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-3116690
21 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3116690 The complaint Ms M, through her representative, complains that Morses Club PLC lent to her without having carried out enough affordability checks. What happened Using information from Morses, here is a brief table of the approved loans. Loan Date Taken Date Repaid Instalments A... (6 pages)View decision -
Decision Reference DRN-3046088
21 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3046088 The complaint Miss M, through her representative, complains that Morses Club PLC lent to her without carrying out suitable checks to ensure she could afford the loans. What happened Morses has sent to us information about the four loans approved for her. A brief table is here: ... (5 pages)View decision -
Decision Reference DRN-2977804
19 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-2977804 The complaint Mr J says Morses Club PLC lent to him irresponsibly. He says that he was in a ‘debt spiral’ and he thinks that Morses should’ve realised this and not lent to him. What happened This complaint is about six home collected loans Morses provided to Mr J between July ... (4 pages)View decision -
Decision Reference DRN-2972810
19 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-2972810 The complaint Mrs I (through a representative) has complained that Morses Club PLC didn’t carry out proper affordability checks, had Morses done so it would’ve seen she was in debt spiral and not lent to her. What happened Mrs I took two home credit loan from Morses between Jan... (3 pages)View decision -
Decision Reference DRN-2985845
13 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-2985845 The complaint Ms J says Morses Club PLC lent to her irresponsibly. She says that she had a significant amount of other debt and this led to it being problematic to make the loan repayments. She says that Morses should have made better checks and it would’ve seen this and not le... (4 pages)View decision -
Decision Reference DRN-3057352
13 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3057352 The complaint Mr M (through a representative) has complained that Morses Club PLC provided him with loans he couldn’t afford to repay. What happened Mr M took four home credit loans which Morses are responsible for between June 2013 and July 2015. A summary of his borrowing, ba... (4 pages)View decision -
Decision Reference DRN-3097612
13 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3097612 The complaint Miss O (by the way of her representative) has complained that Morses Club PLC (Morses) gave her unaffordable loans. What happened Our adjudicator partly upheld Miss O’s complaint. Morses didn’t agree with the adjudicator’s opinion. The complaint was then passed to... (4 pages)View decision -
Decision Reference DRN-3053625
12 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3053625 The complaint Ms F says Morses Club PLC lent to her irresponsibly. She says that she had a significant amount of debt already and so these loans weren’t affordable for her. She thinks that Morses should’ve found out about this and not lent to her. What happened This complaint ... (4 pages)View decision -
Decision Reference DRN-3022072
11 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3022072 The complaint Mr N says Morses Club Plc lent to him irresponsibly. He says that Morses didn’t make proportionate checks before approving the loans. Mr N says that if it had done it wouldn’t have lent to him. What happened This complaint is about three home collected loans Mors... (4 pages)View decision -
Decision Reference DRN-3006578
11 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-3006578 The complaint Mr B (through a representative) has complained that Morses Club PLC provided him with loans he couldn’t afford to repay. What happened Mr B took six home credit loans from Morses between March 2017 and October 2019. A summary of his borrowing, based on the inform... (5 pages)View decision
