We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 362 results
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Decision Reference DRN-3727786
21 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3727786 The complaint Miss W complains that Morses Club PLC (Morses) provided her a loan during a time that she was having financial difficulties and having to take out other payday loans to settle existing loans. Miss W says she couldn’t afford the repayments she was committed to maki... (4 pages)View decision -
Decision Reference DRN-3733465
21 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3733465 The complaint Mr J complains (through a representative) that Morses Club PLC (Morses) didn’t carry out affordability checks before it granted loans which he couldn’t afford to repay. What happened Mr J took three home collected loans from Morses between September 2018 and Octob... (3 pages)View decision -
Decision Reference DRN-3728496
21 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3728496 The complaint Mr G complains (through a representative) that Morses Club PLC (Morses) didn’t carry out affordability checks before it granted loans which he couldn’t afford to repay. What happened Mr G took two home collected loans from Morses between August 2021 and December ... (3 pages)View decision -
Decision Reference DRN-3744387
20 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3744387 The complaint Miss N complains that Morses Club PLC lent to her when she could not afford it. What happened Miss N complained in February 2022. Miss N was approved for one loan in February 2022 which was for £350 repayable over 35 weeks at £17.50 each week. I do not think that ... (3 pages)View decision -
Decision Reference DRN-3722010
18 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3722010 The complaint Ms B, through her representative, complains that Morses Club PLC lent to her when she could not afford it. What happened Using information from Morses here is a summary of the seven approved loans. They are all for Ms B according to Morses’ records, but loan 7 was... (4 pages)View decision -
Decision Reference DRN-3752075
18 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3752075 The complaint Miss R, through her representative, complains that Morses Club PLC lent to her when she could not afford it. What happened Using information from Morses, here is a brief loan table. Loan Date of Loan Capital Sum Date Settled Term (w) Weekly Repayment 1 23/07/2019 ... (5 pages)View decision -
Decision Reference DRN-3722674
14 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3722674 The complaint Mrs R, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs R was advanced five home collected loans between March 2014 and December 2017. I’ve included... (5 pages)View decision -
Decision Reference DRN-3748857
14 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3748857 The complaint Ms B complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced her loans. Had it carried out proper checks it would’ve discovered Ms B couldn’t afford her loans. What happened Ms B took six l... (7 pages)View decision -
Decision Reference DRN-3747658
13 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3747658 The complaint Mrs H complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it lent to her. Had it done so, Morses would’ve discovered she couldn’t afford to repay these loans. What happened Mrs H was advanced 8 hom... (6 pages)View decision -
Decision Reference DRN-3734642
6 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3734642 The complaint Mr L (through a representative) complains that Morses Club PLC (Morses) gave him loans he couldn’t afford to repay. What happened Mr L was advanced eight home collected loans between August 2017 and April 2021. I’ve included some of the information we’ve received ... (6 pages)View decision
