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 55 results
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Decision Reference DRN-6178532
15 Apr 2026 Premium Credit Limited Not upheldConsumer CreditDRN-6178532 The complaint Mrs A complains that Premium Credit Limited (PCL) rejected her claim under section 75 Consumer Credit Act 1974 (s.75) in respect of a training course she believes was misrepresented. Mrs A has been represented by her partner in more recent exchanges, but as she... (3 pages)View decision -
Decision Reference DRN-6229482
10 Apr 2026 Premium Credit Limited Not upheldConsumer CreditDRN-6229482 The complaint Miss M complains about a service which Premium Credit Limited (‘PC’) financed for her. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with mini... (4 pages)View decision -
Decision Reference DRN-6195173
31 Mar 2026 Premium Credit Limited UpheldConsumer CreditDRN-6195173 The complaint Mr H is unhappy with how Premium Credit Limited (‘PCL’) administered a running account credit agreement. What happened In April 2024 Mr H entered into a running account credit agreement with PCL to fund the cost of an insurance policy. A year later the agreeme... (3 pages)View decision -
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
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