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-4196129
28 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4196129 The complaint Miss S, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk, lent to her irresponsibly. What happened Valour has no records due to the passage of time as the loan was approved in 2015 and the complaint was made in 2022. One of... (3 pages)View decision -
Decision Reference DRN-5963296
28 Nov 2025 Valour Finance Limited Not upheldConsumer CreditDRN-5963296 The complaint Miss B complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans which were unaffordable. What happened A summary of Miss B’s borrowing can be found below. loan number loan amount loan date repayment date number of monthly payment... (4 pages)View decision -
Decision Reference DRN-2965503
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2965503 The complaint Ms R has complained that Valour Finance Limited trading as Savvy.co.uk (Savvy) didn’t carry out affordability checks. If it had done so, it would’ve seen she had a number of loans outstanding and a low credit score. What happened Ms R took two loans from Savvy bet... (4 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN-4381774
5 Oct 2023 Valour Finance Limited UpheldConsumer CreditDRN-4381774 The complaint Mrs B complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out the correct affordability checks. Mrs B says had it carried out better checks, Valour would’ve seen multiple late payments and evidence that she was c... (8 pages)View decision -
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-6047179
4 Feb 2026 Valour Finance Limited Not upheldConsumer CreditDRN-6047179 The complaint Miss K complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out sufficient affordability checks. Had better checks been made Valour would’ve realised she was already in financial difficulties. What happened A ... (4 pages)View decision -
Decision Reference DRN-5320964
20 Jun 2025 Valour Finance Limited Not upheldConsumer CreditDRN-5320964 The complaint Mr W complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided him with a loan that was unaffordable. What happened A summary of Mr W’s borrowing can be found in the table below. loan number loan amount agreement date repayment date number o... (4 pages)View decision