic system in relation to lending which led to Mr W being provided with a first loan in March 2016. The loan was for £18... (5 pages)View decision -
Decision Reference DRN7860984
12 Dec 2018 Zopa Limited Not upheldInvestment and pensionsMrs M complains about how Zopa Limited (“Zopa”), a peer-to-peer lender, has managed and administered her investment account between January and June 2018.In particular Mrs M says she is unhappy with: the £407.71 of loan losses posted to her account in May 2018 th... (2 pages)View decision -
Decision Reference DRN-3881326
9 Jan 2023 Zopa Limited UpheldConsumer CreditDRN-3881326 Complaint Mrs A has complained that Zopa Limited (“Zopa”) unfairly brought about an unaffordable loan for her. Background Zopa operated the electronic system in relation to lending which led to Mrs A being provided with a loan in September 2018. The loan was for £4,000.00 and h... (4 pages)View decision -
Decision Reference DRN-5453767
19 May 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5453767 The complaint Mr Q complains that Zopa Bank Limited, trading as Zopa, incorrectly recorded his name on a Hire Purchase Agreement. He would like the mistake acknowledged, his name amended on the agreement, a reassessment of the contract and compensation for the emotional dis... (2 pages)View decision -
Decision Reference DRN-3172988
30 May 2022 Zopa Limited UpheldConsumer CreditDRN-3172988 Complaint Mr S has complained that Zopa Limited (“Zopa”) unfairly arranged an unaffordable loan for him. He says he was struggling financially and had a poor credit history and the payments to this loan were unaffordable. Background Zopa operated the electronic system in relati... (5 pages)View decision -
Decision Reference DRN-3801763
30 Nov 2022 Zopa Limited UpheldConsumer CreditDRN-3801763 Complaint Mr J has complained that Zopa Limited (“Zopa”) unfairly brought about an unaffordable loan for him. Background Zopa operated the electronic system in relation to lending which led to Mr J being provided with a loan in February 2017. The loan was for £12,000.00 and had... (5 pages)View decision -
Decision Reference DRN-3584017
15 Jul 2022 Zopa Bank Limited UpheldConsumer CreditDRN-3584017 Complaint Mr S has complained that Zopa Bank Limited (“Zopa”) provided him with an unaffordable loan. Background Zopa provided Mr S with a loan of £10,000.00 in June 2021. This loan had an APR of 28% and an 60-month term. This all meant the total amount repayable of £17,579.07,... (4 pages)View decision -
Decision Reference DRN-3098807
16 May 2022 Zopa Limited UpheldConsumer CreditDRN-3098807 Complaint Mr W has complained that Zopa Limited (“Zopa”) unfairly arranged an unaffordable loan for him. He says proper affordability checks would have shown the repayments to be high and more than he could afford. Background Zopa operated the electronic system in relation to l... (5 pages)View decision
