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-4381667
24 Jan 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4381667 The complaint Miss W complains through a representative that Valour Finance Limited trading as Savvy.co.uk (“Valour”) was provided with a loan she couldn’t afford to repay. What happened Miss W was advanced one loan of £1,000 on 12 August 2022 and she was due to make 12 monthly... (3 pages)View decision -
Decision Reference DRN5800037
2 Apr 2020 Valour Finance Limited UpheldBanking and creditMr W says Valour Finance Limited – trading as Savvy.co.uk (“Savvy”) - irresponsibly lent to him.backgroundThis complaint is about one instalment loan Savvy provided to Mr W in August 2015. The loan was for £650 and repayable over 12 months. The monthly repayments were for £108.37. Mr W’s ... (3 pages)View decision -
Decision Reference DRN-3882265
19 Jan 2023 Valour Finance Limited Not upheldConsumer CreditDRN-3882265 The complaint Miss L complains Valour Finance Limited trading as Savvy.co.uk (Valour) gave her a loan which she says was unaffordable. What happened Miss L was advanced one loan from Valour on 25 November 2020. She was advanced £1,300 and she was contracted to make 15 monthly r... (3 pages)View decision -
Decision Reference DRN-3940305
15 Feb 2023 Valour Finance Limited Not upheldConsumer CreditDRN-3940305 The complaint Mr F complains that Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with a loan without carrying out appropriate affordability checks. What happened Mr F took one loan from Valour for £750 on 25 November 2021. Mr F was due to make eight monthly... (4 pages)View decision -
Decision Reference DRN-4809041
30 May 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4809041 The complaint Miss S complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her a loan of £1,100 when she had only applied for a loan of £400. She said if further checks had been conducted prior to lending Valour wouldn’t have lent to her because she was g... (4 pages)View decision -
Decision Reference DRN8933559
6 Mar 2020 Valour Finance Limited UpheldBanking and creditComplaintMr M complains about the way Valour Finance Limited trading as Savvy.co.uk (‘Savvy’) dealt with him after he experienced financial difficulties. BackgroundMr M took out a loan for £1,250 in February 2018. Under the terms of the agreement it was due to be repaid in 15 monthly inst... (4 pages)View decision -
Decision Reference DRN-3450406
10 May 2022 Valour Finance Limited Not upheldConsumer CreditDRN-3450406 The complaint Mr G complained that Valour Finance Limited trading as Savvy.co.uk (‘Savvy’) lent to him irresponsibly. What happened Mr G took out a loan with Savvy as follows: loan start date monthly instalments loan amount instalment amount 1 1/10/2018 6 £300 £94.70 Mr G said ... (4 pages)View decision -
Decision Reference DRN-4165312
23 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4165312 The complaint Mr C, through his representative, complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”) lent to him irresponsibly. What happened Mr C took two loans with Valour and a summary of the borrowing is in this table here: Loan Approved Amount Monthly R... (3 pages)View decision -
Decision Reference DRN-2951327
3 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2951327 The complaint Mr W complained that Valour Finance Limited, when it was trading as Savvy.co.uk (‘Savvy’) lent to him irresponsibly. What happened Mr W took out loans with Savvy as follows: loan start date date repaid monthly instalments loan amount highest instalment amount 1 11... (6 pages)View decision -
Decision Reference DRN-4586223
30 Jan 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4586223 The complaint Mr H complains through a representative that Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. What happened Mr H received one loan from Valour on 3 October 2022 for £1,200. Mr ... (4 pages)View decision
