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 DRN1846459
27 Jan 2020 Morses Club PLC Not upheldBanking and creditMr S says Morses Club PLC irresponsibly lent to him.backgroundThis complaint is about one home credit loan Morses Club PLC provided to Mr S in September 2016. The loan was for £100 and was to be repaid in 20 weekly instalments of £7.50. Mr S didn’t repay his loan and so it was referred to ... (2 pages)View decision -
Decision Reference DRN7625949
15 Jan 2020 Morses Club PLC UpheldBanking and creditMr B says Morses Club Plc (“Morses Club”) irresponsibly lent to him. He says the proper checks weren’t done before his loans were provided to the extent that his name wasn’t even properly recorded on the application forms. He’s also unhappy that he was offered further loans to clear the ba... (4 pages)View decision -
Decision Reference DRN8987552
22 Nov 2019 Morses Club PLC UpheldBanking and creditMrs O’s estate says Morses Club Plc irresponsibly lent to her.backgroundThis complaint is about 15 home credit loans Morses club provided to Mrs O between August 2013 and February 2015. Mrs O’s borrowing history is as follows: loan numberstart dateloan amountend date 1 20/08/2013 300 10/07... (3 pages)View decision -
Decision Reference DRN6469077
8 Mar 2019 Morses Club PLC Not upheldBanking and creditMiss C complains Morses Club PLC was irresponsible when lending her money and that correct affordability and credit checks were not carried out. background Between June 2013 and December 2014 Miss C took out six loans ranging from £300 to £600 with Shopacheck Financial S... (3 pages)View decision -
Decision Reference DRN7548250
8 Mar 2019 Morses Club PLC Not upheldBanking and creditMiss C complains Morses Club PLC was irresponsible when lending her money and that correct affordability and credit checks were not carried out. background Between June 2013 and August 2015 Miss C took out nine loans ranging from £300 to £600. I have addressed loans on... (4 pages)View decision -
Decision Reference DRN5178355
30 Jan 2019 Morses Club PLC Not upheldBanking and creditMrs P complains that Morses Club PLC has recorded defaults on her credit history incorrectly. backgroundMrs P had three accounts with Morses which she was paying £8 a month towards via a continuous payment authority. The £8 payment was split across the three accounts. ... (2 pages)View decision -
Decision Reference DRN8599687
30 May 2018 Morses Club PLC Not upheldBanking and creditMr A complains that Morses Club PLC engaged in irresponsible lending to him.backgroundMr A says if relevant checks had been carried out when he took out his loans MC would’ve known the lending was unsuitable when he was still in an IVA with considerable late payments,... (2 pages)View decision -
Decision Reference DRN5888016
23 May 2018 Morses Club PLC Not upheldBanking and creditMr S is unhappy with the way Morses Club PLC (Morses) have handled his accounts with it.backgroundMr S has two accounts with Morses. He says when he took them he was assured that an agent would call each week to collect the payments. But: agents haven’t called ... (2 pages)View decision -
Decision Reference DRN5979800
22 May 2018 Morses Club PLC Not upheldBanking and creditMr O complains about the service he received from Morses Club PLC in relation to his loan account.backgroundMr O says MC’s agent discussed his account with his neighbour. He says the agent told his neighbour he was angry with Mr A because he doesn’t keep up with hi... (2 pages)View decision -
Decision Reference DRN0224139
2 May 2018 Morses Club PLC Not upheldBanking and creditMiss S complains Morses Club PLC (Morses) was irresponsible to lend her money. She says she was able to take out numerous loans without proper checks being conducted. Miss S would like Morses to refund the interest she’s paid and to compensate her for being deprived of ... (2 pages)View decision
