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-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 -
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-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-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-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-5785008
2 Oct 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5785008 The complaint Mr C complains that Zopa Bank Limited was irresponsible in its lending to him. What happened Mr C was provided with a £15,000 loan by Zopa in May 2024. The loan term was 60 months and Mr C was required to make monthly repayments of £347.69. Mr C said that Zopa ... (2 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-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-6053892
6 Jan 2026 Zopa Bank Limited Not upheldConsumer CreditDRN-6053892 The complaint Mr B says Zopa Bank Limited irresponsibly lent to him. What happened Mr B took out a loan for £1,000 over 24 months on 10 September 2025. The monthly repayments were £56.52 and the total repayable was £1,356.48. Mr B says Zopa’s lending decision was irresponsib... (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