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-4469071
21 Nov 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4469071 The complaint Mr S complains that Zopa Bank Limited irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In March 2021, Mr S applied for a fixed sum loan with Zopa. He declared the loan was to be used to consolidate existing debts. The lo... (4 pages)View decision -
Decision Reference DRN-3181017
30 Nov 2021 Zopa Limited Not upheldConsumer CreditDRN-3181017 The complaint Miss M complains about a loan she took out with Zopa Limited (“Zopa”). In particular Miss M complains she could not afford the lending so Zopa acted irresponsibly in giving her the loan. What happened In September 2019 Miss M tells us she was not looking to apply ... (5 pages)View decision -
Decision Reference DRN-3293516
14 Mar 2022 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3293516 The complaint Mr M complains about Tesco Personal Finance Plc trading as Tesco Bank’s decision to lend to him. What happened I set out the background to Mr M’s complaint in the provisional decision which I issued earlier this year. But, for ease of reading, I will set out what ... (6 pages)View decision -
Decision Reference DRN-4836857
5 Jun 2024 Lendable Ltd UpheldConsumer CreditDRN-4836857 The complaint Miss B is complaining about Lendable Ltd because she says it lent irresponsibly when providing her a number of loans she couldn’t afford. What happened Between 2020 and 2023, Miss B took the following loans with Lendable: Loan 1 – November 2020 - £1,055 repayable... (5 pages)View decision -
Decision Reference DRN1063079
1 May 2020 Zopa Limited Not upheldBanking and creditMr T complains about the actions of Zopa Limited in respect of a loan he took out in 2014.backgroundMr T took out a loan of £20,360 with Zopa in March 2014 at an APR of 7.5%. It was repayable over 5 years with monthly repayments set in the region of £398. In December 2018 Mr T complained t... (4 pages)View decision
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