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 89 results
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Decision Reference DRN-4236023
19 Oct 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4236023 The complaint Mrs L complains Valour Finance Limited trading as Savvy.co.uk lent her an instalment loan when it shouldn’t have. What happened Savvy lent Mrs L one instalment loan in January 2022, the loan was for £500 repayable in six monthly instalments of £166.66. Mrs L was u... (2 pages)View decision -
Decision Reference DRN-4812318
30 May 2024 Valour Finance Limited UpheldConsumer CreditDRN-4812318 The complaint Mr P complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) didn’t carry out sufficient affordability checks before it lent to him. What happened Mr P was advanced one loan of £750 on 18 February 2023 and he was due to make 52 weekly payments of £... (4 pages)View decision -
Decision Reference DRN-3992506
20 Apr 2023 Valour Finance Limited UpheldConsumer CreditDRN-3992506 The complaint Miss A complains that Valour Finance Limited trading as Savvy.co.uk (Valour) gave her loans that she couldn’t afford to repay due to the amount of existing debt she had. What happened Miss A was advanced a total of three loans between March 2019 and April 2021. I’... (5 pages)View decision -
Decision Reference DRN-2114135
7 Sep 2020 Valour Finance Limited Not upheldConsumer CreditDRN-2114135The complaintMr T says Valour Finance Limited (trading as Savvy.co.uk) lent to him irresponsibly. What happenedMr T took out a 12-month instalment loan from Savvy in October 2018. The loan was for £500, repayable in instalments of £83.33 per month. An adjudicator considered Mr ... (2 pages)View decision -
Decision Reference DRN-2911689
20 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2911689 The complaint Mr T says Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. He says he had significant financial and mental health problems at the time of lending. These would mean it wouldn’t be possible for him to repay the loans in a sustainable way. He ... (2 pages)View decision -
Decision Reference DRN-4778301
9 Aug 2024 Valour Finance Limited UpheldConsumer CreditDRN-4778301 The complaint Mr H complains about the actions of Valour Finance Limited, trading as Savvy.co.uk (“Savvy”) in relation to a debt he has with them. He says they have been unreasonable and have harassed him. What happened Mr H took out a loan with Savvy in September 2023 and w... (2 pages)View decision -
Decision Reference DRN-3221027
14 Jan 2022 Valour Finance Limited UpheldConsumer CreditDRN-3221027 The complaint Mr B complains that Valour Finance Limited trading as Savvy.co.uk acted irresponsibly when lending to him. What happened Savvy provided Mr B with a loan as follows: Date Taken Date Repaid Monthly Instalments Loan Amount Monthly Repayment 08/05/2021 outstanding 15 ... (4 pages)View decision -
Decision Reference DRN2983905
30 Jan 2020 Valour Finance Limited Not upheldBanking and creditMr O has complained about a loan he took out through a company called Valour Finance Limited trading at the time as savvy.co.uk (“Savvy”). Mr O says Savvy lent to him irresponsibly and contributed to his financial problems.backgroundWe now know that Mr O took out 1 loan from Savvy, in Apri... (3 pages)View decision -
Decision Reference DRN-2855329
11 Jun 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2855329 The complaint Mrs T complains Valour Finance Limited trading as Savvy.co.uk (‘Savvy’) lent to her irresponsibly. Mrs T also says Savvy should’ve based its lending decision on evidence such as her credit score, borrowing history, bank statements and by asking more details about ... (3 pages)View decision -
Decision Reference DRN0151928
9 Aug 2019 Valour Finance Limited Not upheldBanking and creditMr B says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr B had one loan with Savvy for £800. The repayments were about £133 per month for 12 months, commencing in August 2015.Our adjudicator considered the complaint and didn’t think Savvy had acted i... (2 pages)View decision