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-3843360
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3843360 The complaint Mrs S complains Morses Club PLC (Morses) gave her loans that she couldn’t afford to repay. What happened Mrs S took seven home collected loans between July 2017 and September 2018. I’ve included some of the information we’ve received about these loans in the table... (6 pages)View decision -
Decision Reference DRN-3847980
8 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3847980 The complaint Mr K, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient proportionate affordability checks before it lent to him. What happened Mr K was advanced six home collected loans between April 2016 and May 2019. I’ve included som... (5 pages)View decision -
Decision Reference DRN-3770775
6 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3770775 The complaint Ms R, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms R was approved for six loans. Here is a brief loan table. There was a significant gap in lending between loans 5 and 6. Loan Start Date End Date Capital Am... (6 pages)View decision -
Decision Reference DRN-3795757
6 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3795757 The complaint Ms J, through her representative, complains that Morses Club PLC lent to her irresponsibly What happened Using information from Morses, here is a brief loan table of the seven approved for Ms J. Loan Start date Capital Amount Term in weeks Repayment amount Repaid ... (4 pages)View decision -
Decision Reference DRN-3826258
2 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3826258 The complaint Mr W complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced his loans. What happened Mr W took at least 10 loans from Morses. However, due to the age of the first two loans neither Morses ... (6 pages)View decision -
Decision Reference DRN-3833026
1 Dec 2022 Morses Club PLC UpheldConsumer CreditDRN-3833026 The complaint Miss J, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient affordability checks before it granted her loans. What happened Miss J was advanced three home collected loans between November 2017 and May 2019. I’ve included so... (5 pages)View decision -
Decision Reference DRN-3797798
30 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3797798 The complaint Ms W, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information Morses has provided, here is a brief table of the approved loans. Loan Start Date End Date Capital Amount Interest amount Term Repayment amo... (4 pages)View decision -
Decision Reference DRN-3795383
29 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3795383 The complaint Ms S, through his representative, complains that Morses Club PLC lent to him irresponsibly. What happened Using information from Morses, here is a table with brief details of the approved loans. I have included the weeks taken to repay the loans. Loan Start Date E... (4 pages)View decision -
Decision Reference DRN-3793315
24 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3793315 The complaint Miss G, through her representative, complains that Morses Club PLC, lent to her when she could not afford it. What happened Using information from Miss G’s representative and from Morses records, here is a brief loan table. The loans have all been paid. The repaym... (4 pages)View decision -
Decision Reference DRN-3677671
24 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3677671 The complaint Ms S, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms S was advanced nine home collected loans between November 2018 and February 2021. I’ve included... (7 pages)View decision
