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-3126471
15 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3126471 The complaint Mr W says Morses Club PLC lent to him irresponsibly. He says that it has failed to carry out proportionate checks. If it had done proper checks it would’ve seen that he couldn’t afford the loan repayments and it shouldn’t have lent to him. What happened This comp... (4 pages)View decision -
Decision Reference DRN-3066749
10 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3066749 The complaint Miss A says Morses Club PLC lent to her irresponsibly. What happened This complaint is about eight home collected loans Morses provided to Miss A between November 2019 and January 2021. Some of the information I have been provided about the lending is in the tabl... (3 pages)View decision -
Decision Reference DRN-3158560
8 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3158560 The complaint Ms C says Morses Club PLC lent to her irresponsibly. Ms C says she was in a ‘debt spiral’ and so she couldn’t afford the loan repayments. She thinks Morses should’ve made better checks and not lent to her. What happened Our adjudicator thought the complaint shoul... (4 pages)View decision -
Decision Reference DRN-3124050
8 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3124050 The complaint Mr D, through his representative, complains that Morses Club PLC lent to him irresponsibly. What happened Using information from Morses, here is a brief table of approved loans. Loan 8 was withdrawn within 14 days of its inception and the statement of account for ... (5 pages)View decision -
Decision Reference DRN-3197993
7 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3197993 The complaint Mrs M says Morses Club PLC lent to her irresponsibly. Mrs M already had a significant amount of debt when she took the loans from Morses. So, she couldn’t easily manage the loan repayments. She thinks that Morses should have found out about this and not lent to he... (3 pages)View decision -
Decision Reference DRN-3188877
3 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3188877 The complaint Mrs B says Morses Club PLC lent to her irresponsibly. She says that the Morses loans caused her financial difficulty. Morses should have seen this and not lent to her. What happened Our adjudicator thought the complaint should be partially upheld. Morses disagreed... (3 pages)View decision -
Decision Reference DRN-3081160
3 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3081160 The complaint Mrs M says Morses Club PLC lent to her irresponsibly. Mrs M says that she had other lending when Morses approved the loans. She thinks it should’ve seen this and not lent to her. What happened Our adjudicator thought the complaint should be partially upheld. Mors... (4 pages)View decision -
Decision Reference DRN-3193972
3 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3193972 The complaint Ms A says Morses Club PLC lent to her irresponsibly. She says that she was already experiencing financial hardship when these loans were approved. And so, she couldn’t easily make the repayments. She thinks Morses should’ve seen this and not lent to her. What happ... (3 pages)View decision -
Decision Reference DRN-3082500
2 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3082500 The complaint Mrs M says Morses Club PLC lent to her irresponsibly. She says that the Morses loans caused her financial difficulties. Morses should have seen this and not lent to her. What happened Our adjudicator thought the complaint should be partially upheld. Morses disagr... (5 pages)View decision -
Decision Reference DRN-3115408
2 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3115408 The complaint Mrs R says Morses Club PLC lent to her irresponsibly. What happened This complaint is about seven home collected loans Morses provided to Mrs R between January 2016 and November 2018. loan date taken amount weekly instalments date repaid 1 22/01/2016 £200 20 04/0... (4 pages)View decision
