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-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 -
Decision Reference DRN-3149536
8 Dec 2021 Zopa Limited UpheldConsumer CreditDRN-3149536 The complaint Mr H says Zopa Limited lent to him irresponsibly. What happened Zopa operated the lending platform which gave Mr H a 36-month loan for £2,500 in June 2019. The monthly repayments were £106.59 and the total repayable was £3,837.24. Mr H says the loan was unaffordab... (3 pages)View decision -
Decision Reference DRN-4669988
23 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4669988 The complaint Mr B has complained through a representative that Zopa Bank Limited (“Zopa”) didn’t conduct sufficient affordability checks before it lent to him. What happened Zopa operated a lending platform which gave Mr B a 36-month loan for £10,000 on 11 November 20219. The ... (4 pages)View decision -
Decision Reference DRN-4933438
12 Sep 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4933438 The complaint Mr G, through his representative, complains that Zopa Bank Limited lent to him irresponsibly. What happened Mr G took two loans and this table gives some brief details. Loan Approved Amount Repayments Term Repaid 1 24 July 2019 £3,000 plus loan fee £181 18 mon... (5 pages)View decision -
Decision Reference DRN-6057975
6 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6057975 The complaint Mr M is unhappy Zopa Bank Limited provided him with a loan that was unaffordable. He’s represented in his complaint but, for ease, I’ve written as if we’ve dealt with him directly throughout. What happened Zopa provided Mr M with a loan for £22,200 in March 20... (4 pages)View decision -
Decision Reference DRN-3879624
14 Jul 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3879624 The complaint Mr M complains Zopa Bank Limited irresponsibly arranged him with two unaffordable loans. What happened Zopa Bank arranged the following loans for Mr M: Loan Date of loan Capital amount Term (months) Monthly repayments Total repayable value Loan 1 October 2020 £3,0... (4 pages)View decision -
Decision Reference DRN-4020312
21 Mar 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4020312 The complaint Mr W complains that Zopa Bank Limited was irresponsible to lend to him. What happened Mr W took out a £2,000 loan with Zopa on 26 December 2021. He needed to repay £56.94 per month for 60 months. Mr W says that if Zopa had carried out better checks it would have f... (4 pages)View decision -
Decision Reference DRN6776313
19 Mar 2018 Zopa Limited Not upheldBanking and creditMr W complains that Zopa Limited mis-sold him a loan.backgroundIn May 2016 Mr W borrowed £1,000 from Zopa. He had to repay this over three years, at about £40 a month. In November 2017 he complained to Zopa that he could not afford it, due to an addiction. He sa... (2 pages)View decision -
Decision Reference DRN-4676382
15 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4676382 The complaint Mr S, through his representative, complains that Zopa Bank Limited lent to him irresponsibly. What happened In December 2022 Mr S was approved for one loan from Zopa for £3,000, and the total to repay was £3,890.11. The repayments were £126.57 for the first one th... (4 pages)View decision -
Decision Reference DRN-4721834
2 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4721834 The complaint Mr B has complained that Zopa Bank Limited acted irresponsibly when it provided him with a credit card in July 2021. Background Mr B applied for a Zopa credit card in July 2021. His application was approved, and he was given a credit card with a £300 limit. At the... (3 pages)View decision