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-3158376
10 Mar 2022 Valour Finance Limited UpheldConsumer CreditDRN-3158376 The complaint Mr T complains that Valour Finance Limited, trading as Savvy.co.uk (Savvy), lent to him irresponsibly. He says they should have done better checks before lending as he was taking loans out to repay other loans. What happened Using information from Savvy, here is a... (7 pages)View decision -
Decision Reference DRN-2254491
12 Nov 2020 Valour Finance Limited UpheldConsumer CreditDRN-2254491 The complaint Mr T complains that Valour Finance Limited trading as Savvy.co.uk lent to him irresponsibly. What happened Savvy approved a loan for Mr T which was a 15 month instalment loan of £1,000.00. This was approved on 17th August 2017 and payable in 15 instalments of £133... (4 pages)View decision -
Decision Reference DRN-3179038
7 Dec 2021 Valour Finance Limited UpheldConsumer CreditDRN-3179038 The complaint Ms D says Valour Finance Limited trading as Savvy.co.uk (Savvy) lent to her irresponsibly. She says that she struggled to repay the lending due to her financial situation being poor at the time. She thinks that Savvy should have spotted this and not lent to her. W... (4 pages)View decision -
Decision Reference DRN-2814561
21 May 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2814561 The complaint Mr B complained that Valour Finance Limited trading as Savvy.co.uk (‘Savvy’) lent to him irresponsibly. What happened Mr B took out a loan with Savvy as follows: loan start date date repaid monthly instalments loan amount instalment amount 1 12/11/2020 Not paid 12... (5 pages)View decision -
Decision Reference DRN-5140541
5 Dec 2024 Valour Finance Limited Not upheldConsumer CreditDRN-5140541 The complaint Mr A complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with loans he couldn’t afford to repay. What happened A summary of Mr A’s borrowing can be found in the table below. loan number loan amount agreement date repayment date num... (5 pages)View decision -
Decision Reference DRN-2955901
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2955901 The complaint Miss G says Valour Finance Limited trading as Savvy.co.uk (“Savvy”) irresponsibly lent to her. What happened Savvy provided the following loan to Miss G: Date Taken Date Repaid Monthly instalments Amount Monthly repayment 29/06/2017 Outstanding 18 £1,750.0 0 £194.... (5 pages)View decision -
Decision Reference DRN-3664661
12 Sep 2022 Valour Finance Limited Not upheldConsumer CreditDRN-3664661 The complaint Mr C complained about several aspects relating to the lending by Valour Finance Limited trading as Savvy.co.uk. He complains that it lent to him irresponsibly. Mr C also complains that Savvy wrongly accused him of credit fraud. And Mr C complains that Savvy mis-ma... (6 pages)View decision -
Decision Reference DRN-4233036
1 Sep 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4233036 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 also says he is unhappy a default has been recorded with the credit reference agencies. What happened Mr M ... (6 pages)View decision -
Decision Reference DRN-2893329
24 Jun 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2893329 The complaint Mr M complained that Valour Finance Limited, when it was trading as Savvy.co.uk (‘Savvy’) lent to him irresponsibly. What happened Mr M took out a loan with Savvy as follows: loan start date paid or not paid monthly instalments loan amount instalment amount 1 27 J... (7 pages)View decision
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