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-3180855
2 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3180855 The complaint Mr G complains (through a representative) Morses Club PLC (Morses) didn’t carry out effective affordability checks. Had it done so, then Mr G wouldn’t have been provided with the loans. What happened Our adjudicator partly upheld Mr G’s complaint. Morses didn’t ag... (4 pages)View decision -
Decision Reference DRN-3160739
1 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3160739 The complaint Mr L, through his representative, complains that Morses Club PLC lent to him irresponsibly. What happened Using information provided by Morses here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments Amount Weekly Repayment 1 01/07/2016... (5 pages)View decision -
Decision Reference DRN-3180943
1 Dec 2021 Morses Club PLC Not upheldConsumer CreditDRN-3180943 The complaint Mrs W has complained that Morses Club PLC (Morses) has incorrectly recorded adverse information on her credit file after she approached it for help and support caused by COVID-19 pandemic in January 2021. Mrs W says this issue is causing her stress. What happened ... (7 pages)View decision -
Decision Reference DRN-3126717
1 Dec 2021 Morses Club PLC UpheldConsumer CreditDRN-3126717 The complaint Mrs W says Morses Club PLC lent to her irresponsibly. Mrs W says she was in a ‘debt spiral’ and so 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 five home collected l... (4 pages)View decision -
Decision Reference DRN-3112160
29 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3112160 The complaint Mrs B complains that Morses Club PLC lent to her when she was not able to afford the loans. Mrs B is not content about the entry on her Morses account notes for January 2020. What happened Using information Morses has provided for us, here is a table of five loans... (7 pages)View decision -
Decision Reference DRN-3109081
24 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3109081 The complaint Mr W says Morses Club PLC lent to him irresponsibly. He says that when Morses continued to lend to him which caused him to go further into debt and suffer financial hardship. What happened Our adjudicator thought the complaint shouldn’t be upheld. Mr W disagreed w... (4 pages)View decision -
Decision Reference DRN-3176775
24 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3176775 The complaint Mr T complains (through a representative) that Morses Club PLC (Morses) didn’t carry out effective affordability checks. Had it done so, then Mr T wouldn’t have been provided with the loans. What happened Our adjudicator partially upheld Mr T’s complaint. Morses d... (6 pages)View decision -
Decision Reference DRN-3098757
23 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3098757 The complaint Ms G says Morses Club PLC lent to her irresponsibly. She says that she was in a ‘debt spiral’ and so she couldn’t easily repay the lending. She thinks that Morses shouldn’t have lent to her because of this. What happened This complaint is about five home collecte... (4 pages)View decision -
Decision Reference DRN-3107765
23 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3107765 The complaint Ms G, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses and Ms G, here is a summary of the loans approved. Loan Date Taken Date Repaid Instalments Amount Weekly Repayment 1 15/07/2015 ... (3 pages)View decision -
Decision Reference DRN-3132552
23 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3132552 The complaint Ms A says Morses Club PLC lent to her irresponsibly. Ms A says that she was in a ‘debt spiral’ and she couldn’t afford the repayments towards her Morses loans. She thinks that Morses should’ve seen this and not lent to her. What happened This complaint is about f... (3 pages)View decision
