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-2955564
8 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-2955564 The complaint Mrs S, through her representative, complains that Morses Club PLC, failed to carry out effective affordability assessments and loans advanced to Mrs S would not have been approved if those had been done. What happened Morses Club PLC has explained that it acquired... (5 pages)View decision -
Decision Reference DRN-3037413
8 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3037413 The complaint Mr I complains that Morses Club PLC did not carry out the right checks before approving a loan for him in 2013. Mr I says that Morses should not have approved that loan. What happened Morses approved Mr I for a loan of £400 on 18 November 2013. It was scheduled to... (3 pages)View decision -
Decision Reference DRN-3043969
7 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3043969 The complaint Mr L has complained that Morses Club PLC didn’t carry out proper affordability checks, had Morses done so it would’ve seen he was in a cycle of taking high cost credit and not lent to him. What happened Mr L took one home credit loan from Morses in September 2020... (3 pages)View decision -
Decision Reference DRN-3016994
5 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3016994 The complaint Ms P says Morses Club PLC lent to her irresponsibly. She says that Morses didn’t make proper affordability checks. She says that if it had made these checks then it wouldn’t have lent to her. What happened This complaint is about four home collected loans Morses p... (2 pages)View decision -
Decision Reference DRN-3049461
4 Oct 2021 Morses Club PLC Not upheldConsumer CreditDRN-3049461 The complaint Ms B, through her representative, complains that Morses Club PLC, lent to her when she could not afford it. What happened Using information from Morses here is a brief table of the approved loans. Both parties refer to a loan being approved before August 2013 but ... (3 pages)View decision -
Decision Reference DRN-2982609
4 Oct 2021 Morses Club PLC UpheldConsumer CreditDRN-2982609 The complaint Mr W (through a representative) has complained that Morses Club PLC (Morses) gave him unaffordable loans. What happened Mr W took five loans from Morses between August 2014 and December 2016. A summary of his borrowing, based on the information provided to us from... (4 pages)View decision -
Decision Reference DRN-3077886
30 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-3077886 The complaint Miss R complains that Morses Club PLC lent to her irresponsibly. What happened Three loans were approved for Miss R in February, April and June 2020. Some repayments have been made. Here is a brief summary taken from Morses’ records. Loan Start Date End Date Capit... (7 pages)View decision -
Decision Reference DRN-3034023
23 Sep 2021 Morses Club PLC Not upheldConsumer CreditDRN-3034023 The complaint Miss M, through her representative, complains that Morses Club PLC lent to her irresponsibly. She says that not enough checks were carried out, and Morses did not ask to see her bank statements to make the right checks before lending. What happened Morses has prov... (3 pages)View decision -
Decision Reference DRN-3015684
22 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-3015684 The complaint Miss D complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses’ records, here is a brief table of the approved loans. loan date taken date repaid amount borrowed Agreed term (actual term) weekly rate 1 24/08/2017 26/03... (5 pages)View decision -
Decision Reference DRN-2861922
17 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-2861922 The complaint Mr G says Morses Club PLC lent to him irresponsibly. He says that he was in a debt spiral and so he couldn’t afford the short-term loans. He says that Morses should have made better checks into his financial circumstances, found out about this and not lent to him.... (4 pages)View decision
