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-3262323
24 Jun 2022 Morses Club PLC UpheldConsumer CreditDRN-3262323 The complaint Mr J complains Morses Club PLC (Morses) provided him with loans that he couldn’t afford to repay. What happened Mr J took four loans between June 2017 and November 2019 I’ve included some of the information we’ve received about these loans in the table below. loan... (7 pages)View decision -
Decision Reference DRN-3309144
23 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3309144 The complaint Ms A, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Ms A also says that she often had more than one loan running at the same time which meant she had to keep borrow... (5 pages)View decision -
Decision Reference DRN-3289801
23 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3289801 The complaint Mr O complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him a loan. Had it done so, Mr O says Morses would’ve seen that he had a large amount of debt and was spending significant sums on gambling. What ha... (4 pages)View decision -
Decision Reference DRN-3345217
17 Jun 2022 Morses Club PLC UpheldConsumer CreditDRN-3345217 The complaint Miss B complains that Morses Club PLC lent to her irresponsibly. What happened Miss B has been a customer of Morses, or the companies Morses took over in the past, for many years. In all Miss B complains about 23 loans. Most of our adjudicator’s detailed table of ... (5 pages)View decision -
Decision Reference DRN-3337737
17 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3337737 The complaint Mr F, 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 loans approved for Mr F. loan date taken date repaid amount borrowed... (3 pages)View decision -
Decision Reference DRN-3516421
17 Jun 2022 Morses Club PLC Not upheldConsumer CreditDRN-3516421 The complaint Miss A complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. What happened Miss A was advanced 13 home collected loans between February 2020 and September 2021. I’ve included some of the information we’ve received from Morses in the ... (5 pages)View decision -
Decision Reference DRN-3474738
27 May 2022 Morses Club PLC UpheldConsumer CreditDRN-3474738 The complaint Miss M, 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 Miss M was advanced 8 home co... (7 pages)View decision -
Decision Reference DRN-3482137
18 May 2022 Morses Club PLC Not upheldConsumer CreditDRN-3482137 The complaint Ms W (through a representative) complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay because she was unemployed at the time of the lending. What happened Ms W was advanced 5 home collected loans between January 2014 and February 2016... (5 pages)View decision -
Decision Reference DRN-3482155
18 May 2022 Morses Club PLC Not upheldConsumer CreditDRN-3482155 The complaint Ms D (through a representative) complains that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay because at the time she was unemployed, and her credit score was poor. What happened Ms D was advanced five home collected loans between December 20... (4 pages)View decision -
Decision Reference DRN-3480464
18 May 2022 Morses Club PLC Not upheldConsumer CreditDRN-3480464 The complaint Miss M complains (through a representative) that Morses Club PLC (Morses) gave her loans she couldn’t afford to repay. Had Morses carried out proportionate checks it would’ve discovered that Miss M was having financial difficulties. What happened Miss M was advanc... (5 pages)View decision
