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Sener Erman

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Review of the Zopa, Credit card:

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Schizophrenic lunatics

I was unemployed last year for 5 months. I agreed a £25 per month payment plan with Zopa which was good at the time and should have ended in March 2026. I made all these payments on time. In February 2026, they then reneged on the arrangement and they said why have you gone into arrears? They then asked me to pay around £225 to make up the arrears. Then they whacked 5 missed payments onto my credit report and this sent my credit report down from 570 down to about 410 in one move. I had been spending the last 6 months building up my credit score by making regular payments with my creditors, but Zopa knocked 160 points off in one move, which will take another 6 months to build back up. They then cancelled the credit card. All this was done before my arrangement was going to come to an end on March 26th. Reviewed on: 9th April 2026

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