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-3045837
16 Sep 2021 Morses Club PLC Not upheldConsumer CreditDRN-3045837 The complaint Ms B complains that she cannot afford the loans Morses Club PLC gave her. What happened Morses records show that Ms B took four loans and a brief summary appears here: Loan Date Taken Date Repaid Instalments Amount Highest Repayment* 1 22/09/2017 09/03/2018 20 £20... (4 pages)View decision -
Decision Reference DRN-2946924
14 Sep 2021 Morses Club PLC Not upheldConsumer CreditDRN-2946924 The complaint Mr G complains, through his representative, that Morses Club PLC lent to him irresponsibly. What happened Using information sent to us by Morses here is a brief table of the approved loans. Loan Approved amount Rate and weeks Repaid 1 4 May 2017 £400 £20 x 33 16 O... (3 pages)View decision -
Decision Reference DRN-2964814
3 Sep 2021 Morses Club PLC UpheldConsumer CreditDRN-2964814 The complaint Mrs F says Morses Club PLC lent to her irresponsibly. She says that Morses didn’t perform adequate checks before it granted her lending. And so, it wasn’t appropriate to lend to her. What happened This complaint is about 12 home collected loan Morses provided to M... (3 pages)View decision -
Decision Reference DRN-2948782
3 Aug 2021 Morses Club PLC Not upheldConsumer CreditDRN-2948782 The complaint Mr H complains (via a representative) Morses Club PLC (Morses) didn’t carry out effective affordability checks. Had it done so, then Mr H wouldn’t have been provided with the loans. What happened Our adjudicator partly upheld Mr H’s complaint. Morses didn’t agree ... (4 pages)View decision -
Decision Reference DRN-2859359
21 Jul 2021 Morses Club PLC Not upheldConsumer CreditDRN-2859359 The complaint Mr G complains Morses Club PLC (Morses) lent to him irresponsibly. What happened Mr G took three home credit loans between December 2016 and May 2017. I’ve included some of the information we’ve received about these loans in the table below. Loan Number Loan Amoun... (3 pages)View decision -
Decision Reference DRN-2906454
15 Jul 2021 Morses Club PLC UpheldConsumer CreditDRN-2906454 The complaint Ms W complains that Morses Club PLC was irresponsible in its lending to her. What happened Morses Club provided Ms W with five loans between November 2015 and September 2016. Loan Amount Date Repaid 1 £200 Nov-15 Mar-16 2 £200 Feb-16 Aug-16 3 £300 Mar-16 Sep-16 4 ... (4 pages)View decision -
Decision Reference DRN-2847738
7 Jul 2021 Morses Club PLC Not upheldConsumer CreditDRN-2847738 The complaint Mrs P complains that Morses Club PLC lent to her irresponsibly. What happened Mrs P has supplied the copy agreements for loans 2, 3 and 4, which has been helpful as Morses supplied a brief loan table and no documentation at all. It explained that the time between ... (6 pages)View decision -
Decision Reference DRN-2898016
2 Jul 2021 Morses Club PLC UpheldConsumer CreditDRN-2898016 The complaint Ms A complains that Morses Club PLC was irresponsible in its lending to her. What happened Morses Club provided Ms A with four loans between June 2017 and May 2020. Ms A says that Morses Club didn’t carry out adequate checks before providing the loans and had it d... (4 pages)View decision -
Decision Reference DRN-2897723
28 Jun 2021 Morses Club PLC UpheldConsumer CreditDRN-2897723 The complaint Miss P complains that Morses Club PLC was irresponsible in its lending to her. What happened Morses Club provided Miss P with four loans between April 2015 and July 2016. The details of these are set out below. Loan Amount Date Repaid 1 £100 21/04/2015 29/10/2015 ... (4 pages)View decision -
Decision Reference DRN-2844445
3 Jun 2021 Morses Club PLC UpheldConsumer CreditDRN-2844445 The complaint Miss B complains that Morses Club PLC lent to her irresponsibly. Miss B is represented by a third party. What happened Using information from Morses, here is a brief loan table of the approved loans. loan date taken date repaid amount borrowed term 1 11/08/2016 06... (4 pages)View decision
