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-3621910
2 Sep 2022 Morses Club PLC Not upheldConsumer CreditDRN-3621910 The complaint Mr M complains that Morses Club PLC (Morses) didn’t carry out checks before it granted a loan which he couldn’t afford to repay. Mr M went on to say that had proper affordability checks been carried out Morses would’ve seen adverse information recorded on his cred... (4 pages)View decision -
Decision Reference DRN-3412183
31 Aug 2022 Morses Club PLC UpheldConsumer CreditDRN-3412183 The complaint Ms C, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses, here is a brief loan table of the approved loans for Ms C. Loan Date Taken Date Repaid Instalments Amount Repayment 1 19/05/201... (6 pages)View decision -
Decision Reference DRN-3371547
30 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3371547 The complaint Ms M, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses it seems that Ms M took several loans, seven of which form the complaint and these are summarised in a brief loan table below. l... (4 pages)View decision -
Decision Reference DRN-3657359
24 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3657359 The complaint Ms L complains (through a representative) that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. What happened Ms L was advanced 6 home collected loans between November 2017 and December 2019. I’ve included some of the information we’ve receive... (4 pages)View decision -
Decision Reference DRN-3302188
16 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3302188 The complaint Ms J, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms J had been borrowing from Morses or had borrowed from a company subsequently taken over by Morses, for several years. Neither Ms J nor Morses has been able... (4 pages)View decision -
Decision Reference DRN-3539979
12 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3539979 The complaint Mrs U complains that Morses Club PLC (Morses) gave her incorrect information about a refund she was expected to receive following a complaint she made about unaffordable lending. What happened Mrs U initially made a complaint to Morses about being given loans whic... (4 pages)View decision -
Decision Reference DRN-3626184
5 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3626184 The complaint Miss R complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Had Morses carried out proportionate checks it would’ve discovered she was stuck in a cycle of borrowing and couldn’t afford her repayme... (4 pages)View decision -
Decision Reference DRN-3539232
4 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3539232 The complaint Mr R complains Morses Club PLC (Morses) provided him with loans that he couldn’t afford to repay. He says the agent inflated his weekly income by including money he received from over time. What happened Mr R took seven loans between November 2019 and June 2021. I... (5 pages)View decision -
Decision Reference DRN-3422665
4 Aug 2022 Morses Club PLC UpheldConsumer CreditDRN-3422665 The complaint Mrs W complains (through a representative) that Morses Club PLC (Morses) didn’t properly carry out affordability checks before it advanced her loans. Mrs W says she had to keep borrowing more in order to repay the loans. What happened Mrs W took six loans between ... (4 pages)View decision -
Decision Reference DRN-3344479
3 Aug 2022 Morses Club PLC Not upheldConsumer CreditDRN-3344479 The complaint Miss B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Had Morses carried out proportionate checks it would’ve realised these loans weren’t affordable for her. What ... (4 pages)View decision
