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-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 -
Decision Reference DRN-4577722
9 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4577722 Complaint Ms J has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and the fact that she was on maternity leave at the time, and so it shouldn’t have been provided. Background Zopa provided Ms ... (3 pages)View decision -
Decision Reference DRN-3891063
27 Jan 2023 Zopa Bank Limited UpheldConsumer CreditDRN-3891063 Complaint Mr W has complained about a loan Zopa Bank Limited (trading as “Zopa”) provided to him. He says the loan was unaffordable and was therefore irresponsibly lent to him. Background Zopa provided Mr W with a loan for £10,000.00 in April 2021. This loan had an APR of 16.7%... (3 pages)View decision -
Decision Reference DRN-5542030
3 Jun 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5542030 The complaint Mr H complains that Zopa Bank Limited lent to him irresponsibly. What happened Mr H complains about the following loans he has with Zopa: Date Amount Loan term Repayment Loan 1 6 January 2020 £15,000 48 months £443.08 Loan 2 7 January 2021 £1,0000 36 months £37.67... (3 pages)View decision -
Decision Reference DRN-4786114
13 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4786114 The complaint Miss T complains that Zopa Bank Limited irresponsibly agreed a loan for her. What happened Zopa agreed a loan of £7,000 for Miss T in November 2019. The total amount owed was £10,744.92 to be repaid in 36 instalments of £298.47. Miss T complained to Zopa that it w... (3 pages)View decision -
Decision Reference DRN-4572233
14 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4572233 Complaint Miss O has complained about a loan Zopa Bank Limited (“Zopa”) provided to her. She says the loan was unaffordable, because of her existing debt and financial position, so she shouldn’t have been lent to. Background Zopa provided Miss O with a loan for £8,000.00 in Dec... (3 pages)View decision -
Decision Reference DRN-4489277
18 Jan 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4489277 The complaint Miss D complains that Zopa Bank Limited lent irresponsibly when it approved her credit card application. What happened In July 2022 Miss D applied for a credit card with Zopa. In her application, Miss D said she was employed with an income of £37,000. Miss D also ... (3 pages)View decision -
Decision Reference DRN-4993355
11 Sep 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4993355 The complaint Mr W complains that Zopa Bank Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in July 2024. In that decision I explained why I didn’t think the complaint should be upheld. Both parties have receive... (4 pages)View decision -
Decision Reference DRN-4999288
4 Sep 2024 Zopa Bank Limited UpheldBanking and PaymentsDRN-4999288 The complaint Mr D says Zopa Bank Limited irresponsibly lent to him. What happened Mr D took out a credit card from Zopa in February 2023. He was given a credit limit of £1,000. He says he should not have been given the card as he had recently opened four new accounts and he... (3 pages)View decision -
Decision Reference DRN-3953538
21 Feb 2023 Plata Finance Limited Not upheldConsumer CreditDRN-3953538 Complaint Mr R has complained about a personal loan which he says Zopa Limited (trading as “Zopa”) unfairly brought about for him. He says the loan was unaffordable and was therefore provided irresponsibly. Background Zopa operated the electronic system in relation to lending w... (3 pages)View decision
