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 DRN8179168
28 Apr 2020 Premium Credit Limited Not upheldBanking and creditComplaintMr C complains that Premium Credit Limited charged him a late payment fee of £27.50 when the amount should have been £20 as per the terms and conditions.backgroundMr C took out an insurance policy with a company I’ll refer to as P. His insurance premiums were financed by Premium C... (3 pages)View decision -
Decision Reference DRN2867801
27 Apr 2020 Premium Credit Limited UpheldBanking and creditMr O complains that Premium Credit Limited has dealt with his direct debit instructions incorrectly.backgroundMr O electronically signed a credit agreement with Premium Credit in January 2019 to pay for an insurance policy. A direct debit was set up for his bank to make the monthly payment... (3 pages)View decision -
Decision Reference DRN4919628
3 Apr 2020 Premium Credit Limited UpheldInsurance (excluding PPI)Mr K complains that Premium Credit Limited (PCL) wrongly added an insurance premium payment to his credit agreement. My references to PCL include its agents.backgroundMr K had an insurance policy through a broker. PCL provided the credit for the item Mr K insured. Some payments were added ... (2 pages)View decision -
Decision Reference DRN3227705
23 Mar 2020 Premium Credit Limited Not upheldInsurance (excluding PPI)Mr W’s complained that Premium Credit Limited refused to pay his loss of earnings after it made a mistake that led to him being stopped by the police for driving without insurance and his vehicle being impounded.backgroundMr W complained to us after Premium Credit’s mistake led to him bein... (2 pages)View decision -
Decision Reference DRN9253111
22 Oct 2019 Premium Credit Limited UpheldInsurance (excluding PPI)Mr S complains Premium Credit Limited (PCL) failed to set up a direct debit for his car insurance on time. This resulted in increased monthly premiums, Mr S felt he then had to cancel the policy, and he’s now being asked to pay a one-off amount for the period he had on cover which he feels... (3 pages)View decision -
Decision Reference DRN4755990
5 Aug 2019 Premium Credit Limited Not upheldBanking and creditMr B complains that Premium Credit Limited has registered a default on his credit file when he had already cancelled his policy.backgroundMr B says he cancelled his insurance policy and the direct debit that was in place. But Premium Credit registered a default on his credit file for a lat... (2 pages)View decision -
Decision Reference DRN3721244
29 Jul 2019 Premium Credit Limited Not upheldBanking and creditMr P complains that Premium Credit Limited (PCL) has undertaken searches of his credit file, for which he had not given his consent.backgroundMr P initially complained to us in November 2018 about one search. He then complained in March 2019, saying that PCL had undertaken two unauthorised... (2 pages)View decision -
Decision Reference DRN9822911
19 Jul 2019 Premium Credit Limited Not upheldBanking and creditMs B is unhappy with the information Premium Credit Limited has provided to credit reference agencies.backgroundMs B renewed her credit agreement with Premium Credit for her car insurance policy on 22 August 2018. The first payment was taken on 3 September 2018. But all subsequent payments... (2 pages)View decision -
Decision Reference DRN4900348
19 Mar 2019 Premium Credit Limited Not upheldBanking and creditMr P complains that his agreement was cancelled even though the information he received from Premium Credit Limited suggested his payments were up to date.backgroundMr P entered into a finance agreement with Premium Credit to make the payments due under his insurance ... (2 pages)View decision -
Decision Reference DRN4116649
17 Jan 2019 Premium Credit Limited Not upheldBanking and creditMr S complains that Premium Credit Limited declined his application for credit at short notice and that it provided him with poor customer service. He’d like compensation for what happened.background I set out the background to this case and my provisional findings in... (5 pages)View decision
