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-2499177
5 Mar 2021 Premium Credit Limited Not upheldConsumer CreditDRN-2499177 The complaint Mrs M complains about the payments that Premium Credit Limited has collected from her account under a credit agreement. What happened I’ve issued two provisional decisions on this complaint to Mrs M and to Premium Credit. In my first provisional decision that was ... (4 pages)View decision -
Decision Reference DRN-2414404
19 Jan 2021 Premium Credit Limited Not upheldConsumer CreditDRN-2414404 The complaint Mr C complains that Premium Credit Limited has unfairly reported missed payments on his credit file. What happened Mr C has a credit agreement in place with Premium Credit Limited (PCL) for an insurance policy. He complains that PCL has reported several missed pay... (4 pages)View decision -
Decision Reference DRN-1917182
31 Oct 2020 Premium Credit Limited Not upheldConsumer CreditDRN-1917182 The complaint Mr M complains that Premium Credit Limited cancelled his finance agreement for his motor insurance policy. He wants it to reinstate it as he can’t afford to pay the annual premium upfront. What happened Mr M renewed his policy and the broker sent him his policy do... (2 pages)View decision -
Decision Reference DRN-2062761
7 Aug 2020 Premium Credit Limited Not upheldConsumer CreditDRN-2062761The complaintMr S is unhappy that Premium Credit Limited wouldn’t adjust the day on which he wasrequired to make monthly repayments under the credit agreement he had in place.What happenedI issued a provisional decision on this complaint at the end of June 2020, part of which is... (5 pages)View decision -
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