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-3901896
16 Jan 2023 Zopa Bank Limited UpheldBanking and PaymentsDRN-3901896 The complaint Mrs L complains that Zopa Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable. What happened Mrs L says she opened the Zopa credit card account in 2022 and says it was unaffordable. She says Zopa has agreed the account was u... (2 pages)View decision -
Decision Reference DRN-5441320
8 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5441320 The complaint Mr W, through a representative, says Zopa Bank Limited irresponsibly lent to him. What happened Zopa operates the lending platform which gave Mr W a 36-month loan for £8,000 with a fee of £690 on 24 October 2022. The monthly repayments were £297.29 and the tota... (3 pages)View decision -
Decision Reference DRN-3681339
12 Oct 2022 Zopa Bank Limited UpheldConsumer CreditDRN-3681339 The complaint Mr C complains that Zopa Bank Limited irresponsibly lent to him. He says he couldn’t afford the loan he was lent. To put things right, he’d like Zopa to write off the debt and remove adverse information from his credit file. What happened Zopa lent Mr C a loan for... (2 pages)View decision -
Decision Reference DRN-4828615
25 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-4828615 The complaint Mrs M complains that Zopa Bank Limited trading as Zopa is holding her liable for a loan which she says was taken out fraudulently in her name. What happened Around September 2023 Mrs M came across a company, C, claiming to offer a low-risk investment opportunit... (3 pages)View decision -
Decision Reference DRN-4951391
8 Aug 2024 Plata Finance Limited UpheldConsumer CreditDRN-4951391 The complaint Mr B complains Plata Finance Limited (at the time trading as Zopa Limited) irresponsibly arranged a loan for him. Mr B’s complaint is being managed by a representative, but for ease I’ll refer to all submissions as though they are his own. What happened In Apr... (4 pages)View decision -
Decision Reference DRN-5875166
1 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5875166 The complaint Miss S complains Zopa Bank Limited (Zopa) approved a loan that was unaffordable. What happened Miss S says Zopa approved a loan of £11,000 for her in March 2024 at a time when she already had existing debts and an overdraft facility, so any new borrowing was un... (3 pages)View decision -
Decision Reference DRN-4677218
2 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4677218 The complaint Miss H complains that Zopa Bank Limited (Zopa) lent to her irresponsibly. What happened In December 2021, Miss H applied for a credit card from Zopa. It was agreed with a limit of £200. In July 2023, Zopa offered to increase the limit to £600. Date Limit January 2... (3 pages)View decision -
Decision Reference DRN-4785026
23 May 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4785026 The complaint Mr K is complaining about Zopa Bank Limited because he says it lent irresponsibly when providing a loan he couldn’t afford. What happened In October 2013, Mr K took a loan for £3,000 with Zopa. The loan was repayable over 24 months with a monthly payment of £169. ... (2 pages)View decision -
Decision Reference DRN-4514661
14 Dec 2023 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4514661 The complaint Miss D complains that Zopa Bank Limited irresponsibly gave her a credit card she couldn’t afford to repay. What happened In July 2022, Miss D applied for a credit card with Zopa. She was given an initial credit limit of £600 for purchases and a further £1,000 for ... (2 pages)View decision -
Decision Reference DRN-4487067
15 Dec 2023 Zopa Bank Limited UpheldBanking and PaymentsDRN-4487067 The complaint Mrs P complains that Zopa Bank Limited irresponsibly provided her with a credit card account she couldn’t afford. What happened In January 2023, Zopa opened a credit card account for Mrs P with a credit limit of £1,200. Later in 2023, Mrs P complained to Zopa that... (3 pages)View decision