Zopa Bank Limited
Financial Ombudsman decision DRN-4261841 Partly upheld
Partly upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jul 20deadline 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
APP scam refund refused, Credit file reporting
In the Ombudsman’s words
Ms S has complained that Zopa Bank Limited are holding her liable for a debt which she says was the result of ID theft.APP scam refund refused
Our investigator looked into things independently and thought that Zopa could hold Ms S liable for the principal of the loan, but not the interest or fees, and nor should they report it on her credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4261841.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.