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-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-4554531
30 Jan 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4554531 The complaint Mr J has complained that Zopa Bank Limited trading as Zopa acted irresponsibly when it approved him for a £6,000 loan in June 2023. Background Mr J applied for a £6,000 loan with Zopa on 3 June 2023. He said that he has struggled with compulsive gambling and the l... (2 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-2649890
6 May 2021 Zopa Bank Limited UpheldConsumer CreditDRN-2649890 The complaint Ms M complains that Zopa Bank Limited (Zopa) lent to her irresponsibly. What happened Ms M applied online for two loans from Zopa. In April 2016 Zopa gave Ms M a loan of £3,000 over 24 months. In February 2017, Zopa gave her a loan of £6,250 over 36 months as belo... (3 pages)View decision -
Decision Reference DRN-5316288
11 Mar 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5316288 The complaint Mrs L complains that Zopa Bank Limit trading as Zopa gave her a credit card with a limit she couldn’t afford to repay. What happened In April 2023 Mrs L applied for a credit card from Zopa. Her application was successful and she was given a £500 limit. Mrs L ha... (2 pages)View decision -
Decision Reference DRN-4363236
25 Mar 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4363236 The complaint Mr H complains that Zopa Bank Limited irresponsibly lent to him. What happened Zopa gave Mr H access to a loan in August 2018. The loan was for £18,000, Mr H also had to pay £110 in fees. The loan was due to be repaid in 60 monthly instalments of £431.21. Mr H str... (3 pages)View decision -
Decision Reference DRN-4028189
13 Apr 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4028189 The complaint Miss C complains that Zopa Bank Limited irresponsibly gave her a peer-to-peer loan she couldn’t afford. What happened In April 2022, Miss C applied for a peer-to-peer loan through Zopa for £20,000. She was required to pay 60 monthly repayments of £486.48. In June ... (3 pages)View decision -
Decision Reference DRN-4001303
21 Mar 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4001303 The complaint Mr W is unhappy Zopa Bank Ltd is pursuing him for a loan applied for in his name as part of a scam. What happened The background to this complaint is well known to both parties, so I’ll only refer to some key events here. In May 2022 Mr W was unfortunately caught ... (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