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-3965194
22 Feb 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3965194 Complaint Mr S has complained that Zopa Bank Limited (“Zopa”) unfairly provided him with unaffordable loans. Background Zopa provided Mr S with a first loan in July 2020. The loan was for £2,000.00 and was initially due to be repaid in 12 months. Mr S settled this loan early be... (8 pages)View decision -
Decision Reference DRN-3825614
29 Nov 2022 Zopa Limited UpheldConsumer CreditDRN-3825614 Complaint Mr C has complained that Zopa Limited (“Zopa”) unfairly arranged for him to be provided with unaffordable loans. He says the appropriate checks weren’t carried out and this led to him being provided with unaffordable loans. Background Zopa operated the electronic syst... (9 pages)View decision -
Decision Reference DRN-4866797
8 Jul 2024 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4866797 Complaint Mr G has complained about a loan Oakbrook Finance Limited (trading as “Likely Loans”) provided to him. He says he shouldn’t have been lent to and this would have been apparent had his credit file been looked at properly. Background Likely Loans provided Mr G with a lo... (2 pages)View decision -
Decision Reference DRN-6059141
15 Jan 2026 Lendable Ltd Not upheldBanking and PaymentsDRN-6059141 The complaint Miss M complains that Lendable Ltd trading as Zable lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss M applied for a Zable credit card in March 2024. In her application, Miss M gave a net monthly... (3 pages)View decision -
Decision Reference DRN-4485473
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4485473 The complaint Mr A complains Zopa Bank Limited lent irresponsibly by approving two loan applications he made. What happened Mr A applied for a loan of £10,000 over 36 months with Zopa in December 2016. The reason for the loan was given as debt consolidation. In his application,... (3 pages)View decision -
Decision Reference DRN-6014604
29 Jan 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6014604 The complaint Mr F complains that Zopa Bank Limited irresponsibly lent to him. What happened Mr F applied for a Zopa credit card via a credit broker. He says he declared a total income of £33,865 (which included benefits), and he declared he had three people financially depe... (3 pages)View decision -
Decision Reference DRN-5591293
22 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5591293 The complaint Mr L complains that Zopa Bank Limited, lent to him irresponsibly when they provided him with a personal loan. What happened Mr L applied for a personal loan with Zopa Bank. His application was approved, and in October 2023, he was provided with a loan of £4,00... (3 pages)View decision -
Decision Reference DRN-3518447
7 Jun 2022 Zopa Bank Limited UpheldConsumer CreditDRN-3518447 Complaint Mr M is unhappy with what Zopa Bank Limited (“Zopa”) agreed to do to put things right after he complained that it irresponsibly provided him with a loan. Background While Zopa never agreed with Mr M’s complaint, it eventually agreed to write off the outstanding balanc... (2 pages)View decision -
Decision Reference DRN-5896392
5 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5896392 The complaint Miss B complains that Zopa Bank Limited irresponsibly provided her with a loan. Miss B is supported in bringing this matter by a representative. But, for ease, I’ll refer to actions and submissions as being those of Miss B herself. What happened In September ... (2 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