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-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-4417094
25 Oct 2023 Zopa Bank Limited UpheldConsumer CreditDRN-4417094 The complaint Mr E complained that Zopa Bank Limited (“Zopa”) irresponsibly granted him a personal loan in October 2021 that he couldn’t afford to repay. What happened In October 2021, Mr E took out a loan of £10,500 over 60 months, with a monthly repayment of £260.47 and an AP... (5 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-5822838
22 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5822838 The complaint Mrs H complains that Zopa Bank Limited (Zopa) irresponsibly lent to her. She says Zopa gave her two loans, which were unaffordable. What happened Mrs H’s application for a Zopa loan of £13,000, with monthly repayments of £472.03, over a term of 36 months, was ... (6 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-5777533
30 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5777533 The complaint Mr E has complained that Zopa Bank Limited were irresponsible in supplying him with two loans, in March and September 2024. What happened Zopa provided Mr E with a loan in March 2024 (loan one) for £1,000, repayable in equal instalments of around £100 per month... (2 pages)View decision -
Decision Reference DRN-5856574
29 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5856574 The complaint Mr C has complained that Zopa Bank Limited were irresponsible when providing him with a loan. What happened Zopa provided Mr C with a loan for £12,000 in June 2023, requiring monthly payments of around £400 per month for four years. Mr C says this was irrespons... (3 pages)View decision -
Decision Reference DRN-5940973
13 Feb 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5940973 The complaint Mr P complains that Zopa Bank Limited irresponsibly lent to him. What happened Mr P was approved for a Zopa credit card in May 2022, with a £500 credit limit. Mr P says this was irresponsibly lent to him. Mr P made a complaint to Zopa, who did not uphold Mr P’s... (3 pages)View decision