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 79 results
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Decision Reference DRN0788688
8 Mar 2019 Valour Finance Limited Not upheldBanking and creditMr O complains that Valour Finance Limited (trading as Savvy.co.uk) gave him an instalment loan irresponsibly. He wants a refund of his interest and charges and for negative information to be removed from his credit file.backgroundMr O took out one instalment loan from ... (2 pages)View decision -
Decision Reference DRN-4487404
8 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4487404 The complaint Mr P complains that Valour Finance Limited, trading as Savvy.co.uk, declined his loan application, and failed to call him back on the phone. What happened In January 2023 Mr P applied to Savvy.co.uk for a loan. He filled in an application online, and then was told... (2 pages)View decision -
Decision Reference DRN6881201
3 Apr 2020 Valour Finance Limited UpheldBanking and creditMs C complains that Valour Finance Limited is seeking payment from her of a loan she says she didn’t take out and didn’t agree to. Valour Finance Limited trades in this case as Savvy.co.uk. backgroundIn February 2019 Savvy.co.uk received an application for a loan, apparently from Ms C. Th... (3 pages)View decision -
Decision Reference DRN-2824278
7 Jun 2021 Valour Finance Limited UpheldConsumer CreditDRN-2824278 The complaint Mr A complains that Valour Finance Limited trading as Savvy.co.uk was irresponsible in its lending to him. What happened Mr A was provided with a £1,200 instalment loan by Savvy.co.uk in August 2020. The loan was repayable over 13 four-weekly instalments of just u... (3 pages)View decision -
Decision Reference DRN-2998461
23 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2998461 The complaint Mrs M complains that Valour Finance Limited trading as Savvy.co.uk was irresponsible in its lending to her. What happened Mrs M was provided with a £750 loan by Savvy.co.uk in June 2017. The loan was repayable over 12 monthly instalments of £125. Mrs M says that a... (3 pages)View decision -
Decision Reference DRN-3161875
23 Nov 2021 Valour Finance Limited Not upheldConsumer CreditDRN-3161875 The complaint Mr L complains that Valour Finance Limited trading as Savvy.co.uk was irresponsible in its lending to him. What happened Mr L was provided with a loan for £1,000 by Savvy.co.uk in August 2020. The loan was repayable over 12 months. He says at the time of the loan ... (3 pages)View decision -
Decision Reference DRN8143604
11 Dec 2018 Valour Finance Limited Not upheldBanking and creditMiss P says Valour Finance Limited (“VFL”), trading as Lightning Loans and Savvy.co.uk, lent to her irresponsibly.backgroundI sent both parties my provisional decision on 16 November 2018. A copy of it is attached and it forms part of this final decision. The full bac... (4 pages)View decision -
Decision Reference DRN-1757366
13 Jul 2020 Valour Finance Limited Not upheldConsumer CreditDRN-1757366 The complaintMr K has complained about a loan he took from Valour Finance Limited trading as Savvy.co.uk. Mr K says Savvy lent to him irresponsibly. What happenedMr K was given a loan of £325.00 by Savvy in April 2019. The loan was repayable in 12 monthly instalments of about ... (2 pages)View decision -
Decision Reference DRN4175467
19 Mar 2020 Valour Finance Limited UpheldBanking and creditComplaintMrs K has complained that Valour Finance Limited, trading as ‘Savvy.co.uk,’ is holding her liable for a loan she didn’t take out.BackgroundMrs K is unhappy that Savvy is asking her to repay a loan, which she said she didn’t apply for. The loan application was made online using her... (3 pages)View decision -
Decision Reference DRN0640332
7 Aug 2019 Valour Finance Limited UpheldBanking and creditMr H says Valour Finance Limited (trading as Savvy.co.uk) irresponsibly lent to him.backgroundThis complaint is about four instalment loans Valour Finance provided to Mr H between June 2016 and July 2018. Mr H’s lending history is as follows: Loan one taken on 9 June 2016 for £650 to be r... (3 pages)View decision
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