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 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-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 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 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 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 -
Decision Reference DRN9801990
21 Sep 2017 Valour Finance Limited Not upheldBanking and creditMr F complains that Valour Finance Limited (trading as Savvy.co.uk) was irresponsible to lend him money as he had a poor credit history and the repayments were unaffordable to him.backgroundMr F applied for a £500 loan on 11 December 2016. The loan was to be repaid ... (2 pages)View decision -
Decision Reference DRN5925911
19 Dec 2019 Valour Finance Limited Not upheldBanking and creditMr H says that Valour Finance Limited, trading as Savvy.co.uk, lent to him in an irresponsible manner. backgroundSavvy gave Mr H a loan of £750 in July 2016. There was an additional processing fee of £75. At the outset, the loan was to be repaid over 18 months at £68.76 a month. Mr H repai... (3 pages)View decision
