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-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 -
Decision Reference DRN-5382328
14 Mar 2025 Zopa Bank Limited UpheldConsumer CreditDRN-5382328 The complaint Mr W 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 W a loan of £8,000 in November 2023. The loan had an APR of 13.9% and Mr W had to pay £2,311.37 worth of ... (5 pages)View decision -
Decision Reference DRN-4893015
8 Jul 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4893015 Complaint Mr T has complained that Zopa Bank Limited (“Zopa”) irresponsibly increased the credit limit on his credit card. He is also unhappy that his card wasn’t blocked when he called up and asked for this to happen. Background In March 2021, Zopa provided Mr T with a credit ... (7 pages)View decision -
Decision Reference DRN-4747391
17 Apr 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4747391 The complaint Mr M complains that Zopa Bank Limited (“Zopa”) unfairly entered into a credit agreement with him. He says that the credit card was unaffordable for him, and therefore he shouldn’t have been lent to. What happened In May 2022, Zopa provided Mr M with a credit card ... (3 pages)View decision -
Decision Reference DRN-5462842
16 Apr 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5462842 The complaint Mr O complains Zopa Bank Limited (“Zopa”) hasn’t given him 8% simple interest despite upholding his irresponsible lending complaint. What happened In July 2022 Mr O was provided with a loan for £6,000.00 from Zopa. The loan was due to run for 48 months. In 20... (3 pages)View decision -
Decision Reference DRN-1781844
26 Mar 2021 Zopa Limited Not upheldConsumer CreditDRN-1781844 The complaint Mr P complains that Zopa Limited (Zopa) lent to him irresponsibly. What happened In November 2017 Mr P applied on-line to Zopa for a £15,000 consolidation loan repayable over a four-year term. Zopa approved the loan and later that month the loan amount was paid in... (3 pages)View decision -
Decision Reference DRN-4207606
9 Jul 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4207606 The complaint Mr H complains that Zopa Bank Limited lent to him irresponsibly. What happened In November 2021 Mr H applied for a loan with Zopa. Zopa approved the application and gave Mr H a loan for £2500 with monthly repayments of £127.84. Mr H complained that Zopa had lent t... (2 pages)View decision -
Decision Reference DRN-4639116
5 Mar 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4639116 The complaint Mr H says Zopa Bank Limited irresponsibly lent to him. What happened Mr H took out a loan for £12,500 over 24 months on 22 June 2023. The monthly repayments were £628.80 and the total repayable was £15,091.29. Mr H complained to Zopa that the loan should never hav... (2 pages)View decision -
Decision Reference DRN8766803
15 May 2017 Zopa Limited Not upheldBanking and creditMr B complains that Zopa Limited (Zopa) was irresponsible when it lent him money in July and September 2016. Mr B is represented in this complaint by Ms C.backgroundIn mid July 2016, Mr B applied for a loan from Zopa for just over £2,000 to be repaid over two ... (4 pages)View decision -
Decision Reference DRN-5447402
2 Jun 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5447402 The complaint Miss C complains that Zopa Bank Limited lent to her when she could not afford it. What happened Miss C took two loans from Zopa. Loan Approved Amount Repayment terms status 1 3 November 2019 £4,500 + fee £280 £143 x 48 months Repaid early 9 March 2022 20 month ... (3 pages)View decision
