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-2264316
15 Oct 2020 Morses Club PLC UpheldConsumer CreditDRN-2264316 The complaint Mr B complained about a number of home-collected loans he took out through a company called Morses Club PLC. Mr B says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “MCPLC” throughout this dec... (3 pages)View decision -
Decision Reference DRN-2188931
7 Oct 2020 Morses Club PLC Not upheldConsumer CreditDRN-2188931 The complaint Mr N has complained about the payment options he was offered by Morses Club PLC (“Morses Club”) when it was unable to send an agent to collect payments as a result of the pandemic. He says he wasn’t able to make payment at the post office with the barcode provided... (2 pages)View decision -
Decision Reference DRN-2145743
2 Oct 2020 Morses Club PLC UpheldConsumer CreditDRN-2145743 The complaint Mrs C says Morses Club PLC irresponsibly lent to her. Mrs C says Morses told her how much she could borrow rather than consider whether she could afford to repay the loans. Mrs C says she was never asked for proof of her income and that Morses’ representative woul... (4 pages)View decision -
Decision Reference DRN8276894
1 Oct 2020 Morses Club PLC Not upheldBanking and creditMs P complaints that Morses Club Plc (“Morses Club”) are holding her responsible for three doorstep loans which she says she didn’t enter into. background Ms P disputes having entered into three loans agreement between 2012 and 2013. She claims not to have obtained any new borrowing since ... (2 pages)View decision -
Decision Reference DRN-2087258
22 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-2087258The complaintMr T says Morses Club PLC irresponsibly lent to him. What happenedThis complaint is about 10 home collected credit loans provided to Mr T. It’s not clear when loan 1 was provided to Mr T but loans 2 to 10 were provided to him between January 2014 and July 2018. Mr T... (3 pages)View decision -
Decision Reference DRN-2090658
21 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-2090658The complaintMiss P says Morses Club PLC lent to her irresponsibly. She says that the lender didn’t carry out adequate affordability checks. If it had done these it wouldn’t have lent to her. What happenedThis complaint is about three home collected loans Morses provided to Miss... (3 pages)View decision -
Decision Reference DRN-2114678
17 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-2114678The complaintMiss C says Morses Club PLC irresponsibly lent to her. Miss C says she was reliant on this type of lending and she got into a spiral of debt. Her credit report would have shown late payments, defaults and credit applications. What happenedThis complaint is about 27 ... (4 pages)View decision -
Decision Reference DRN-2024862
10 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-2024862The complaintMr H says Morses Club PLC (“Morses”) irresponsibly lent to him. Mr H says the lending was unaffordable for him. What happenedThis complaint is about nine home collected credit loans provided to Mr H between March 2015 and February 2019. There were some earlier loans... (4 pages)View decision -
Decision Reference DRN-2004873
3 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-2004873The complaintMrs B says Morses Club PLC (“Morses”) irresponsibly lent to her. Mrs B says Morses failed to carry out sufficient affordability checks. If it had done it would have seen that it shouldn’t have given her the loans. What happenedThis complaint is about two home collec... (3 pages)View decision -
Decision Reference DRN-1987496
3 Sep 2020 Morses Club PLC UpheldConsumer CreditDRN-1987496The complaintMiss C says Morses Club PLC (“Morses”) irresponsibly lent to her. Miss C says Morses repeatedly lent to her while she was receiving benefits and couldn’t afford the loans. As a result, Miss C got into debt with her other bills as she couldn’t keep up with those paym... (4 pages)View decision
