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-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 -
Decision Reference DRN-5472953
14 Jul 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5472953 The complaint Mr S complains that Zopa Bank Limited have irresponsibly lent to him. What happened Mr S was approved for a Zopa credit card in March 2023 with a £2,500 credit limit. He says it was irresponsible for Zopa to approve his application based on his credit history, ... (3 pages)View decision -
Decision Reference DRN-5318538
26 Feb 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5318538 The complaint Mr C complains that Zopa Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr C applied for a credit card in July 2022. In his application, Mr C said he was employed with an income of £20,000 and living with his parent... (2 pages)View decision -
Decision Reference DRN-4964350
14 Aug 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4964350 The complaint Ms H complains that Zopa Bank Limited lent irresponsibly when it approved a loan application she made. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In May 2022 Ms H applied for a deb... (3 pages)View decision -
Decision Reference DRN-4886335
5 Jul 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4886335 Complaint Mr T 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 as he already had a lot of debt as and a poor credit score. Background Zopa provided Mr T with a credit card with a credit lim... (3 pages)View decision -
Decision Reference DRN-5207678
30 Dec 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-5207678 The complaint Mr P complains that Zopa Bank Limited was irresponsible in its lending to him. He wants all interest and fees charged on the lending refunded along with interest and any adverse information removed from his credit file. Mr P is represented by a third party but ... (3 pages)View decision -
Decision Reference DRN-4371928
9 Oct 2023 Zopa Bank Limited Not upheldConsumer CreditDRN-4371928 Complaint Mrs M has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable and so shouldn’t have been provided. Background Zopa provided Mrs M with a loan for £1,500.00 in October 2022. This loan was due to be repaid in 24 monthly... (2 pages)View decision -
Decision Reference DRN-5373551
21 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5373551 The complaint Mr K complains that Zopa Bank Limited was irresponsible in its lending to him. What happened Mr K was provided with a £2,000 loan by Zopa in January 2020. The loan term was 12 months, and he was required to make monthly repayments of £191.52. Mr K said that at ... (2 pages)View decision -
Decision Reference DRN-5721204
29 Jul 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5721204 The complaint Mr P complains that Zopa Bank Limited irresponsibly agreed a loan for him. What happened Zopa agreed a loan of £2,000 for Mr P in late May 2021. The total amount owed was £2,260.21, to be repaid at £188.35 a month over 12 months. Mr P met his repayments and th... (3 pages)View decision -
Decision Reference DRN-5577570
16 Jun 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5577570 The complaint Mr F complains that Zopa Bank Limited was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr F is represented by a third party but for ease o... (3 pages)View decision
