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-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-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-5966280
2 Dec 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5966280 The complaint Miss K complains that Zopa Bank Limited was irresponsible in its lending to her. She wants all interest removed from her loans. What happened Miss K was provided with two loans by Zopa, the details of which are set out below. LoanDate Amount Term Monthly repaym... (5 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-4591860
8 Mar 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4591860 The complaint Mr S complains Zopa Bank Limited provided him with an unaffordable credit card. Mr S is represented by a claims management company, but for ease I’ll refer to all submissions as though they are his own. What happened Zopa Bank provided Mr S with a credit card with... (4 pages)View decision -
Decision Reference DRN-3270895
1 Feb 2022 Zopa Limited Not upheldConsumer CreditDRN-3270895 The complaint Mr L complains that Zopa Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in December 2021. In that decision I explained why I didn’t think the complaint should be upheld. Both parties have received a ... (2 pages)View decision -
Decision Reference DRN-4679424
16 Apr 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4679424 The complaint Miss L complains that Zopa Bank Limited (“Zopa”) provided her with credit that she couldn’t afford to repay. What happened Zopa approved a loan of £5000 for Miss L in November 2022. The loan was to be repaid at £162.42 per month over a 48 month period. Miss L comp... (3 pages)View decision -
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-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