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-3032523
17 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3032523 The complaint Miss R says Morses Club PLC lent to her irresponsibly. She says that she had debt problems when Morses lent to her. She thinks that Morses should’ve seen this and not approved the loans. What happened Our adjudicator thought the complaint should be partially uphe... (5 pages)View decision -
Decision Reference DRN-3094569
17 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-3094569 The complaint Miss C, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses about the loans approved for Miss C, a brief table has been compiled. Loan Date Taken Date Repaid Weekly Instalments Amount Ma... (3 pages)View decision -
Decision Reference DRN-3094588
16 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3094588 The complaint Ms W says Morses Club PLC lent to her irresponsibly. Ms W said she already had a significant amount of debt when she took the Morses loans. So, they weren’t affordable for her and Morses shouldn’t have approved them. What happened This complaint is about five hom... (4 pages)View decision -
Decision Reference DRN-3013597
11 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3013597 The complaint Mr D, through his representative, complains that Morses Club PLC lent to him when it had not carried out enough checks on his financial situation before lending. What happened Morses has provided us with information on some loans. The brief table below is taken fr... (5 pages)View decision -
Decision Reference DRN-3147937
9 Nov 2021 Morses Club PLC UpheldConsumer CreditDRN-3147937 The complaint Ms C says Morses Club PLC lent to her irresponsibly. She says the debt, and the ongoing repayments to it, worsened her financial situation. She thinks Morses should’ve made better checks and not lent to her. What happened Our adjudicator thought the complaint shou... (4 pages)View decision -
Decision Reference DRN-2963647
5 Nov 2021 Morses Club PLC Not upheldConsumer CreditDRN-2963647 The complaint Mrs T complains that Morses Club PLC lent to her irresponsibly. Mrs T is represented by a third party. What happened Using information provided by Morses, here is a brief table of the approved loans for Mrs T. Loan No Borrowed Date Actual End Date Term (weeks) Amo... (3 pages)View decision -
Decision Reference DRN-3035983
27 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3035983 The complaint Mr N says Morses Club PLC lent to him irresponsibly. He says that Morses should have made better checks before lending. If it had done this Mr N says it wouldn’t have lent to him. What happened Our adjudicator thought the complaint should be partially upheld. He t... (4 pages)View decision -
Decision Reference DRN-2964376
25 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-2964376 The complaint Ms H says Morses Club PLC lent to her irresponsibly. Ms H says that this unaffordable high cost lending caused a debt spiral, leading to repeat borrowing. This made her already poor financial situation worse. What happened This complaint is about eight home colle... (4 pages)View decision -
Decision Reference DRN-3121665
22 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3121665 The complaint Mr M says Morses Club PLC lent to him irresponsibly. He says that proper affordability checks weren’t undertaken before the lending was approved. He says it they had been, then Morses wouldn’t have lent to him. What happened Our adjudicator thought the complaint s... (3 pages)View decision -
Decision Reference DRN-3116258
22 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3116258 The complaint Ms P (by the way of her representative) has complained that Morses Club PLC (Morses) gave her unaffordable loans. What happened Our adjudicator partly upheld Ms P’s complaint. Morses didn’t agree with the adjudicator’s opinion. The complaint was then passed to me.... (4 pages)View decision
