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-3231477
14 Apr 2022 Morses Club PLC Not upheldConsumer CreditDRN-3231477 The complaint Miss W complains Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Miss W took five home collected loans between June 2019 and May 20201 I’ve included some of the information we’ve received about these loans in the table bel... (5 pages)View decision -
Decision Reference DRN-3428173
14 Apr 2022 Morses Club PLC UpheldConsumer CreditDRN-3428173 The complaint Miss G complains (through a representative) that Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Our adjudicator partly upheld Miss G’s complaint. Miss G didn’t agree with the adjudicator’s assessment. The complaint was the... (6 pages)View decision -
Decision Reference DRN-3187278
13 Apr 2022 Morses Club PLC UpheldConsumer CreditDRN-3187278 The complaint Mrs B, 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 three approved loans for Mrs B. Loan Start Date End Date Capital Amount Interest amount Term Repa... (4 pages)View decision -
Decision Reference DRN-3380855
31 Mar 2022 Morses Club PLC Not upheldConsumer CreditDRN-3380855 The complaint Mrs W complains (through a representative) that Morses Club PLC (Morses) didn’t carry out appropriate affordability checks. Had it done so, then Mrs W wouldn’t have been provided with the loans because she was in a cycle of borrowing. What happened Our adjudicator... (4 pages)View decision -
Decision Reference DRN-3398812
29 Mar 2022 Morses Club PLC Not upheldConsumer CreditDRN-3398812 The complaint Ms B says Morses Club PLC (Morses) lent to her irresponsibly. Ms B says she was in a ‘debt spiral’ and she says that Morses shouldn’t have lent to her because of this. What happened Our adjudicator thought the complaint should be partially upheld. Morses disagreed... (3 pages)View decision -
Decision Reference DRN-3147444
25 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3147444 The complaint Mr J says Morses Club PLC lent to him irresponsibly. He says that he was in financial difficulty when the loans were arranged. He thinks if Morses had made better checks it would’ve seen this and not lent to him. What happened This complaint is about four home col... (4 pages)View decision -
Decision Reference DRN-3207569
25 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3207569 The complaint Ms H says Morses Club PLC lent to her irresponsibly. She says that she was in financial difficulty when Morses approved the loans. She thinks that it should’ve seen this and not lent to her. What happened This complaint is about seven home collected loans Morses p... (4 pages)View decision -
Decision Reference DRN-3176289
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3176289 The complaint Mrs W says Morses Club PLC lent to her irresponsibly. She says that the loans weren’t affordable for her and Morses should have seen this and not lent. What happened This complaint is about nine home collected loans Morses provided to Mrs W between February 2015 a... (4 pages)View decision -
Decision Reference DRN-3156974
24 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3156974 The complaint Mr N says Morses Club PLC (Morses) lent to him irresponsibly. He says that he couldn’t afford the loan repayments and he had a history of poor credit. He thinks that Morses should’ve seen this and not lent to him. What happened This complaint is about five home co... (4 pages)View decision -
Decision Reference DRN-3186765
23 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3186765 The complaint Ms L says Morses Club PLC (Morses) lent to her irresponsibly. She says that she had a poor credit history when the loans were approved and she struggled to meet the repayments. She thinks that Morses should’ve seen this and not lent to her. What happened This com... (4 pages)View decision
