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-3865125
5 Jan 2023 Morses Club PLC UpheldConsumer CreditDRN-3865125 The complaint Mr L complains that Morses Club PLC (Morses) Morses gave him a loan he couldn’t afford to repay because at the time he had other short-term loans that needed repaying. What happened Mr L took one £400 loan from Morses on 31 January 2022. Mr L was due to make 35 we... (5 pages)View decision -
Decision Reference DRN-3825371
29 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3825371 The complaint Mr M, through his representative, complains that Morses Club PLC, lent to him irresponsibly. What happened Mr M took seven loans and using the records Morses heas, here is a brief table. Loan Start Date End Date Capital Amount Interest amount Term Repayment amount... (5 pages)View decision -
Decision Reference DRN-3859648
16 Dec 2022 Morses Club PLC Not upheldConsumer CreditDRN-3859648 The complaint Mrs H, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it lent to her. What happened Mrs H was advanced five home collected loans between June 2018 and November 2020. I’ve included some of... (4 pages)View decision -
Decision Reference DRN-3804196
15 Dec 2022 Morses Club PLC Not upheldConsumer CreditDRN-3804196 The complaint Ms D, through her representative, complains that Morses Club PLC lent to her when her financial situation was already poor. What happened Using information from Morses, here is a brief table of the approved loans. Loan Start Date End Date Capital Amount Interest a... (3 pages)View decision -
Decision Reference DRN-3816421
13 Dec 2022 Morses Club PLC Not upheldConsumer CreditDRN-3816421 The complaint Ms W complains that after resolving a complaint with her in January 2022, Morses Club PLC did not do as it said it would do in the settlement agreement – namely – remove all the loans it said it would remove from her credit file. What happened Ms W complained to M... (3 pages)View decision -
Decision Reference DRN-3802410
9 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3802410 The complaint Ms C, through her representative, complains that Morses Club PLC, lent to her without doing the right checks and if it had then it would not have lent to her. What happened Ms C’s representative said that she took 6 loans. The final response letter from Morses lis... (5 pages)View decision -
Decision Reference DRN-3770454
9 Dec 2022 Morses Club PLC Not upheldConsumer CreditDRN-3770454 The complaint Ms C complains (through a representative) that Morses Club PLC (Morses) gave her loans which she couldn’t afford to repay. What happened Ms C took a total of four loans from Morses. However, Morses doesn’t have any information about loan one. This is likely due to... (3 pages)View decision -
Decision Reference DRN-3793334
8 Dec 2022 Morses Club PLC UpheldConsumer CreditPage 1 of 6The complaint Ms C, through her representative, complains that Morses Club PLC lent to her when her financial situation was ‘ struggling on a minimum wage’ and her credit history was poor. So, they were lent when Ms C could not afford them. What happened Using information from M... (6 pages)View decision -
Decision Reference DRN-3837948
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3837948 The complaint Ms F, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient proportionate affordability checks before it lent to her. What happened Ms F was advanced five home collected loans between August 2017 and July 2021. I’ve included ... (7 pages)View decision -
Decision Reference DRN-3843459
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3843459 The complaint Ms M, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms M was advanced six home collected loans between February 2018 and July 2021. I’ve included some... (6 pages)View decision
