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-3739103
1 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3739103 The complaint Ms R, though her representative, complains that Morses Club PLC lent to her when it had not carried out proper affordability checks. If it had done, it would not have lent to Ms R. What happened Using information from Morses here is a brief loan table: Loan Date o... (4 pages)View decision -
Decision Reference DRN-3641897
28 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3641897 The complaint Mrs D complains that Morses Club PLC lent to her irresponsibly. She could not afford the loan it approved for her in November 2021. What happened Mrs D was approved for one loan in November 2021. It was for £300 and due to be repaid over 35 weeks at £15 each week.... (7 pages)View decision -
Decision Reference DRN-3721065
28 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3721065 The complaint Mr M, through his representative, complains that Morses Club PLC lent to him when he could not afford it. What happened Morses has provided some information about the loans and here is a brief loan table: Reference Date Taken Date Repaid Instalments Amount Repayme... (4 pages)View decision -
Decision Reference DRN-3765371
28 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3765371 The complaint Miss B 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 A summary of ... (3 pages)View decision -
Decision Reference DRN-3755536
27 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3755536 The complaint Miss S 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 S took fo... (4 pages)View decision -
Decision Reference DRN-3741729
27 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3741729 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 five lo... (4 pages)View decision -
Decision Reference DRN-3704465
26 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3704465 The complaint Ms O complains (through a representative) that Morses Club PLC (Morses) didn’t carry out affordability checks before it granted loans which she couldn’t afford to repay. What happened Ms O took two home collected loans from Morses between November 2016 and Februar... (3 pages)View decision -
Decision Reference DRN-3735001
21 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3735001 The complaint Mrs B, through her representative, complains that Morses Club PLC lent to her irresponsibly. What happened Using information Morses has given us here is a brief table of the loans Morses approved for her. Loan Amount borrowed Start Date End Date Repayment Amount w... (4 pages)View decision -
Decision Reference DRN-3737962
21 Oct 2022 Morses Club PLC Not upheldConsumer CreditDRN-3737962 The complaint Mr L, through his representative, complains that Morses Club PLC lent to him when he could not afford it. What happened Using what little information Morses has been able to send us – due to the age of the loans – here is a brief loan table. Loan Start Date Capita... (3 pages)View decision -
Decision Reference DRN-3729100
21 Oct 2022 Morses Club PLC UpheldConsumer CreditDRN-3729100 The complaint Mr P complains (through a representative) that Morses Club PLC (Morses) didn’t carry out proper affordability checks before it advanced his loans. Had it done so, Morses would’ve realised Mr P couldn’t afford his repayments. What happened Mr P took three loans bet... (5 pages)View decision
