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-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 -
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