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-4650438
6 Mar 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4650438 The complaint Miss B complains that Zopa Bank Limited (“Zopa”) irresponsibly gave her a loan she couldn’t afford. What happened In January 2022 Miss B applied for a loan with Zopa. She said the purpose of the loan was debt consolidation. She was approved for a loan of £13,000 w... (3 pages)View decision -
Decision Reference DRN-5693872
18 Jul 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5693872 The complaint Mr S complains Zopa Bank Limited (“Zopa”) irresponsibly lent him a credit card. What happened In October 2023 Mr S applied for a credit card with Zopa. The application was accepted, and he was provided with an initial limit of £600. The credit limit was never ... (3 pages)View decision -
Decision Reference DRN-4958347
10 Sep 2024 Plata Finance Limited Not upheldConsumer CreditDRN-4958347 The complaint Mr P complains that Plata Finance Limited under its trading name Zopa irresponsibly lent him personal loans. What happened Zopa lent Mr P three loans between June 2017 and July 2021, the loan details are as follows. Loan number Start date Loan amount (£) Te... (3 pages)View decision -
Decision Reference DRN-4489397
1 Dec 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4489397 The complaint Miss S complains that Zopa Bank Limited (‘Zopa’) irresponsibly granted her a fixed sum loan agreement she couldn’t afford to repay. What happened In November 2021, Miss S took out a loan with Zopa. Under the terms of the fixed sum loan agreement, Miss S was borrow... (3 pages)View decision -
Decision Reference DRN-4529140
25 Apr 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4529140 The complaint Mr M complains that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card and increased his credit limit. Mr M is supported in bringing his complaint by a representative but for ease I’ll refer to Mr M throughout. What happened Zopa provided Mr ... (5 pages)View decision -
Decision Reference DRN-5328727
10 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5328727 The complaint Mr C has complained about a loan Zopa Bank Limited provided to him. He says the loan was unaffordable and therefore shouldn’t have been given to him. Mr C is represented in bringing his complaint, but for ease I’ve written as if we’ve dealt directly with him th... (3 pages)View decision -
Decision Reference DRN-4996338
2 Sep 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4996338 Complaint Mr J has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says his existing debts and poor credit score meant that this loan was unaffordable for him. Background Zopa also provided Mr J with finance to acquire ... (4 pages)View decision -
Decision Reference DRN-4915330
18 Jul 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4915330 The complaint Mr M has complained with the help of a representative, that Zopa Bank Limited (“Zopa”) irresponsibly provided a loan to him which he couldn’t afford to repay. Mr M says Zopa didn’t conduct any affordability checks beyond asking about his employment status, inc... (4 pages)View decision -
Decision Reference DRN-4488661
22 Mar 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4488661 The complaint Mr A complains that Zopa Bank Limited (“Zopa”) irresponsibly gave him two loans. What happened Mr A successfully applied for a loan of £2,000 with Zopa in January 2022. The terms of the agreement were that Mr A would repay £58.02 over 48 months. He then successful... (4 pages)View decision -
Decision Reference DRN-4902117
18 Jul 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4902117 The complaint Mrs O has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided two loans to her because they weren’t affordable. Mrs O also says she had problems repaying loan 1 and so loan 2 ought not to have been granted. What happened A summary of Mrs O’s borr... (6 pages)View decision
