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-3457643
27 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3457643 The complaint Miss C, through her representative, complains that she was approved for loans by Morses Club PLC she could not afford. What happened Using information from Morses here is a brief table of the approved loans. loan date taken date repaid amount borrowed term weekly ... (3 pages)View decision -
Decision Reference DRN-3693574
26 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3693574 The complaint Mrs K, through her representative, says that Morses Club PLC lent to her when she could not afford to repay the loans. What happened Using information from Mrs K and from Morses, the loan table I have set out below has five loans on it. But Morses provided us with... (5 pages)View decision -
Decision Reference DRN-3711230
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3711230 The complaint Ms B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms B was advanced 6 home collected loans between November 2017 and January 2021. I’ve included som... (6 pages)View decision -
Decision Reference DRN-3713427
23 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3713427 The complaint Mrs C, through her representative, complains that Morses Club PLC lent to her when she could not afford the credit. What happened Using some information from Mrs C and some information from Morses, here is a brief loan table of loans that Mrs C and/or Morses says ... (3 pages)View decision -
Decision Reference DRN-3707400
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3707400 The complaint Mrs L, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs L was advanced five home collected loans between September 2015 and March 2018. I’ve included... (4 pages)View decision -
Decision Reference DRN-3703029
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3703029 The complaint Ms T, through her representative, complains that Morses Club PLC lent to her when she could not afford it. What happened Using information we have from Morses, here is a brief loan table. Reference Date Taken Date Repaid Instalments Amount Repayment 1 03/03/2017 ... (5 pages)View decision -
Decision Reference DRN-3686796
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3686796 The complaint Mr U, through a representative complains that Morses Club PLC (Morses) didn’t carry out appropriate affordability checks before it provided him with loans that he couldn’t afford to repay. What happened Mr U was advanced six home collected loans between March 2017... (4 pages)View decision -
Decision Reference DRN-3702899
23 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3702899 The complaint Mr R, through a representative complains that Morses Club PLC (Morses) provided him with loans that he couldn’t afford to repay. What happened Mr R was advanced seven home collected loans between November 2015 and May 2017. I’ve included some of the information w... (4 pages)View decision -
Decision Reference DRN-3711165
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3711165 The complaint Mrs H, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. She has also said, she struggled to repay the loan balances and often had multiple loans running at the same ti... (7 pages)View decision -
Decision Reference DRN-3431370
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3431370 The complaint Mr B complains that Morses Club PLC lent to him irresponsibly. What happened Mr B was approved for one loan on 22 September 2021 and it was for £300 and repayable at £15 a week for 35 weeks. The total to pay was £525. In February 2022 when Morses wrote to us with ... (3 pages)View decision
