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
-
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-4884825
17 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4884825 The complaint Mr G complains that Zopa Bank Limited has irresponsibly lent to him. Mr G is represented by a Claims Management Company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr G himself. ... (3 pages)View decision -
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-5526783
10 Sep 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5526783 The complaint Miss S complains that Zopa Bank Limited (“Zopa”) irresponsibly provided her with a loan she couldn’t afford and it didn’t conduct sufficient affordability checks whilst she was struggling financially. What happened Zopa provided Miss S with a loan for £16,300 ... (4 pages)View decision -
Decision Reference DRN-5718082
1 Sep 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5718082 Complaint Mr S has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In October 2023, Zopa provided Mr S with a credit card which ha... (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-5718316
1 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5718316 The complaint Miss M complains that Zopa Bank Limited have irresponsibly lent to her. Miss M is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss M he... (2 pages)View decision -
Decision Reference DRN-5704183
4 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5704183 The complaint Mr M complains that Zopa Bank Limited (“Zopa”) irresponsibly lent to him. What happened Zopa provided Mr M with a personal loan in March 2024 for £7,500, with a total amount repayable of £10,597.07 over 48 months. The monthly payments were around £220. I unders... (4 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