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-3727622
5 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3727622 The complaint Mr C complains through a representative that Morses Club PLC (Morses) provided loans which he couldn’t afford to repay. What happened Mr C took three loans from Morses between November 2017 and February 2020. A summary of his borrowing can be found in the table be... (4 pages)View decision -
Decision Reference DRN-3719750
5 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3719750 The complaint Mrs N, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs N was advanced six home collected loans between November 2013 and March 2019. I’ve included s... (5 pages)View decision -
Decision Reference DRN-3720068
5 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3720068 The complaint Mr H, through a representative complains that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it lent to him. What happened Mr H was advanced two home collected loans between April and July 2021. I’ve included some of the information w... (4 pages)View decision -
Decision Reference DRN-3704493
5 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3704493 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. As a result, she was provided with lending that wasn’t affordable. What happened Mrs R was advanced 6 home col... (4 pages)View decision -
Decision Reference DRN-3713027
4 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3713027 The complaint Mrs A, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it provided loans she couldn’t afford to repay. What happened Mrs A was advanced five home collected loans between August 2017 and S... (5 pages)View decision -
Decision Reference DRN-3723556
4 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3723556 The complaint Mr B (through a representative) complains that Morses Club PLC (Morses) didn’t carry out checks before it granted a loan which he couldn’t afford to repay. What happened Mr B took four loans from Morses between July 2018 and May 2019. A summary of his borrowing ca... (4 pages)View decision -
Decision Reference DRN-3715643
30 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3715643 The complaint Mr W, through his representative, complains that Morses Club PLC lent to him when he could not afford it. What happened Using information from Morses, here is a table with brief details of the approved loans. Loan Amount borrowed Start Date End Date Repayment Amou... (3 pages)View decision -
Decision Reference DRN-3721662
30 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3721662 The complaint Mrs M, through her representative, complains that Morses Club PLC, lent to her when she could not afford it. What happened Using information provided by Morses, here is a brief loan table of Mrs M’s lending. Loan Date Taken Principal Term and Weekly Repayments Dat... (4 pages)View decision -
Decision Reference DRN-3716417
30 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3716417 The complaint Mr B, through his representative, complains that Morses Club PLC, lent to him when he could not afford it. What happened Morses has explained that as the earlier loans were almost a decade ago then it has no information over and above what appears in the loan tabl... (3 pages)View decision -
Decision Reference DRN-3634072
28 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3634072 The complaint Miss K complains that Morses Club PLC lent to her irresponsibly. Miss K also says that the last loan was signed by another party and she ought not be liable for it. What happened Using information from Morses, here is a brief loan table of the four approved loans.... (6 pages)View decision
