Zopa Bank Limited
Financial Ombudsman decision DRN-4591860 Upheld
Upheldoutcome, as published by the Ombudsman
£700redress stated in the decision
Fri Apr 05deadline 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
Mr S complains Zopa Bank Limited provided him with an unaffordable credit card.Irresponsible lending
Zopa Bank Limited should also remove any adverse information recorded from October 2022 regarding this account from Mr S’s credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4591860.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.