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 52 results
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Decision Reference DRN-6015517
16 Jan 2026 Premium Credit Limited Not upheldConsumer CreditDRN-6015517 The complaint Miss O is unhappy with what Premium Credit Limited (‘PCL’) did when she asked to defer a payment under a running account credit agreement used to fund a home insurance policy. What happened Around January 2025 Miss O entered into a running account credit agree... (3 pages)View decision -
Decision Reference DRN-5915569
5 Dec 2025 Premium Credit Limited Not upheldConsumer CreditDRN-5915569 The complaint Miss W complains about a claim she made to Premium Credit Limited (PCL) under Section 75 of the Consumer Credit Act 1974 (Section 75). What happened Miss W took out a training course with a provider who I’ll call L. The course cost £2,305.47. Including an addit... (4 pages)View decision -
Decision Reference DRN-5512304
6 Nov 2025 Premium Credit Limited Not upheldConsumer CreditDRN-5512304 The complaint Mr R complains that Premium Credit Limited didn’t carry out affordability checks in relation to a credit agreement for a course. Mr R also complains that he didn’t know he was entering into a credit agreement and is unhappy he is being held liable for fees for ... (4 pages)View decision -
Decision Reference DRN-5273867
23 May 2025 Premium Credit Limited Not upheldConsumer CreditDRN-5273867 The complaint Mrs I complains about the outcome of a claim she made to Premium Credit Limited regarding a course. What happened In February 2023, Mrs I signed up to a course provided by a company I’ll call ‘L’ and financed the cost of this using a running account credit agre... (3 pages)View decision -
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
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