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
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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 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-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 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 -
Decision Reference DRN-5688982
11 Dec 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5688982 The complaint Mr D complains that Zopa Bank Limited trading as Zopa lent irresponsibly when it approved his credit card application. Mr D also complains that Zopa failed to identify his vulnerabilities and treated him unfairly. What happened Mr D applied for a Zopa credit c... (4 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-5592696
30 Sep 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5592696 The complaint Zopa Bank Limited provided Mr C with a £12,000 loan in May 2024 and a £10,000 loan in December 2024. Mr C says the loans were provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here.... (2 pages)View decision -
Decision Reference DRN-5966502
5 Jan 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5966502 The complaint Mr H complains that Zopa Bank Limited lent irresponsibly when it approved two credit card applications he made. What happened Mr H applied for a Zopa credit card (card 1) in September 2021. In his application, Mr H said he was employed with an annual income of... (3 pages)View decision