Morses Club Loan Refunds

Morses Club offers small, short-term loans of £150- £2,000 with a 22 to 53 weeks loan period, making it one of the leading doorstep loan providers.

1.3 people in Britain have been using doorstep loans or home credit loans. The collectors or agents collect the repayments by going to your house instead of a bank or standard scheme. If you are familiar with Provident Loans, then this process may not be new to you.

Having trouble repaying a loan you may have been miss-sold?

The Financial Conduct Authority, which also regulates guarantor loans, ordered doorstep loan provider Provident this autumn to pay £169 million to customers after mis-selling them a loan product.

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Morses Club irresponsible lending complaints

In addition, doorstep loan consumers have complained of agents trying to sell them a home credit loan they cannot afford. Unaffordable loans are those for which you cannot make repayments without borrowing again.

Morses Club offers a backup option for those who are unable to pay the loan back. This is called the Morses Club loan refund; your claim could be handled by a claims management company partner who can help you through the Reclaim Experts.

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What type of loans does Morses Club offer?

Morses Club offers cash loans and doorstep loans.

Eligibility Requirement

The applicant must be at least 18 years old and not bankrupt. The applicant must also reside in the area of a Morses Club branch.

Loan Example

107.1% fixed annual rate of interest on a £300 loan. The total repayment amount is £440 over 34 weeks at £20 per week.

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Why could I receive a Morses Loan Refund?

You could receive a Morses Loan refund for the following reasons:

  • The company may have conducted the affordability checks incorrectly.
  • Irresponsible lending, where your lender forces you even though the loan is unaffordable to you.
  • Excessive charges.
  • Some of your debts might not have been disclosed during your application process. Whenever your credit record did not match this, Morses Club should have double-checked.
  • Morses Club should have looked over your regular income, employment status, or job history thoroughly, as some people state their income incorrectly.

The Morses Club and Doorstep Loans may be able to reimburse you if any of the above statements apply to your experience with them. The experienced expert team will guide you throughout the process, so it would be best to get in touch with them as soon as possible.

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Frequently Asked Questions

How do I complete my claim

There are 2 ways of completing your claim. What suits you best.

  1. Complete your application online for a human free approach.  you will receive emails to confirm further details if required.
  2. Request a call back using the call back button.  CALL ME BACK
How long will my claim take to complete?

Filling out the application only takes 30 mins to 1 hour to complete.  Usually, once your complete application is fully submitted to our lawyer will take from 30 days to a few months depending on the work required on you application.

Can I contact the lender direct to claim?

Yes you can.  However, we recommend a stress free and more likely higher refund amount on your loan as we use lawyers to fight your case instead of you fighting yourself.  Why put yourself under more stress than you need to.

What can I claim a refund for?

If you were able to take out lots of loans without the lender doing proper checks, then you may be entitled to have the loan stopped and claim for:

  • A refund for all the interest you paid on the loans.
  • Claim all loan fees and charges.
  • Interest to compensate you on the amounts above.
  • You can also ask for the removal of any negative information on your credit records.

You may still be able to claim even if you have paid the loan repayments over many years.

Why could I receive a Morses Club Loan Refund?

There are various reasons why you may be due a refund from a lender. The main reason for a claim is that the loan was unaffordable. These are general signs that the lender did not perform sufficient affordability checks:

  1. The amount borrowed increased loan by loan without reassessing your situation
  2. The loan was extended each month without reassessing your situation
  3. You were struggling to pay essentials (rent, bills, food) because of my repayments
  4. You had to borrow money from another lender to pay back a loan or cover essentials
  5. Your income changed between taking out and repaying the loan but the lender didn’t check
  6. The lender didn’t ask you any questions to confirm that I would be able to repay the loan in a sustainable way
  7. You rolled over your loans

Even if during your application process, you did not mentioned all of your debts or stated your correct regular income. Morses Club should have checked your credit record and ensured you had a regular, consistent income before giving you a loan.

How Much Will I Recieve If My Claim Is Successful?

If you are successful with your claim, you can claim back the interest and charges on your loans, plus, typically, 8% statutory interest. Which usually amounts to 1000’s.

How much will I be charged?

We always work on a no win no fee basis, meaning you won’t pay a thing unless you win compensation. You will have the right to cancel the agreement within 14 days with no penalty. If you cancel after 14 days you may be charged for work done up until the time of cancellation.  Our fee for completion is 30% of your total award.  

What Information Do I Need to Provide?

In the case of our call back service you just need to provide the name of your lender and your personal details including the address that you lived at when registering with them. Once you have given these we can obtain details of any loans where a refund may be due.

In the case of our complete online application you will need ID(Passport or Driving licence), Proof of address and any details of any loans you may have had.