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-3853841
27 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3853841 The complaint Miss M, through her representative, complains that Morses Club PLC, lent to her when she could not afford it. What happened Using information supplied by Morses, here is a loan table. The last loan is with a debt collector. Morses has agreed to put things right fo... (4 pages)View decision -
Decision Reference DRN-3842303
26 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3842303 The complaint Mr B, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted him loans. What happened Mr B was advanced seven home collected loans between May 2016 and March 2019. I’ve included some o... (5 pages)View decision -
Decision Reference DRN-3856154
25 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3856154 The complaint Ms B, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms B’s representative has informed us that she took seven loans with Morses. Morses in its final response letter (FRL) following Ms B’s complaint which starte... (4 pages)View decision -
Decision Reference DRN-3910293
24 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3910293 The complaint Ms A complains through a representative that Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Ms A took a total of four loans from Morses between October 2016 and November 2021. A summary of her total borrowing can be found ... (7 pages)View decision -
Decision Reference DRN-3826367
24 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3826367 The complaint Ms F, through her representative, complains that Morses Club PLC lent to her when she could not afford it. She says Morses lent to her irresponsibly. What happened Ms F was approved for 9 loans. Here is a brief loan table. Loan Start Date End Date Capital Amount I... (4 pages)View decision -
Decision Reference DRN-3842099
19 Jan 2023 Morses Club PLC Not upheldConsumer CreditDRN-3842099 The complaint Ms B, through her representative, complains that Morses Club PLC lent to her irresponsibly. Ms B says that Morses did not properly undertake affordability checks when granting the credit and did not pick up on signs of her over indebtedness. What happened Ms B was... (4 pages)View decision -
Decision Reference DRN-3881909
17 Jan 2023 Morses Club PLC Not upheldConsumer CreditDRN-3881909 The complaint Mrs W complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Mrs W says she kept taking out loans to repay previous borrowing. What happened Mrs W was advanced a total of 14 home collected loans. Ho... (4 pages)View decision -
Decision Reference DRN-3825224
13 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3825224 The complaint Ms W, through her representative, complains that Morses Club PLC lent to her irresponsibly. Ms W says that she was on benefits and a low income and was not able to afford these loans. What happened Using information provided by Morses, here is a brief loan table. ... (6 pages)View decision -
Decision Reference DRN-3826567
12 Jan 2023 Morses Club PLC Not upheldConsumer CreditDRN-3826567 The complaint Mr B, through his representative, has complained that Morses Club PLC lent to him irresponsibly. What happened Using information from Morses’ records, here is a brief loan table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount Weeks L... (5 pages)View decision -
Decision Reference DRN-3826178
6 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3826178 The complaint Mrs D, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Mrs D was advanced six home collected loans between March 2018 and November 2019. I’ve included s... (5 pages)View decision
