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
-
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 -
Decision Reference DRN-2930323
30 Mar 2022 Premium Credit Limited UpheldConsumer CreditDRN-2930323 The complaint Mr F is unhappy that Premium Credit Limited (PCL) didn’t do more to support him with his repayments on a running account credit agreement, when he got into financial difficulty after the start of the Covid-19 pandemic. What happened Mr F had a private hire motor i... (3 pages)View decision -
Decision Reference DRN-3324737
14 Mar 2022 Premium Credit Limited Not upheldConsumer CreditDRN-3324737 The complaint Mr L feels that Premium Credit Limited has treated him unfairly in relation to credit provided for a holiday home pitch licence agreement. What happened In October 2018 Mr L entered into a Pitch Licence Agreement (the “Contract” for simplicity) for a pitch for his... (5 pages)View decision -
Decision Reference DRN-2907168
27 Sep 2021 Premium Credit Limited Not upheldConsumer CreditDRN-2907168 The complaint Mr R is unhappy that when he applied for credit with Premium Credit Limited (Premium Credit), they left a footprint on his credit file while they carried out a credit file search. What happened Mr R took out an insurance policy with a company I’ll refer to as C. M... (3 pages)View decision -
Decision Reference DRN-2929745
23 Sep 2021 Premium Credit Limited Not upheldConsumer CreditDRN-2929745 The complaint Mr K complains that Premium Credit Limited (PCL) charged him £27.50 when his direct debit was returned unpaid. What happened Mr K has an insurance policy with a company I’ll refer to as C. Mr K financed his insurance premiums through a credit agreement with PCL. I... (2 pages)View decision -
Decision Reference DRN-2864915
9 Jun 2021 Premium Credit Limited UpheldConsumer CreditDRN-2864915 The complaint Mr B has complained that Premium Credit Limited are withholding a refund he is due after they cancelled their agreement. What happened In 2019, Mr B took out a regulated credit agreement with Premium Credit Limited to pay for a football season ticket. Mr B’s first... (3 pages)View decision -
Decision Reference DRN-2747179
5 May 2021 Premium Credit Limited Not upheldConsumer CreditDRN-2747179 The complaint Mr C complains that Premium Credit Limited didn’t try and take a payment out of his account despite telling him it did. Mr C is represented by his sister. What happened Mr C says he had an insurance policy that was funded by an agreement with Premium Credit. There... (3 pages)View decision