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-5346493
7 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5346493 Complaint Mr H has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says the credit card was irresponsibly provided to him as it was unaffordable. Background Zopa provided Mr H with a credit card which had a credit limit of £1,000.00 in August 2... (3 pages)View decision -
Decision Reference DRN-5412051
2 May 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5412051 The complaint Mr R, who is represented in his complaint by his father, complains that Zopa Limited (‘Zopa’) irresponsibly agreed to give him finance he couldn’t afford to repay. What happened In July 2022, Mr R acquired a car financed by a fixed term hire purchase agreement... (3 pages)View decision -
Decision Reference DRN-5485399
22 May 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5485399 Complaint Mr M 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 March 2022, Zopa provided Mr M with a credit card which had ... (3 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-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-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-5861703
30 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5861703 The complaint Ms W complains that Zopa Bank Limited (‘Zopa’) irresponsibly agreed to give her finance she couldn’t afford to repay. What happened In February 2023 Ms W acquired a used car financed by a fixed term hire purchase agreement from Zopa. Ms W was borrowing £19,500... (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-4930111
2 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4930111 Complaint Mr W has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says that this loan was provided when he already had significant existing debts and poor credit. Background Zopa provided Mr W with a loan for £6,000.00 ... (3 pages)View decision