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-3793244
16 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3793244 The complaint Miss R complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted a loan to her. What happened Miss R took one loan from Morses on 18 February 2022. She borrowed £400 to be repaid over 3... (3 pages)View decision -
Decision Reference DRN-3789567
16 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3789567 The complaint Ms S complains Morses Club PLC (Morses) didn’t check whether she could afford to pay back the loans which were granted to her. What happened Ms S took five loans between November 2018 and March 2020. I’ve included some of the information we’ve received about these... (5 pages)View decision -
Decision Reference DRN-3795622
16 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3795622 The complaint Mrs W, through a representative complains that Morses Club PLC (Morses) didn’t carry out sufficient proportionate affordability checks before it granted her loans. What happened Mrs W was advanced four home collected loans between June 2018 and November 2020. I’ve... (4 pages)View decision -
Decision Reference DRN-3778544
15 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3778544 The complaint Mr W, through his representative, complains that Morses Club PLC lent to him irresponsibly. What happened Using information from Morses, here is a brief table about the loans approved and the income and expenditure figures Morses used. Loan Start Date Capital Sett... (5 pages)View decision -
Decision Reference DRN-3793364
14 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3793364 The complaint Miss L, through her representative, complains that Morses Club PLC lent to her when she was on benefits and could not afford the repayments. What happened Miss L took three loans. Her representative has said it was two but Morses has provided this loan table in it... (3 pages)View decision -
Decision Reference DRN-3795909
14 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3795909 The complaint Mrs W, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information from Morses’ records, here is a loan table. Loans 2 and 3 did overlap and so Mrs W’s repayments would have been the combined sum in the rep... (3 pages)View decision -
Decision Reference DRN-3795568
11 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3795568 The complaint Miss P complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it granted loans to her. Had it done so, Morses would’ve discovered she couldn’t afford to repay these loans. What happened Miss P was adv... (5 pages)View decision -
Decision Reference DRN-3755532
10 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3755532 The complaint Miss C complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted loans to her. Had it done so, Morses would’ve discovered she couldn’t afford to repay these loans. What happened Miss C ... (4 pages)View decision -
Decision Reference DRN-3783267
10 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3783267 The complaint Mrs R complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced her loans. Had it carried out proper checks it would’ve discovered Mrs R couldn’t afford them. What happened Mrs R took six loa... (6 pages)View decision -
Decision Reference DRN-3755514
10 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3755514 The complaint Miss W complains (through a representative) that Morses Club PLC (Morses) didn’t carry out affordability checks before it granted loans to her. Had it done so, Morses would’ve discovered she couldn’t afford to repay these loans. What happened Miss W took two loans... (4 pages)View decision
