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-3687842
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3687842 The complaint Mrs W, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs W was advanced five home collected loans between December 2014 and November 2018. I’ve includ... (4 pages)View decision -
Decision Reference DRN-3673102
22 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3673102 The complaint Mr W complains that Morses Club PLC (Morses) didn’t carry out checks before it granted a number of loans which he couldn’t afford to repay. Had it done so, it would’ve discovered he was in a difficult situation and was in arrears. What happened Mr W took at least... (5 pages)View decision -
Decision Reference DRN-3703533
22 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3703533 The complaint Mrs L (through a representative) complains that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it granted her loans. Had it done so, Mrs L says it would’ve likely discovered she was over indebted. What happened Mrs L was advanced five... (4 pages)View decision -
Decision Reference DRN-3704564
22 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3704564 The complaint Ms N 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 N couldn’t afford her loans. What happened Ms N took five ... (6 pages)View decision -
Decision Reference DRN-3676690
16 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3676690 The complaint Ms W, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information we have from Morses, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Repayment 1 13/09/2013 17/0... (3 pages)View decision -
Decision Reference DRN-3587972
16 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3587972 The complaint Mr M complains that Morses Club PLC (Morses) didn’t carry out sufficient checks before it granted loans which he couldn’t afford to repay. Mr M went on to say, that at the time these loans were granted he was subject to a Debt Management Plan (DMP) and had three d... (4 pages)View decision -
Decision Reference DRN-3703512
16 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3703512 The complaint Ms H (through a representative) complains that Morses Club PLC (Morses) gave her loans which she struggled to repay. Ms H also says loans were offered when her previous loans hadn’t yet been fully repaid which meant she had at least two loans running at the same t... (6 pages)View decision -
Decision Reference DRN-3595494
16 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3595494 The complaint Ms S, through a representative complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. What happened Morses believes that Ms S was advanced 8 home collected loans. However, Morses didn’t have any information at all about loans 1 and 2 ... (4 pages)View decision -
Decision Reference DRN-3698167
15 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3698167 The complaint Mrs B complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. Mrs B also says at the time she applied for the loans she was on maternity leave and had significant adverse information on her credit file including County Court Judgements... (8 pages)View decision -
Decision Reference DRN-3654815
14 Sep 2022 Morses Club PLC UpheldConsumer CreditDRN-3654815 The complaint Mrs W complains that Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay because it failed to carry out proportionate checks. In addition, Mrs W also says that Morses encouraged her to take out further credit, didn’t provide any assistance wh... (6 pages)View decision
