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-3772526
10 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3772526 The complaint Ms W, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Had it done so, Morses would’ve realised she couldn’t afford the loans. What happened Ms W was advanced six home... (5 pages)View decision -
Decision Reference DRN-3791843
9 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3791843 The complaint Ms C, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms C was advanced five home collected loans between March 2016 and June 2018. I’ve included some o... (5 pages)View decision -
Decision Reference DRN-3790545
7 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3790545 The complaint Ms G, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Ms G was advanced two home collected loans between August 2021 and January 2022. I’ve included som... (4 pages)View decision -
Decision Reference DRN-3783126
7 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3783126 The complaint Miss K 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 K took fi... (5 pages)View decision -
Decision Reference DRN-3756876
4 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3756876 The complaint Ms H, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Ms H’s representative carried out some research before making the complaint on Ms H’s behalf and has told us it is satisfied she had six loans. Using informat... (6 pages)View decision -
Decision Reference DRN-3766501
3 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3766501 The complaint Mrs M 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 Mrs M took five... (4 pages)View decision -
Decision Reference DRN-3781782
3 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3781782 The complaint Mrs S complains that Morses Club PLC (Morses) provided her loans which she couldn’t afford to repay. What happened Mrs S was advanced 7 home collected loans between June 2019 and July 2021. I’ve included some of the information we’ve received about these loans in ... (6 pages)View decision -
Decision Reference DRN-3781795
3 Nov 2022 Morses Club PLC Not upheldConsumer CreditDRN-3781795 The complaint Mr M complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it provided him with loans. What happened Mr M was advanced four home collected loans between December 2018 and October 2020. I’ve included ... (4 pages)View decision -
Decision Reference DRN-3782306
3 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3782306 The complaint Ms W, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. Ms W says these loans weren’t affordable for her. What happened Morses provided details granted to Ms W in Febru... (7 pages)View decision -
Decision Reference DRN-3782200
3 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3782200 The complaint Ms O, through a representative complains that Morses Club PLC (Morses) didn’t carry out proportionate affordability checks before it granted her loans. What happened Morses, initially said it had only advanced three home collected loans between December 2020 and J... (7 pages)View decision
