Zopa Bank Limited
Financial Ombudsman decision DRN-4580110 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Mar 04deadline 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
Unauthorised transaction, Irresponsible lending
In the Ombudsman’s words
Mrs C complains that Zopa Bank Limited (“Zopa”) are unfairly holding her liable for a loan that she says she didn’t take out.Unauthorised transaction
Mrs C submits that Zopa should’ve never granted the loan in the first place as it should’ve been apparent that she could not afford to repay it.Irresponsible lending
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4580110.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.