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-4109743
11 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4109743 The complaint Mr B complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”), lent to him when he could not afford it. What happened In March 2022 Mr B was approved for one loan of £700 repayable over eight months at just over £168 each month commencing April 202... (3 pages)View decision -
Decision Reference DRN-4243316
14 Jul 2023 Valour Finance Limited UpheldConsumer CreditDRN-4243316 The complaint Mr M complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan without carrying out appropriate affordability checks. Mr M says that had it asked to see his bank statements Valour would’ve discovered that he was spending all his i... (6 pages)View decision -
Decision Reference DRN-2243478
11 Nov 2020 Valour Finance Limited UpheldConsumer CreditDRN-2243478 The complaint Mr A says Valour Finance Limited Ltd – trading as Savvy.co.uk (“Savvy”) - irresponsibly lent to him. What happened This complaint is about one loan Savvy provided to Mr A in April 2019. It was for £2,000 and was repayable over 18 monthly instalments of £222.21. At... (3 pages)View decision -
Decision Reference DRN-4074383
12 Apr 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4074383 The complaint Mr S 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 S took one loan from Valour for £600 on 3 December 2021. Mr S was d... (3 pages)View decision -
Decision Reference DRN-5350433
17 Jul 2025 Valour Finance Limited Not upheldConsumer CreditDRN-5350433 The complaint Mr A complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) lent to him irresponsibly in that it failed to carry out the regulatory checks required before lending. What happened Mr A took one loan with Valour in August 2024. He applied for £1,... (3 pages)View decision -
Decision Reference DRN-5986743
4 Feb 2026 Valour Finance Limited Not upheldConsumer CreditDRN-5986743 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan that was unaffordable. Had further checks been made Valour would’ve seen the high levels of debt he had and he was using his overdraft. What happened Mr B was prov... (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-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 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 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