Zopa Limited

Financial Ombudsman decision DRN8191275 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Thu Apr 15deadline 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 Y is unhappy that Zopa Limited are holding her liable for a loan which was obtained as a result of her falling victim to fraud.APP scam refund refused

Zopa also confirmed that as a result of failure to meet repayments, a default was registered against Ms Y’s credit file to reflect this.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8191275.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.