Beware Of Zopa Sign Up

edited 30 November -1 at 1:00AM in Praise, Vent & Warnings
9 replies 19.4K views
stgeorge_2stgeorge_2 Forumite
12 Posts
edited 30 November -1 at 1:00AM in Praise, Vent & Warnings
I signed up for Zopa like all good money savers to get my Credit Score and for that reason only.
The site is a farce.
When I went through to get my Score I was asked by Equifax to confirm details they had on me.
I made a mistake and Zopa Shut Me Out.
They then went on to Check I was genuine. TWICE.
That could of been my fault as I tried to log in again to see if I could access my Credit Score.
It seems that whenever you make a mistake in Zopa that your Identity is checked with Equifax.
THIS GOES DOWN AS A SEARCH!
Meaning of course that you could be desperate for Credit.
WATCH OUT AND BEWARE.
At no time did I request they contact me.
Oh, and I could find no way of deleting my Account with Zopa. (Any Ideas?).
Below are my Zopa E-Mails to give you an idea of a potential problem.

I TRIED ACCESSING MY ACCOUNT.
MY ACCOUNT IS NOW LOCKED.
NOT ONLY THAT BUT AFTER ACCESSING MY EQUIFAX CREDIT REPORT I FIND THAT YOU HAVE DONE TWO SEARCHES.
WHAT ARE YOU TRYING TO DO SCREW UP MY CREDIT RATING.
THE LAST THING I WANT TO DO IS HAVE A THIRD CREDIT CHECK DONE BY YOU WITH EQUIFAX.
PLEASE DELETE ME FROM YOUR DATABASE.
I WANT NOTHING MORE TO DO WITH YOUR SITE.
YOURS,
xxxxxxx




Original Message
From: "Zopa Operations" <[email="general&#64;zopa.com"][email protected][/email]>
To: xxxxxxxxxxxxx[email="anton2000&#64;ntlworld.com"]@ntlworld.com[/email]>
Sent: Monday, January 23, 2006 3:07 PM
Subject: RE: User contact request: [email="xxxxxxx&#64;ntlworld.com"][email protected][/email]


> Hi there
>
> Thank you for your email.
>
> I have now altered your account so that the next time you log in to your
> Zopa account you will go through the credit check process again.
>
> You will not be able to fully complete the process, as the system will
> recognise you have been through more than once, at this point simply email
> us to let us know, and we will be able to make the necessary changes.
>
> If you have any questions; please feel free to contact me or any of the Zopa
> Member Services team at
[email="contactus&#64;zopa.com"][email protected][/email].
>
>
> Kind Regards
>
> Martine Degge
>
> Zopa Member Services Team
> Zopa Limited
>
www.Zopa.com
>
> Zopa is the first lending and borrowing exchange. What we do is very simple:
> we put people who want to lend in touch with creditworthy people who want to
> borrow. And because there's no middleman - the borrower pays just a 1%
> exchange fee to Zopa upfront - both benefit.
>
> To find out more, visit
www.zopa.com
>
> If you would like information on our Founder Member Scheme please contact
>
[email="giles&#64;zopa.com"][email protected][/email]
>
> If you think you've been sent this email in error please tell us by emailing
>
[email="emails&#64;zopa.com"][email protected][/email]
>
> Our registered office is: 3rd floor, 36-38 Mortimer Street, London W1W 7RG.
>
> Our company registration number is 05197592.
>
> .
>
>

Original Message
> From: xxxxxxxxxxxxxxxxxxxntlworld.com]
> Sent: 23 January 2006 09:04
> To: Shabana Mehboob
> Subject: Re: User contact request: [email="xxxxxxxxx&#64;ntlworld.com"][email protected][/email]
>
> I did not request to be contacted re my telephone number.
> It seems your site does not function properly on many counts.
> For your info anyway my tel no. is xxxxxxxxxxxx.
>
> I did get as far as going through to Equifax when I requested my credit
> score.
> Because I made a mistake when entering some details with Equifax I not only
> did not get a chance to re-enter the correct information your site now
> states that it cannot confirm my identity. So I can proceed no further with
> finding out my Credit Score or look for a potential loan.
> If you can re-set my account so I can get my Credit Score and then Check to
> see what loans are available fine.
> If not it would be quicker for me to use other methods and therefore I would
> like to be removed from your site completely.
> Many Thanks,
xxxxxxx
>

