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-5489188
28 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5489188 The complaint Mr B’s complaint is about two credit cards issued to him by Zopa Bank Limited in 2021 and 2023 respectively. Mr B says Zopa acted irresponsibly when it gave him the credit cards. To resolve the complaint Mr B would like Zopa to write off the balances, remove al... (3 pages)View decision -
Decision Reference DRN-5870473
9 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5870473 The complaint Miss C complains that Zopa Bank Limited (Zopa) acted irresponsibly when agreeing to lend to her. What happened Around October 2022 Miss C entered into a Fixed Sum loan agreement with Zopa for £7,500. After Annual Percentage Rate (APR) interest of 9.5% and char... (5 pages)View decision -
Decision Reference DRN-4666574
11 Mar 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4666574 The complaint Mr J complains that Zopa Bank Limited lent irresponsibly when it approved a loan application he made. What happened In March 2022 Mr J applied for £5,000 loan with Zopa. Mr J’s explained that during this time he was suffering with mental illness that meant he was ... (4 pages)View decision -
Decision Reference DRN-4961563
20 Aug 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4961563 The complaint Mr M complains that Zopa Bank Limited have irresponsibly lent to him. What happened Mr M was approved for a Zopa credit card in November 2022 with a £1,000 credit limit. He says it was irresponsible for Zopa to approve his application based on his credit histor... (3 pages)View decision -
Decision Reference DRN-5545252
10 Sep 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5545252 The complaint Mr P complains that Zopa Bank Limited lent to him when he could not afford it. He says that it lent to him irresponsibly. What happened Mr P took three loans from Zopa Bank and here is a table giving brief details. Loan Approved Amount Terms Status 1 19 April 2... (4 pages)View decision -
Decision Reference DRN-5776452
4 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5776452 The complaint Miss F complains that Zopa Bank Limited was irresponsible in its lending to her. She wants the interest on her loan reduced or removed. What happened Zopa issued Miss F with a £10,000 loan in November 2022. The loan term was 48 months, and Miss F was required t... (3 pages)View decision -
Decision Reference DRN-5738301
16 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5738301 The complaint Mrs M says Zopa Limited lent to her irresponsibly. What happened Mrs M took out a 48-month loan from Zopa for £20,000 in May 2023. The APR was 9.38% and the monthly repayments were £497.69. Mrs M says the loan was unaffordable for her, she was already in a lot ... (3 pages)View decision -
Decision Reference DRN-4496819
16 Feb 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4496819 The complaint Miss C says Zopa Bank Limited irresponsibly lent to her. What happened Miss C took out a 24-month loan for £15,000 in April 2022. The monthly repayments were £682.67 and the total repayable was £16,383.99. Miss C started to have problems making her repayments in J... (3 pages)View decision -
Decision Reference DRN-4148187
23 May 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4148187 The complaint Ms B says Zopa Bank Limited irresponsibly lent to her. What happened Zopa operates the lending platform which gave Ms B a 60-month loan for £20,000 in November 2015. The monthly repayments were £429.09 and the total repayable was £25,745.40. The loan defaulted in ... (3 pages)View decision -
Decision Reference DRN-5866147
9 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5866147 The complaint Mr C complains that Zopa Bank Limited lent to him irresponsibly. What happened Mr C took a loan from Zopa on the following terms: Date Amount Term Monthly repayment Total payable23 January 2024 £6,00048 months £193.28 £9,277.39 On 13 January 2025, Mr C compla... (5 pages)View decision