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-3086950
22 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3086950 The complaint Mrs T, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses and Mrs T, here is a summary of the loans approved. Morses has explained ‘If any loans are outside our data retention period of... (4 pages)View decision -
Decision Reference DRN-3124820
22 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3124820 The complaint Mr B says Morses Club PLC lent to him irresponsibly. Mr B says that he was in a ‘debt spiral’ and so he couldn’t afford the Morses loans. He thinks that Morses should’ve seen this and not lent to him. What happened This complaint is about four home collected loan... (4 pages)View decision -
Decision Reference DRN-3122891
22 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3122891 The complaint Mr B, represented by a third party, complains that Morses Club PLC trading as Morses Club was irresponsible in its lending to him. What happened Mr B was provided with six loans between January 2014 and September 2017. Loan Date Taken Date Repaid Amount 1 07/01/20... (3 pages)View decision -
Decision Reference DRN-3037792
19 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3037792 The complaint Mr S, represented by a third party, complains that Morses Club PLC was irresponsible in its lending to him. What happened Mr S was provided with four home credit loans by Morses Club between January 2017 and May 2018. Loan Start Date End Date Amount Term (weeks) W... (3 pages)View decision -
Decision Reference DRN-3124773
19 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3124773 The complaint Mrs N complains that Morses Club PLC trading as Morses Club was irresponsible in its lending to her. What happened Mrs N was provided with 10 loans by Morses Club between April 2013 and November 2017, details of these are below. There is a suggestion that Mrs N ma... (4 pages)View decision -
Decision Reference DRN-3135512
19 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3135512 The complaint Mr W complains that Morses Club PLC trading as Morses Club was irresponsible in its lending to him. What happened Mr W was provided with loans by Morses Club. He has said that he was provided with loans before those listed below however further evidence of these h... (3 pages)View decision -
Decision Reference DRN-3076131
19 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3076131 The complaint Ms F says Morses Club PLC lent to her irresponsibly. Ms F says that she had other lending when Morses approved the loans. And so, it was problematic for her to make the loan repayments. She thinks Morses shouldn’t have lent because of this. What happened This com... (4 pages)View decision -
Decision Reference DRN-3162718
18 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3162718 The complaint Mrs F says Morses Club PLC lent to her irresponsibly. What happened Our adjudicator thought the complaint should be partially upheld. Morses disagreed with the adjudicator’s opinion. The complaint was then passed to me. I issued my provisional decision saying that... (3 pages)View decision -
Decision Reference DRN-3013578
18 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3013578 The complaint Mr H (through a representative) has complained that Morses Club PLC trading as Morses Club (Morses) didn’t carry out proper affordability checks. What happened Mr H took two home collected loans from Morses between August and November 2015. A summary of his borro... (3 pages)View decision -
Decision Reference DRN-3013590
18 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3013590 The complaint Ms H (through a representative) has complained that Morses Club PLC (Morses) didn’t carry out proper affordability checks. What happened Ms H took two home collected loans from Morses between August and November 2015. A summary of her borrowing, based on the info... (3 pages)View decision
