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-3374547
23 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3374547 The complaint Ms M complains (through a representative) that Morses Club PLC (Morses) didn’t carry out effective affordability checks. Had it done so, then Ms M says she wouldn’t have been provided with the loans. What happened Our adjudicator partly upheld Ms M’s complaint. Mo... (6 pages)View decision -
Decision Reference DRN-3189602
21 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3189602 The complaint Ms H, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Loan Start Date End Date Capital Amount Interest amount Term Repayment amount 1 13/07/2017 14/03/2018 £300.00 £195.00 33 £15.00 2 27/09/2017 22/06/2018 £400.0... (4 pages)View decision -
Decision Reference DRN-3284034
18 Mar 2022 Morses Club PLC Not upheldConsumer CreditDRN-3284034 The complaint Ms L complains (through a representative) that Morses Club PLC (Morses) provided her with loans she couldn’t afford to repay. What happened Ms L took five home collected loans between November 2014 and December 2015. I’ve included some of the information we’ve rec... (4 pages)View decision -
Decision Reference DRN-3161099
7 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3161099 The complaint Ms G, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information received from Morses, here is a brief loan table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount Weeks Live 1... (5 pages)View decision -
Decision Reference DRN-3295951
1 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3295951 The complaint Ms B, through her representative, complains that Morses Club PLC, lent to her irresponsibly. What happened Using information provided by Morses, here is a brief table of the approved loans. Morses has given consent for us to review loans 1 and 2 as well as 3 and ,... (4 pages)View decision -
Decision Reference DRN-3271306
25 Feb 2022 Morses Club PLC Not upheldConsumer CreditDRN-3271306 The complaint Mr H complains (through a representative) that Morses Club PLC (Morses) isn’t reporting correct information on his credit file about his loans. What happened Mr H took three loans between July 2015 and February 2018. I’ve included some of the information we’ve re... (5 pages)View decision -
Decision Reference DRN-3210104
10 Feb 2022 Morses Club PLC UpheldConsumer CreditDRN-3210104 The complaint Mr B complains (through a representative) that Morses Club PLC (Morses) provided him with loans that he couldn’t afford to repay. What happened Mr B took three loans from Morses between March 2020 and July 2020. I’ve included some of the information we’ve received... (4 pages)View decision -
Decision Reference DRN-3215160
10 Feb 2022 Morses Club PLC UpheldConsumer CreditDRN-3215160 The complaint Ms W complains (through a representative) Morses Club PLC (Morses) didn’t properly carry out affordability checks before it granted Ms W with her loans. Had it done so, Ms W says it would’ve discovered she was in a ‘debt spiral’. What happened Ms W took five loan... (4 pages)View decision -
Decision Reference DRN-3257627
18 Jan 2022 Morses Club PLC Not upheldConsumer CreditDRN-3257627 The complaint Ms J complains (through a representative) that Morses Club PLC (Morses) didn’t carry out appropriate affordability checks. What happened Our adjudicator partly upheld Ms J’s complaint. Morses didn’t agree with the adjudicator’s opinion. The complaint was then pass... (4 pages)View decision -
Decision Reference DRN-3248819
18 Jan 2022 Morses Club PLC UpheldConsumer CreditDRN-3248819 The complaint Mr H complains (through a representative) that Morses Club PLC (Morses) didn’t carry out effective affordability checks. Had it done so, then Mr H wouldn’t have been provided with the loans. What happened Our adjudicator partly upheld Mr H’s complaint. Morses didn... (6 pages)View decision
