Zopa Bank Limited
Financial Ombudsman decision DRN-4878331 Upheld
Upheldoutcome, as published by the Ombudsman
£33,000redress stated in the decision
Fri Aug 23deadline 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
Credit file reporting, Product mis-sold
In the Ombudsman’s words
remove negative data, including the default, from Miss H’s credit recordCredit file reporting
Zopa assessed Miss H as able to repay a loan of £7,000. I believe some of the data they considered may well have been falsified.Product mis-sold
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4878331.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.