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-3362839
2 Aug 2022 Morses Club PLC UpheldConsumer CreditDRN-3362839 The complaint Mr C says Morses Club PLC irresponsibly lent to him. What happened This complaint is about a home credit loan lent in February 2021, the loan was for £400 with 34 weekly instalments of £20. Mr C fully repaid the loan in March 2021. Our adjudicator upheld Mr C’s co... (3 pages)View decision -
Decision Reference DRN-3594245
28 Jul 2022 Morses Club PLC Not upheldConsumer CreditDRN-3594245 The complaint Mrs S complains that Morses Club PLC lent to her irresponsibly as she could not afford to repay the loan. What happened Mrs S took one loan from Morses for £600 on 16 October 2021. It was repayable over 35 weeks at £30 each week. Morses offers home credit loans wh... (4 pages)View decision -
Decision Reference DRN-3420628
28 Jul 2022 Morses Club PLC UpheldConsumer CreditDRN-3420628 The complaint Mr I complains that Morses Club PLC (Morses) has reported missed payment markers to the credit reference agencies which he says is inaccurate. Instead, Mr I says his credit file should show that he was on a payment arrangement while paying down the balance of his ... (6 pages)View decision -
Decision Reference DRN-3402953
21 Jul 2022 Morses Club PLC UpheldConsumer CreditDRN-3402953 The complaint Mr B complains that Morses Club PLC lent to him irresponsibly. What happened Using information provided by Morses, here is a table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Repayment 1 28/07/2016 18/02/2017 33 £300.00 £15.00 2 22/12/201... (4 pages)View decision -
Decision Reference DRN-3594637
15 Jul 2022 Morses Club PLC Not upheldConsumer CreditDRN-3594637 The complaint Ms R (through a representative) complains that Morses Club PLC (Morses) irresponsibly provided her with loans that she couldn’t afford to repay. What happened Ms R was advanced three home collected loans between August 2018 and February 2019. I’ve included some of... (5 pages)View decision -
Decision Reference DRN-3431873
8 Jul 2022 Morses Club PLC Not upheldConsumer CreditDRN-3431873 The complaint Miss S complains that Morses Club PLC (Morses) is reporting adverse information on her credit file about two loans which she says she has already fully repaid. What happened Miss S had taken a number of loans from Morses, but the adverse information reported on he... (5 pages)View decision -
Decision Reference DRN-3368971
6 Jul 2022 Morses Club PLC UpheldConsumer CreditDRN-3368971 The complaint Ms D, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses, here is a brief table of the approved loans. Loan Date Taken Date Repaid Weekly Instalments Amount Max. Weekly Repayment 1 15/1... (5 pages)View decision -
Decision Reference DRN-3579488
6 Jul 2022 Morses Club PLC Not upheldConsumer CreditDRN-3579488 The complaint Ms W complains that Morse Club PLC irresponsibly lent to her. What happened The details of this complaint are set out in the provisional decision I issued on 20 June 2022 where I explained I was inclined to reach different conclusions to the adjudicator. I gave bo... (3 pages)View decision -
Decision Reference DRN-3335451
30 Jun 2022 Morses Club PLC UpheldConsumer CreditDRN-3335451 The complaint Mr B, through his representative, complains that Morses Club PLC lent to him when he could not afford to repay the loans. What happened Using information from Morses, here is a brief table of the approved loans. Loan Number Date Taken Date Repaid Instalments (week... (5 pages)View decision -
Decision Reference DRN-3372793
24 Jun 2022 Morses Club PLC UpheldConsumer CreditDRN-3372793 The complaint Mrs T, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, Morses would’ve discovered Mrs T was struggling financially and had a poor credit history. What... (4 pages)View decision
