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Kay Carter-Phillips

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Review of the Zopa, Personal Loan:

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More than just a loan number

The Zopa app is great for managing loan progress, repayments and additional borrowing options. There appears to be a commitment from Zopa to improve and extend the customer relationship. They appear to offer several banking products designed for customers who may not satisfy high street criteria. Reviewed on: 14th April 2024

Review of the Nationwide, Credit Card:

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Treats people struggling with debt appallingly

Back in 2014 I had serious problems with debt and had the misfortune to owe Nationwide Credit Card money. I took advice from CCCS and made token payments. The advisors were the most unpleasant people I’ve ever dealt with. One said that my credit card debt was a priority debt!! They were all sarcastic and did not care about my situation. Eventually I entered an IVA and they refused to ever agree with the offer of repayment. Luckily they were not the majority creditor so they had to go along with the offer. Eventually I was able to clear the IVA early but my experience with Nationwide was so awful I would advise anyone to steer clear, they made my life more difficult than necessary at a terrible time. Reviewed on: 5th April 2023

Review of the Zopa, Personal Loan:

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The loan that does what it says on the tin

Approved by Zopa after being rejected by a high street bank for a loan that apparently I was 95% eligible for. Decided to go with Zopa as I was already pre-approved. Not only was the application straightforward, I received an instant decision and the money in my account within 2 hours. Thanks Zopa! The Zopa app is also useful and provides an infographic on how much of the loan has been repaid to date plus useful financial health checks. Reviewed on: 5th April 2023

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