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-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-5751478
15 Jan 2026 Valour Finance Limited Not upheldConsumer CreditDRN-5751478 The complaint Mr B complains about Valour Finance Limited trading as Savvy.co.uk (“Valour”). He says the credit agreement doesn’t adequately explain that extra interest that will be charged should he wish to settle the loan early. Had Mr B been aware that extra interest woul... (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 DRN6546790
17 Feb 2020 Valour Finance Limited Not upheldBanking and creditMr E complains that Valour Finance Limited (trading as Savvy.co.uk) gave him a loan irresponsibly.backgroundThis complaint has been brought to us by Mr E’s mother on his behalf. But, for ease, I shall refer simply to Mr E in this decision.The complaint relates to a single instalment loan o... (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 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 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