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-5937128
17 Feb 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-5937128 The complaint Zopa Bank Limited (‘Zopa’) provided Mr L with a personal loan in December 2024. The loan was for £15,000 and was to be repaid by way of 48 monthly repayments of £465.86. Mr L says the loan was provided irresponsibly. What happened The details of this complaint... (2 pages)View decision -
Decision Reference DRN-5901424
12 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5901424 The complaint Zopa Bank Limited (Zopa) provided Mrs N with a loan of £17,000 for home improvements in 2021. Mrs N says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The f... (2 pages)View decision -
Decision Reference DRN-5921590
9 Dec 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5921590 The complaint Zopa Bank Limited provided Mr T with a loan for £15,000 in 2021 and a loan for £20,000 in 2022. Mr T 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. The ... (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-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-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-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-4785247
5 Jun 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4785247 The complaint Miss M complains that Zopa Bank Limited lent irresponsibly when it approved a loan for £12,000. What happened In February 2022 Miss M applied for a £12,000 loan with Zopa. Zopa says the application was made for debt consolidation purposes. In her application, Miss... (3 pages)View decision