Original Message
> From: "Shabana Mehboob" <[email="General&#64;zopa.com"][email protected][/email]>
> To: <
[email="anton2000&#64;ntlworld.com"]xxxxxxxxxxntlworld.com[/email]>
> Sent: Sunday, January 22, 2006 12:41 PM
> Subject: RE: User contact request:
[email="xxxxxxxxxx&#64;ntlworld.com"][email protected][/email]
>
>
> > Hi xxxxxxx
> >
> > Thanks for your email and support for Zopa.
> >
> > Please reply to this email with your new telephone number and we will
> update
> > your records.
> >
> > If you have any further enquiries please email us at
[email="contactus&#64;zopa.com"][email protected][/email].
> >
> >
> > Kind regards
> >
> > Shabana
> > Zopa Member Services Team
> > Zopa Limited
> >
www.zopa.com
> >
> > Zopa is the first lending and borrowing exchange. What we do is very
> simple;
> > we put people who want to lend in touch with creditworthy people who want
> to
> > borrow. To find out more, visit
www.zopa.com
> >
> > If you think you've been sent this email in error please tell us by
> emailing
> >
[email="emails&#64;zopa.com"][email protected][/email]
> >
> > Our registered office is; 3rd floor, 36-38 Mortimer Street, London, W1W
> 7RG.
> > Our company registration number is 05197592
> >
> >

Original Message
> > From: [email="joinus&#64;zopa.com"][email protected][/email] [mailto:[email protected]]
> > Sent: 21 January 2006 14:57
> > To:
[email="customermaint&#64;zopa.com"][email protected][/email]
> > Subject: User contact request: [email="xxxxxxxx&#64;ntlworld.com"][email protected][/email]
> >
> > User Mrxxxxxxxxxxx has requested to be contacted.
> > Request type:
> > ChangePhoneNumber;
> > Member email:
Freedom of Information Rules OK :j

Replies

  • This really could turn into a nightmare.
    E mailed me back with.

    You have been able to verify my identity.
    I have TWO zopa searches on my Credit Record with Equifax.
    DO NOT TRY AGAIN.
    DELETE MY DETAILS from Zopa.
    xxxxxxxx

    Original Message
    From: [email="martine&#64;zopa.com"]Martine Degge[/email]
    To: [email="xxxxxxxx&#64;ntlworld.com"][email protected][/email]
    Sent: Monday, January 23, 2006 5:55 PM
    Subject: Zopa Registration


    Hi xxxxxxxx



    Thank you for bearing with us – we’ve been working really hard to get you into Zopa. We are sure you’ll understand how important it is that Zopa is a safe and secure place for all Members and this is why we have a very rigorous approach to admitting new joiners.



    Unfortunately we’ve been unable to verify your identity. As we’re sure you’ll understand, it’s really important that Zopa is a safe and secure place for all Members and this is why we have a very rigorous approach to identification.



    I know this is really frustrating given the time that you have spent registering with us.



    If you have any further questions on how to lend at Zopa then please email us at [email="contactus&#64;Zopa.com"][email protected][/email]





    Kind regards



    Adrian

    Zopa Member Services Team

    Zopa Limited

    www.zopa.com



    Freedom of Information Rules OK :j
  • JusticiaJusticia Forumite
    1.4K Posts
    Part of the Furniture Combo Breaker
    ✭✭✭
    I had not heard of "Zopa" before.

