I've had some credit troubles in the past, which are thankfully behind me now, but of course my credit history will record the difficulties I faced for six years from when I resolved the situation. Write a review. | Read 81-100 Reviews out of 14,567 I spoke to a customer advisor who told me it would take 7 days to sort the issue out. Very disappointed with this company - Ratesetter was far more transparent and it was much easier to get back your money. We're here to help We can't take applications over the phone. How do I activate my credit card? Your customer service has been fantastic when I needed you. Here, Which? It’s worth noting that the top credit cards for those with bad credit all charge fees for usage abroad. The credit card offers fee-free spending abroad and innovative features such as allowing customers to put aside a pot of cash for emergency spending. I have had more than one loan with Zopa over the years and customer service has always been excellent. Zopa Limited is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (718925). Will use again. But with lockdown measures in England from 5 November and the furlough scheme having been extended, the FCA has set out proposals to extend payment holidays on credit products for up to six months. Yes No. The APR is the interest you will pay unless you pay off the balance in full each month. Check out what 14,721 people have written so far, and share your own experience. It also gives balance updates after purchases showing how much credit you’ve got left and instant notifications on purchases. By July this year, UK Finance found 1.05 million people had been given payment holidays on their credit cards over three months. Zopa’s digital bank offering remains in progress; currently, the first product to be launched will be a savings account. You can’t pay a day or a week early or their system recognises your payment as an additional payment and wants another in the agreed date. Check out what 14,567 people have written so far, and share your own experience. Do not use their credit card! Attempted to withdraw cash from an ATM with my new Zopa Credit Card and the transaction was blocked for some reason and just showed as “pending” on the app. Attempted to withdraw cash from an ATM with my new Zopa Credit Card and the transaction was blocked for some reason and just showed as “pending” on the app. We're unable to conduct all the research and checks on data voracity that we do today. Just to quote the latest figures from our statements;A/C 1: Interest Earned: £111.96 Bad Debts: £120.77A/C 2: Interest Earned: £261.26 Bad Debts: £119.26A/C 3: Interest Earned: £53.14 Bad Debts: £33.49I did bother just the once to ring the Help Desk to query these figures but was 'blinded' with yet more figures and assured that it wasn't as bad as it looked (and I wasn't as green as I sounded). To consolidate one or more existing Zopa loans. Why do I see “Hmm, we’ve got a technical problem” when I try to apply? “Zopa are declining, I absolutely prefer Ratesetter” Written on: 25/03/2017 by xsCarey186 (1 review written) I took out a loan from Zopa, upon experiencing financial difficulty I spoke with the Collections team to make them aware of my difficulties due to being made redundant. Which? My account is blocked, how do I unblock it? Brilliant service! Was this helpful? Coronavirus has had a massive impact on people’s finances, with many people having to borrow money to pay essential costs, or struggling to repay what they owe. At the end of last year, it raised £140m from US investor IAG Capital to secure its licence, which was officially granted in June 2020. Source: Which? Zopa’s move into banking. All rights reserved. I took one of their credit cards products with a low limit to try and help my credit rating. All in all a good experience. Open the Zopa app and click the credit card tab. Zopa has 75,000+ active investors who have lent over £3 billion […] looks at what the credit card offers and if it’s worth trying. I did want to borrow more near the end but was declined by zopa so found another lender. 4.8. zopa.com. Zopa is a marketplace based in London, . UK residents only. Calls may be monitored or recorded. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. Find an alternative lender that deserves a better review than I have if ZOPA Customer IDa61b642b1f51, I applied for the loan when I was in a desperate situation and Zopa was straight forward and no hassle to apply or receive the money. We've turned off re-investing and withdraw money as soon as it hits the Holding Account but it will be a slow and costly (to us) process. Awaiting my last payment to come out having requested to pay it off early but would deal again. Issue still not resolved so rang in again Thursday and issue still not resolved. I didn't think that I had a good enough credit score to get a loan, but Zopa were really clear and upfront with how they could help.I have found their staff polite and helpful, and they really do send your money quickly! I contacted customer service last Saturday and was seating a call back on Monday which didn’t happen so I called in. Email address. I had my quarterly updates which were very helpful to see how much is left. 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