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 48 results
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Decision Reference DRN-4398714
27 Sep 2024 Premium Credit Limited Not upheldConsumer CreditDRN-4398714 The complaint Mr F’s complaint is that Premium Credit Limited didn’t tell him about a missed payment, which resulted in his GAP insurance policy being cancelled. What happened In March 2021 Mr F decided to buy GAP insurance for a car he was purchasing. He said this was set u... (3 pages)View decision -
Decision Reference DRN-4884536
2 Jul 2024 Premium Credit Limited Not upheldConsumer CreditDRN-4884536 The complaint Mr K complains that Premium Credit Limited (PCL) opened a credit agreement without his authorisation and are incorrectly reporting missed payments to his credit file. What happened In February 2022 PCL received instruction to set up a credit agreement to fund Mr K... (3 pages)View decision -
Decision Reference DRN-4797050
12 Jun 2024 Premium Credit Limited Not upheldConsumer CreditDRN-4797050 The complaint Mr L is unhappy that Premium Credit Limited (PCL) reported adverse information to his credit file. What happened In April 2023, Mr L entered into a credit agreement with PCL. Mr L setup a direct debit to pay the monthly payments towards the outstanding balance on ... (3 pages)View decision -
Decision Reference DRN-4589120
31 May 2024 Premium Credit Limited Not upheldConsumer CreditDRN-4589120 The complaint Mr G complains that a credit agreement set up by Premium Credit Limited (“Premium Credit”) was set up in his name without his knowledge or authorisation when it should have been set up for his daughter. What happened An insurance company who we will call Company A... (3 pages)View decision -
Decision Reference DRN-4517463
15 Feb 2024 Premium Credit Limited Not upheldInsuranceDRN-4517463 The complaint Mr A has complained that Premium Credit Limited collected a premium under a credit agreement after he had paid the balance for a commercial vehicle insurance policy in full. He’s unhappy that Premium Credit have asked him to refund the payment as it received an in... (2 pages)View decision -
Decision Reference DRN-4557214
17 Jan 2024 Premium Credit Limited UpheldConsumer CreditDRN-4557214 The complaint Mrs B has complained about a course she paid for using a running account credit agreement with Premium Credit Limited (PCL). What happened The circumstances of the complaint are well known so I won’t go over everything again in detail. But in summary, Mrs B entere... (5 pages)View decision -
Decision Reference DRN-4463288
24 Nov 2023 Premium Credit Limited UpheldConsumer CreditDRN-4463288 The complaint R complains that Premium Credit Limited, who I’ll call Premium Credit, took two payments towards his running credit agreement in the same month when they merely wanted to change the payment date. What happened I issued my provisional decision on this complaint in ... (2 pages)View decision -
Decision Reference DRN-3941548
23 Jun 2023 Premium Credit Limited Not upheldConsumer CreditDRN-3941548 The complaint Mrs H complains that Premium Credit Limited carried out a hard credit search without her permission. What happened In November 2022 Mrs H was using a third party’s website to pay her annual fee for her caravan site. She was going to pay for it in ten monthly insta... (3 pages)View decision -
Decision Reference DRN-3439011
19 Aug 2022 Premium Credit Limited Not upheldConsumer CreditDRN-3439011 The complaint Miss L complains that Premium Credit Limited (“Premium Credit”) failed to take the correct payment towards her account balance. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giv... (1 page)View decision -
Decision Reference DRN-3402250
26 May 2022 Premium Credit Limited Not upheldConsumer CreditDRN-3402250 The complaint Mr E has complained about Premium Credit Limited, the finance provider for a student’s insurance policy which he had initially arranged whilst attending university. What happened Mr E was at university and arranged a student’s insurance policy. He wanted to pay mo... (2 pages)View decision
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