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 DRN8852838
16 Jan 2018 Morses Club PLC Not upheldBanking and creditMr A complains Morses Club PLC is responsible for irresponsible lending. He says he was able to take out numerous loans without proper checks being conducted. Mr A wants to be returned to the position he’d have been in prior to the loans.backgroundMr A tells us he took... (2 pages)View decision -
Decision Reference DRN3446173
5 Dec 2017 Morses Club PLC Not upheldBanking and creditMr B complains that Morses Club PLC provided unaffordable loans to him. He wants the interest and charges to be refunded.backgroundMr B took out eight loans with Morses over around three years. The application for each loan included estimates of his income and expen... (2 pages)View decision -
Decision Reference DRN4050366
18 Oct 2017 Morses Club Limited Not upheldBanking and creditMiss C complains that Morses Club Limited have provided unaffordable loans to her. She wants any interest and charges to be refunded to her.backgroundMiss C took out three loans with the business over the course of around two years. Before each loan, the business lo... (2 pages)View decision -
Decision Reference DRN1387385
9 Oct 2017 Morses Club Limited Not upheldBanking and creditMr T complains that loans made to him by Morses Club Limited were unaffordable. He also says on one occasion he only received £100 - not £200 as stated on the agreement. He wants all the interest on his loans refunded and for the £100 to be paid to him. He as... (2 pages)View decision -
Decision Reference DRN8811140
2 Oct 2017 Morses Club Limited Not upheldBanking and creditMs B complains that Morses Club Limited was guilty of irresponsible lending. She wants a refund of all interest paid on loans and also statutory interest on the amount refunded. Ms B has brought her complaint through a third party but for ease of reading I’ll mostly ... (3 pages)View decision -
Decision Reference DRN2350280
6 Feb 2017 Morses Club Limited Not upheldBanking and creditMr M complains that Morses Club Limited recorded a credit search on his credit file without warning him that it would do so.backgroundMr M applied to Morses Club for a payday loan. It did a credit search, which was recorded on his credit file. Mr M says he was ... (2 pages)View decision -
Decision Reference DRN3505570
29 Nov 2016 Morses Club Limited Not upheldBanking and creditMrs J and her representative complain that Morses Club Limited didn’t carry out proper affordability checks and irresponsibly granted her two unaffordable doorstep loans. They say at the time she’d little income, other defaulted accounts and a poor previous payment histor... (2 pages)View decision -
Decision Reference DRN9863281
31 Aug 2016 Morses Club Limited UpheldBanking and creditMrs L complains that Morses Club Limited didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She wants the interest refunded.backgroundMorses said in its final response that it wasn’t a payday lender and it doesn’t roll over loa... (2 pages)View decision -
Decision Reference DRN4764250
31 Aug 2016 Morses Club Limited UpheldBanking and creditMr L complains that Morses Club Limited didn’t carry out proper affordability checks and irresponsibly granted him unaffordable loans. He wants the interest refunded.backgroundMorses said in its final response that it wasn’t a payday lender and it doesn’t roll over loan... (3 pages)View decision -
Decision Reference DRN3717895
5 Jul 2016 Morses Club Limited Not upheldBanking and creditMrs H complains that Morses Club Limited wrongly put adverse entries on her credit file, which were preventing her from getting credit.backgroundIn January 2016 Mrs H complained to Morses Club about default entries on her credit file. In March Morses Club responded ... (2 pages)View decision
