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-3248872
18 Jan 2022 Morses Club PLC Not upheldConsumer CreditDRN-3248872 The complaint Miss N complains (through a representative) that Morses Club PLC (Morses) didn’t carry out appropriate affordability checks. Had it done so, then Miss N wouldn’t have been provided for her loans because she was in a cycle of borrowing. What happened Our adjudicato... (5 pages)View decision -
Decision Reference DRN-3117235
14 Jan 2022 Morses Club PLC Not upheldConsumer CreditDRN-3117235 The complaint Mr W complains that he has paid off all the loans approved for him by Morses Club PLC and he does not owe it the £93 Morses says he owes. What happened Using information from Morses here is a brief table of the loans approved for Mr W. Loan Approved Amount Term in... (4 pages)View decision -
Decision Reference DRN-3135051
12 Jan 2022 Morses Club PLC Not upheldConsumer CreditDRN-3135051 The complaint Mr H has complained that Morses Club PLC (Morses) provided loans he couldn’t afford to repay because he was in a debt cycle and these loans were unaffordable for him. What happened Mr H took three loans from Morses between January and August 2019. A summary of his... (5 pages)View decision -
Decision Reference DRN-3126250
10 Jan 2022 Morses Club PLC UpheldConsumer CreditDRN-3126250 The complaint Ms S, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms S was approved for five loans of £400 and using information provided by Morses here is a brief loan table. Information from Morses indicates that the last ... (4 pages)View decision -
Decision Reference DRN-3183649
21 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3183649 The complaint Mrs L, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using records supplied by Morses, here is a brief table of the approved loans for Mrs L. Mrs L’s representative has explained that Mrs L was in financial dif... (4 pages)View decision -
Decision Reference DRN-3181068
20 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3181068 The complaint Mr M, through his representative, complains that Morses Club PLC, lent to him irresponsibly. What happened Information supplied by Morses has been presented to us as a loan table commencing with ‘Loan 7’. Morses has explained that it acquired some Shopacheck finan... (4 pages)View decision -
Decision Reference DRN-3219830
17 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3219830 The complaint Miss R says Morses Club Plc irresponsibly lent to her. What happened This complaint is about two home credit loans given to Miss R by Morses Club. Miss R took out the first loan for £400 in October 2017. It was due to be repaid in weekly repayments of £20 over 33 ... (4 pages)View decision -
Decision Reference DRN-3197774
16 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3197774 The complaint Mrs B says Morses Club PLC lent to her irresponsibly. She says that she was in a poor financial position and she couldn’t afford the loan repayments. She thinks that Morses should’ve seen this and not lent to her. What happened This complaint is about one home col... (2 pages)View decision -
Decision Reference DRN-3153886
16 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3153886 The complaint Ms T, 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. I’ve used the one our adjudicator prepared. Loan Date Taken Date Repaid Instalments... (3 pages)View decision -
Decision Reference DRN-3158568
15 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3158568 The complaint Miss M says Morses Club PLC lent to her irresponsibly. She said that she had other commitments that she was struggling to repay when Morses lent to her. She thinks it should’ve seen this and not approved the loans. What happened This complaint is about one home co... (2 pages)View decision