    I am unsure whether the e-mails that you are sending to them are exactly as you have posted above (formatting and capitalisation), but if so I would advise you to write your e-mails to this company in a more formal manner as it appears that they are only briefly reading over the ones that you have been sending to them so far and assuming that they know what you are asking and this is then causing the situation to start heading in circles.

    Write with the full "Dear Sir" headers, a full and concise overview of your problems with their site and end with the "Yours sincerely" footers... I suspect that they may then pay more attention to what you have written.

    Hope that the issues are rectified for you soon.

    :)
    "Part P" is not, and has never been, an accredited electrical qualification. It is a Building Regulation. No one can be "Part P qualified."

    Forum posts are not legal advice; are for educational and discussion purposes only, and are not a substitute for proper consultation with a competent, qualified advisor.
  • Thanks for the advice.
    It does appear that my rather abrupt and rude approach has worked on this occasion.
    I received a reply to my final one in less than 5 mins and the situation is now resolved.
    I have always found that politeness in e-mails if you want something done is NOT always the best route as customer service representatives does not want the hassle of spinning out a subscription when their name is on the e-mail.
    Be concise and use caps to highlight your DEMANDS, they then cannot fail to MISS what you are after.
    That is why I always get the name of any Customer Service Rep when I phone.
    I must congratulate Zopa on this occasion as they responded to my e-mails very quickly and dealt with the request I submitted (I hope).
    Example of final e-mail I received below:
    Hi



    Thank you for your email and your interest in Zopa.



    I’m sad to hear that you no longer wish to be a Zopa member. However I have honoured your request and your account has now been suspended. Once a month we clear down our data records. At this point all of the information previously stored with us will be removed.



    Thank you for being a Zopa member, despite the short time you’ve been with us. I hope that in the future you will not rule Zopa out due to this encounter.

    Kind Regards

    Martine Degge

    Zopa Member Services Team
    Zopa Limited
    www.Zopa.com
    Freedom of Information Rules OK :j
  • JusticiaJusticia Forumite
    1.4K Posts
    Part of the Furniture Combo Breaker
    ✭✭✭
    Glad it finally got sorted for you, stgeorge :)
    "Part P" is not, and has never been, an accredited electrical qualification. It is a Building Regulation. No one can be "Part P qualified."

    Forum posts are not legal advice; are for educational and discussion purposes only, and are not a substitute for proper consultation with a competent, qualified advisor.
  • If you had signed up to lend or borrow money, the purpose for which the site is designed, you may have received better customer service.

    I have had no problems with Zopa.
  • edited 18 September 2009 at 3:35PM
    mrcol1000mrcol1000 Forumite
    4.8K Posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    edited 18 September 2009 at 3:35PM
    As someone who deals with people all day if someone is rude to me I will be polite but I will not put the effort into helping as the person who is polite to me. I think when people are abusing you or e-mailing you with big captials they don't realise that its not always possible to do what the person is demanding.
  • jamesdjamesd Forumite
    24.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    stgeorge wrote: »
    I signed up for Zopa like all good money savers to get my Credit Score and for that reason only. ... I made a mistake and Zopa Shut Me Out. They then went on to Check I was genuine. TWICE. ... That could of been my fault as I tried to log in again to see if I could access my Credit Score. It seems that whenever you make a mistake in Zopa that your Identity is checked with Equifax. THIS GOES DOWN AS A SEARCH!
    Meaning of course that you could be desperate for Credit.
    There are two searches done by Zopa:

    1. A money laundering identification check, which is visible to you in your statutory credit report but is not disclosed to any potential lenders. Since it's invisible to potential lenders it can't have any effect at all on your ability to get credit anywhere.
    2. A quotation search to tell you which market you qualify for, if any. This has no significant effect on credit score because it's not an application search.
  • CHR15CHR15 Forumite
    5.2K Posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    Any reason for dragging up a post from THREE AND A HALF YEARS AGO???
  • jamesdjamesd Forumite
    24.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    None that I can see. Even less when the credit score is no longer available directly, just the market.
This discussion has been closed.
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