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-3818585
23 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3818585 The complaint Ms R, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient affordability checks before it granted her loans. Had it done so, Morses would’ve realised Ms R couldn’t afford them. What happened Ms R was advanced four home colle... (4 pages)View decision -
Decision Reference DRN-3752193
21 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3752193 The complaint Mr K, through his representative, complains that Morses Club PLC, lent to him when he could not afford it. What happened Using information from Morses’ records here is a brief loan table, into which I have added the information Morses obtained from Mr K about his ... (5 pages)View decision -
Decision Reference DRN-3793403
18 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3793403 The complaint Miss R complains through a representative that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted loans to her. What happened Miss R took four home collected loans from Morses between July 2017 and December 2017. A brie... (4 pages)View decision -
Decision Reference DRN-3797377
18 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3797377 The complaint Ms R, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms R was advanced six home collected loans between August 2016 and April 2019. I’ve included some ... (5 pages)View decision -
Decision Reference DRN-3797813
18 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3797813 The complaint Ms B, through a representative, complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms B was advanced six home collected loans between March 2019 and March 2021. I’ve included some... (5 pages)View decision -
Decision Reference DRN-3812664
18 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3812664 The complaint Ms J, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient proportionate affordability checks before it granted her loans. What happened Ms J was advanced five home collected loans between July 2016 and November 2018. I’ve i... (4 pages)View decision -
Decision Reference DRN-3759495
17 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3759495 The complaint Mr A complains that Morses Club PLC lent to him irresponsibly. Mr A also complains that the breathing space period he agreed with Morses, alternatively he was in (pursuant to regulations), was breached by Morses in that it sent to him a notice of intended default.... (8 pages)View decision -
Decision Reference DRN-3793523
17 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3793523 The complaint Mr V, through his representative, complaints that Morses Club PLC lent to him when he could not afford it. What happened Both Mr V’s representative and Morses agree that Mr V was approved for six loans and here is a brief loan table. Loan Start Date End Date Capit... (3 pages)View decision -
Decision Reference DRN-3793493
17 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3793493 The complaint Miss W, through a representative, complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Miss W was advanced six home collected loans between April 2019 and December 2021. I’ve include... (5 pages)View decision -
Decision Reference DRN-3795690
17 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3795690 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 six home collected loans between January 2019 and September 2019. I’ve included some of the i... (5 pages)View decision
