Zopa Limited

Financial Ombudsman decision DRN-3901896 Upheld

Upheldoutcome, as published by the Ombudsman

£25redress stated in the decision

Mon Feb 13deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mrs L complains that Zopa Bank Limited irresponsibly allowed her to open a credit card account which was unaffordable.Irresponsible lending

Mrs L says she would like her credit file amended and the amount she owes Zopa written off.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3901896.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.