Morses Club Limited
Financial Ombudsman decision DRN-3116690 Partly upheld
Partly upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Nov 18deadline to accept (not the decision date)
The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.
What this decision was about
Irresponsible lending, Credit file reporting
In the Ombudsman’s words
Ms M, through her representative, complains that Morses Club PLC lent to her without having carried out enough affordability checks.Irresponsible lending
The overall pattern of Ms M’s borrowing for loan 4 means any information recorded about them is adverse, so Morses should remove it from Ms M’s credit file.Credit file reporting
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3116690.pdf on financial-ombudsman.org.uk.
The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.