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-5334942
25 Feb 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5334942 Complaint Mr R has complained about a credit card Zopa Bank Limited (trading as “Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In October 2023, Zopa provided Mr R with a credit ca... (3 pages)View decision -
Decision Reference DRN-4908408
22 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4908408 Complaint Mr G has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says that this loan was unaffordable for him. Background Zopa provided Mr G with a loan for £6,000.00 in February 2022. This loan had an APR of 20.5% and... (3 pages)View decision -
Decision Reference DRN-4271427
21 Sep 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4271427 The complaint Ms F complained that Zopa Bank Limited (“Zopa”) irresponsibly granted her a personal loan in April 2022 that she couldn’t afford to repay. What happened In April 2022, Ms F took out a loan of £16,000 over a term of 48 months, with a monthly repayment of £434.65. I... (3 pages)View decision -
Decision Reference DRN-4823891
30 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4823891 The complaint Mr M has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided a loan to him which he couldn’t afford to repay. What happened Zopa advanced Mr M a 36-month loan of £9,500 on 1 August 2019. The monthly repayments were £312.48 and the total repayable was... (4 pages)View decision -
Decision Reference DRN-5158903
25 Nov 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5158903 Complaint Mr M has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says the credit card was irresponsibly provided to him as he already had plenty of other debts and so it was unaffordable. Background Zopa provided Mr M with a credit card with... (3 pages)View decision -
Decision Reference DRN-5499504
9 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5499504 Complaint Mr R has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In December 2022, Zopa provided Mr R with a credit card which h... (3 pages)View decision -
Decision Reference DRN-4750326
10 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4750326 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr E entered into an agreement with Zopa to have access to credit with a credit card account. The account was opened in March 202... (3 pages)View decision -
Decision Reference DRN-5509816
23 Jun 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5509816 Complaint Miss K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Miss K with a credit card with a limit of £400 in June 2022. The limi... (3 pages)View decision -
Decision Reference DRN-5462374
14 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5462374 Complaint Ms K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Ms K with a credit card with a limit of £200 in December 2021. The limit on... (3 pages)View decision -
Decision Reference DRN-4884825
17 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4884825 The complaint Mr G complains that Zopa Bank Limited has irresponsibly lent to him. Mr G is represented by a Claims Management Company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr G himself. ... (3 pages)View decision
