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-4954983
23 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4954983 The complaint Ms G complains that Zopa Bank Limited irresponsibly lent to her. What happened Ms G was approved for a Zopa personal loan in April 2023 for £25,000. She was approved for another Zopa personal loan in November 2023 for £10,000. Ms G says Zopa irresponsibly lent ... (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 -
Decision Reference DRN-4939657
5 Aug 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4939657 Complaint Mr W has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says he shouldn’t have been provided with a credit card as it was unaffordable. Background Zopa provided Mr W with a credit card with a limit of £5,000.00 in August 2022. The cr... (3 pages)View decision -
Decision Reference DRN-4465802
27 Feb 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4465802 The complaint Miss J complains that Zopa Bank Limited trading as Zopa irresponsibly provided her with a fixed sum loan which was unaffordable for her. What happened In October 2021 Miss J applied for a fixed sum loan for £10,000 from Zopa for the purpose of consolidating her de... (4 pages)View decision -
Decision Reference DRN-5188301
10 Dec 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5188301 Complaint Mr D 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 and he couldn’t afford to take on this extra commitment. ... (3 pages)View decision -
Decision Reference DRN-5421688
30 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5421688 The complaint Mr M complains Zopa Bank Ltd (‘Zopa’) irresponsibly lent to him. What happened Zopa provided Mr M with a single loan in September 2020. The loan was for £3,000 and was due to be repaid by 36 monthly payments of £111.44. The total amount to be repaid by the end... (4 pages)View decision -
Decision Reference DRN-5234497
15 Jan 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5234497 Complaint Ms R has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says the credit card as well as the limit increase were irresponsibly provided. Background Zopa provided Ms R with a credit card with an initial limit of £400 in December 2021.... (3 pages)View decision -
Decision Reference DRN-5466124
15 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5466124 The complaint Mr S complains Zopa Bank Limited (Zopa) acted irresponsibly in agreeing to lend to him. And that they’d failed in sending him correspondence about his account. What happened In October 2021 Mr S applied for a credit card account with Zopa. His application was s... (3 pages)View decision -
Decision Reference DRN-5616309
4 Aug 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5616309 Complaint Mrs B 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 Mrs B with a credit card with a limit of £300 in December 2021. The li... (3 pages)View decision -
Decision Reference DRN-4936134
31 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4936134 Complaint Miss S has complained about a personal loan Zopa Bank Limited (“Zopa”) which she says it unfairly lent to her. She says that she was heavily in debt to other creditors and sufficient checks would have shown that her financial situation was not right for further len... (3 pages)View decision
