Also known as: Morses Club; Dot Dot Loans (via subsidiary Shelby Finance Ltd)
Morses Club Limited was a UK home credit lender, also known as doorstep lending. It provided small, short-term loans collected in person at customers' homes by local agents who visited weekly to collect repayments. Home credit is one of the oldest forms of consumer lending in the UK.
Morses Club entered administration in 2022, primarily due to a large volume of mis-selling complaints and redress claims from customers who felt they had been given unaffordable loans. Following administration, the business ceased taking new loans and wound down its existing loan book.
If you were a Morses Club customer and believe you were sold an unaffordable loan, you may have been part of the redress process. Customers with valid complaints were considered as part of the administration proceedings, though the amount received by claimants depended on the total value of claims and the assets available.
The home credit sector more broadly has faced significant regulatory scrutiny, with several lenders closing due to unaffordable lending complaints. If you had a Morses Club loan that is still being collected, contact the administrator or the company managing the wind-down for information about your account status.
Free debt advice is available from StepChange on 0800 138 1111, Citizens Advice, or National Debtline on 0808 808 4000 if you need help with any outstanding home credit debt.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Main products and services
Home collected credit / doorstep loans (formerly); Online short-term loans via Dot Dot Loans (Shelby Finance Ltd) (formerly)
Trading names and group notes
Morses Club PLC (listed holding company) owned Morses Club Limited and Shelby Finance Ltd (Dot Dot Loans). All entities are in administration or dissolved. Morses Club Services Limited (Companies House 06806190) is a related entity.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified (no longer active)
App Store
Not applicable
Google Play
Not applicable
Other review sources
Not applicable (firm in administration)
Overall public sentiment
Not applicable. Firm in administration. Historical sentiment was mixed; doorstep lending model attracted criticism for high rates and unaffordable lending practices.
Want to feel clearer before you contact a lender?
Use Ask Fin to organise your budget, spot money leaks and understand your options before you contact a provider. General guidance only — not regulated financial advice.
Start with Ask Fin — £4.99/monthGeneral guidance only. Not regulated financial advice.
General guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
Inclusive Finance Limited
Creditspring
View details →
Oakbrook Finance Limited
Likely Loans (historical — brand renamed to Finio Loans, then rebranded to OakbrookAdvance December 2025); Finio Loans (historical); OakbrookAdvance; Oakbrook Loans
View details →
Gain Credit LLC
Lending Stream; Drafty
View details →
PDL Finance Limited
Mr Lender
View details →
Spot an error on this page?
If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.
Report an issue with this page →