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-6019902
2 Feb 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6019902 Complaint Miss W 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 bearing in mind her existing indebtedness. Background Zopa provided Miss W with a credit card w... (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-4271427
21 Sep 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4271427 The complaint Ms F complained that Zopa Bank Limited (“Zopa”) irresponsibly granted her a personal loan in April 2022 that she couldn’t afford to repay. What happened In April 2022, Ms F took out a loan of £16,000 over a term of 48 months, with a monthly repayment of £434.65. I... (3 pages)View decision -
Decision Reference DRN-4823891
30 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4823891 The complaint Mr M has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided a loan to him which he couldn’t afford to repay. What happened Zopa advanced Mr M a 36-month loan of £9,500 on 1 August 2019. The monthly repayments were £312.48 and the total repayable was... (4 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-4750326
10 May 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4750326 The complaint Mr E complains that Zopa Bank Limited (“Zopa”) irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr E entered into an agreement with Zopa to have access to credit with a credit card account. The account was opened in March 202... (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 -
Decision Reference DRN-5462374
14 Apr 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5462374 Complaint Ms K has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Ms K with a credit card with a limit of £200 in December 2021. The limit on... (3 pages)View decision