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
-
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-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-2343952
24 Mar 2021 Zopa Bank Limited Not upheldConsumer CreditDRN-2343952 The complaint Mr B complains that Zopa Bank Limited irresponsibly approved a fixed sum loan agreement that he couldn’t afford. What happened In October 2016, Mr B took out a fixed sum loan agreement from Zopa for £10,000, which was to be used to consolidate some of his existing... (4 pages)View decision -
Decision Reference DRN-4784372
22 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4784372 The complaint Mr R is complaining about Zopa Bank Limited because he says it lent irresponsibly by giving him a loan he couldn’t afford. What happened Following his application, in May 2013, Mr R was given a loan with Zopa for £15,000. The loan was repayable over 3 years with a... (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-4554531
30 Jan 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4554531 The complaint Mr J has complained that Zopa Bank Limited trading as Zopa acted irresponsibly when it approved him for a £6,000 loan in June 2023. Background Mr J applied for a £6,000 loan with Zopa on 3 June 2023. He said that he has struggled with compulsive gambling and the l... (2 pages)View decision -
Decision Reference DRN-2649890
6 May 2021 Zopa Bank Limited UpheldConsumer CreditDRN-2649890 The complaint Ms M complains that Zopa Bank Limited (Zopa) lent to her irresponsibly. What happened Ms M applied online for two loans from Zopa. In April 2016 Zopa gave Ms M a loan of £3,000 over 24 months. In February 2017, Zopa gave her a loan of £6,250 over 36 months as belo... (3 pages)View decision -
Decision Reference DRN-5316288
11 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5316288 The complaint Mrs L complains that Zopa Bank Limit trading as Zopa gave her a credit card with a limit she couldn’t afford to repay. What happened In April 2023 Mrs L applied for a credit card from Zopa. Her application was successful and she was given a £500 limit. Mrs L ha... (2 pages)View decision
