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-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-4355729
20 Sep 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4355729 The complaint Mr B has complained that Zopa Bank Limited (“Zopa”) acted irresponsibly when it provided him with a £10,000 loan in July 2021. Background Mr B was approved for a £10,000 loan from Zopa in July 2021. He has told us that he is a compulsive gambler and that the loan ... (3 pages)View decision -
Decision Reference DRN-4951391
8 Aug 2024 Plata Finance Limited UpheldConsumer CreditDRN-4951391 The complaint Mr B complains Plata Finance Limited (at the time trading as Zopa Limited) irresponsibly arranged a loan for him. Mr B’s complaint is being managed by a representative, but for ease I’ll refer to all submissions as though they are his own. What happened In Apr... (4 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-4818593
10 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4818593 The complaint Mr D is complaining about Zopa Bank Limited because he says it lent irresponsibly by giving him a loan he couldn’t afford. What happened Mr D applied for and was approved for a series of loans with Zopa as follows: Loan 1 - January 2022 - £5,000 with monthly repa... (3 pages)View decision -
Decision Reference DRN-3160192
22 Apr 2022 Zopa Limited UpheldConsumer CreditDRN-3160192 The complaint Miss B has complained that Zopa Limited acted irresponsibly when it provided her with two loans in 2015 and 2016. Background Miss B borrowed two unsecured loans from Zopa in late 2015 and again about six months later in early to mid-2016. The first loan was for £2... (3 pages)View decision -
Decision Reference DRN-4849799
12 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4849799 The complaint Ms S is being represented by a claims manager. She’s complaining about Zopa Bank Limited because she says it lent irresponsibly by providing her with a loan she couldn’t afford. What happened In October 2021, Ms S took a loan with Zopa for £10,000 over a term o... (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-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
