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-4074097
23 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074097 The complaint Mrs M, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk (Valour) lent to her when she could not afford it. What happened Mrs M took one loan with Valour in November 2018 for £550. The interest payable was £549.92 and so the... (3 pages)View decision -
Decision Reference DRN8526384
14 Jun 2018 Valour Finance Limited Not upheldBanking and creditMiss P complains about the loans she took out with Valour Finance Limited trading as Savvy.co.uk. backgroundMiss P took out 3 loans with Savvy from January 2015 to July 2015. Some of the information Savvy has given us shows that these are: Loan 1 was started on 15 Ja... (3 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 -
Decision Reference DRN-1916432
30 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1916432 The complaintMr A has complained about a number of loans he took out through a company called Valour Finance Limited, trading as Savvy.co.uk. Mr A says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Savvy”... (3 pages)View decision -
Decision Reference DRN2730255
6 Jun 2019 Valour Finance Limited Not upheldBanking and creditMr P says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr P took out a loan with Valour Finance in January 2017. He borrowed £2,000 and was scheduled to repay it in 18 monthly instalments of about £222. Mr P actually settled the l... (3 pages)View decision -
Decision Reference DRN-2915697
10 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2915697 The complaint Mr G complains that Valour Finance Limited trading as Savvy.co.uk (Savvy) was irresponsible in its lending to him. What happened Mr G was provided with a loan for £600 by Savvy in November 2020. It was repayable over 12 monthly instalments of £100. Mr G says that ... (3 pages)View decision -
Decision Reference DRN-1886671
29 Jul 2020 Valour Finance Limited UpheldConsumer CreditDRN-1886671 The complaintMr F says Valour Finance Limited – trading as Savvy.co.uk (“Savvy”) - irresponsibly lent to him. What happenedThis complaint is about two instalment loans Savvy provided to Mr F between March and May 2019. Both loans were for £750 and repayable over 15 months. The... (3 pages)View decision -
Decision Reference DRN-2755763
24 May 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2755763 The complaint Mr W complains that Valour Finance Limited (trading as Savvy.co.uk) didn’t do enough checks before agreeing to lend to him and so the lending was irresponsible. What happened Mr W borrowed £1,200 from Savvy on 26 May 2020. The loan was due to be repaid by 12 month... (3 pages)View decision -
Decision Reference DRN-4127274
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4127274 The complaint Mr B, through his representative, complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened Mr B applied for one loan in November 2020. He was offered £1,000 but took £400 repayable at £100 a m... (3 pages)View decision -
Decision Reference DRN0272965
24 Jan 2020 Valour Finance Limited Not upheldBanking and creditComplaintMr M complains that Valour Finance Limited (trading as Savvy.co.uk 'Savvy') provided him with a loan that was unaffordable.BackgroundSavvy lent Mr M £750 on 14 January 2015. This loan was due to be repaid in 12 monthly instalments and was settled on 29 November 2015.Mr M... (3 pages)View decision
