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-1854163
23 Jul 2020 Morses Club PLC UpheldConsumer CreditDRN-1854163 The complaintMrs P says Morses Club PLC (“Morses”) irresponsibly lent to her.What happenedThis complaint is about four home collected credit loans Morses provided to Mrs P between August 2017 and October 2018. Mrs P’s borrowing history is summarised below: LoanDate Taken Date ... (3 pages)View decision -
Decision Reference DRN-2021882
22 Jul 2020 Morses Club PLC UpheldConsumer CreditDRN-2021882 The complaintMr M says Morses Club PLC lent to him irresponsibly. He says Morses kept giving him loans without checking his details. And this caused him financial problems. What happenedOur adjudicator thought the complaint should be partially upheld. Morses disagreed with the... (3 pages)View decision -
Decision Reference DRN-1760848
25 Jun 2020 Morses Club PLC UpheldConsumer CreditDRN-1760848 The complaintMr M says Morses Club PLC lent to him irresponsibly. He says making the loan repayments was difficult and he couldn’t really afford them. When he was facing these problems Morses approved further loans over a long period of time. He thinks that Morses shouldn’t hav... (3 pages)View decision -
Decision Reference DRN-1715085
24 Jun 2020 Morses Club PLC Not upheldConsumer CreditDRN-1715085The complaintMr L is unhappy about a loan he has with Morses Club PLC.What happenedMr L took out a £100 loan from Morses Club in April 2019. He thinks Morses Club shouldn't have given him the loan. He also thinks he shouldn't have to repay the loan because Morses Club&... (1 page)View decision -
Decision Reference DRN4507008
5 Jun 2020 Morses Club PLC UpheldBanking and creditMr T says Morses Club PLC lent to him irresponsibly. He says he has health conditions that compel him to make purchases. This led to him taking loans that he couldn’t afford to repay. He also says his father informed Morses about this, but it still continued to lend. backgroundMr T has, in... (4 pages)View decision -
Decision Reference DRN1022070
6 May 2020 Morses Club PLC UpheldBanking and creditMr W complains that Morses Club PLC lent to him irresponsibly. backgroundUsing some of the information Morses has given to us here is a brief summary of the loans approved for Mr W. These were home-credit loans.Loan NoDate TakenDate closedAmount takenLargest Repay AmountNo of Instalments 1... (3 pages)View decision -
Decision Reference DRN1687665
4 May 2020 Morses Club PLC UpheldBanking and creditMiss B says Morses Club PLC lent to her irresponsibly. She says she was encouraged to take on more debt just to keep things going and she struggled to make the repayments. She thinks Morses knew she was in difficulty and so it shouldn’t have lent to her. backgroundThis complaint is about s... (4 pages)View decision -
Decision Reference DRN1407087
20 Apr 2020 Morses Club PLC UpheldBanking and creditComplaintMr J has complained that Morses Club PLC acted irresponsibly when it provided him with unaffordable home credit loans. BackgroundThis complaint is about five home collected credit loans Morses Club provided to Mr J between October 2013 and September 2015. Mr J was also provided wi... (4 pages)View decision -
Decision Reference DRN-1606139
25 Feb 2020 Morses Club PLC UpheldConsumer CreditDRN-1606139 The complaintMiss J says Morses Club PLC (Morses) lent to her irresponsibly. She says she was in a vulnerable position at the time of lending and she also says the Morses agent took advantage of her. This caused her to suffer financial detriment and it also caused her a signifi... (5 pages)View decision -
Decision Reference DRN2612253
13 Feb 2020 Morses Club PLC UpheldBanking and creditMr B complains that Morses Club PLC acted irresponsibly when it provided him with unaffordable “doorstep loans”. backgroundMr B took seven home-collected loans with Morses Club between November 2014 and May 2017. This table includes some of the information provided to us by Morses Club abo... (8 pages)View decision
