Zopa Bank Limited
Financial Ombudsman decision DRN-6206374 Upheld
Upheldoutcome, as published by the Ombudsman
£136redress stated in the decision
Mon Jul 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
Unauthorised transaction, Credit file reporting
In the Ombudsman’s words
I’m therefore persuaded the payments are unauthorised and that Zopa is liable for them.Unauthorised transaction
As part of reworking the account, Zopa Bank Limited should remove any adverse information reported on Mr F’s credit file caused by these payments.Credit file reporting
Rules cited
Consumer Credit Act 1974, Payment Services Regulations 2017
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6206374.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.