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
-
Decision Reference DRN-4084821
1 Jun 2023 Morses Club PLC UpheldConsumer CreditDRN-4084821 The complaint Mr B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted his loans. What happened Mr B was advanced 6 loans and I’ve included some of the information we’ve received about them in t... (4 pages)View decision -
Decision Reference DRN-3998715
11 May 2023 Morses Club PLC UpheldConsumer CreditDRN-3998715 The complaint Mr S, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted his loans. Had it done so, Morses would’ve realised he couldn’t afford the repayments. What happened Mr S was advanced five... (5 pages)View decision -
Decision Reference DRN-3992611
5 May 2023 Morses Club PLC UpheldConsumer CreditDRN-3992611 The complaint Ms C, 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 realised she couldn’t afford the loans. What happened Ms C was advanced six home... (5 pages)View decision -
Decision Reference DRN-4083954
4 May 2023 Morses Club PLC UpheldConsumer CreditDRN-4083954 The complaint Mr G says Morses Club PLC irresponsibly lent to him. What happened Morses lent Mr G five home credit loans. From the information provided, Mr G’s borrowing history is as follows: Loan number Start date Loan amount (£) Repayment (£) 1 12 April 2019 300 15 2 10 Octo... (3 pages)View decision -
Decision Reference DRN-3988976
14 Apr 2023 Morses Club PLC Not upheldConsumer CreditDRN-3988976 The complaint Miss M had loans with Morses Club PLC. During the time she was repaying them she overpaid and Miss M complains that she did not understand why the credit on the account could not be used to clear part of the sums she owed. She found it all confusing. Miss M also c... (2 pages)View decision -
Decision Reference DRN-4060529
4 Apr 2023 Morses Club PLC UpheldConsumer CreditDRN-4060529 The complaint Miss S complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Miss S also says repaying these loans was difficult and she often went without basic needs in order to make sure that these loans were r... (9 pages)View decision -
Decision Reference DRN-4048664
3 Apr 2023 Morses Club PLC Not upheldConsumer CreditDRN-4048664 The complaint Mr C complains that Morses Club PLC (Morses) forced him to take out a second loan which he didn’t want. He says he was victimised because of his disability. Mr C further complains that the interest on the loans was too high and Morses wasn’t able to tell him the t... (5 pages)View decision -
Decision Reference DRN-3960518
15 Mar 2023 Morses Club PLC UpheldConsumer CreditDRN-3960518 The complaint Mrs W complains Morses Club PLC (Morses) defaulted her loan without giving notice during the COVID- 19 pandemic. Mrs W also says this default is preventing her from switching a mortgage to a lower interest rate. What happened The default was recorded on Mrs W’s cr... (5 pages)View decision -
Decision Reference DRN-3939840
3 Feb 2023 Morses Club PLC Not upheldConsumer CreditDRN-3939840 The complaint Ms D complains that Morses Club PLC (Morses) didn’t carry out sufficient affordability checks before it granted her loans which she couldn’t afford to repay. What happened Ms D was advanced four home collected loans between August 2019 and January 2021. I’ve inclu... (4 pages)View decision -
Decision Reference DRN-3924379
1 Feb 2023 Morses Club PLC UpheldConsumer CreditDRN-3924379 The complaint Mr P, through a representative, complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him loans. What happened Mr P was advanced at least ten home collected loans between August 2013 and August 2018. I’ve inc... (5 pages)View decision
