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 DRN1922601
18 Mar 2016 Premium Credit Limited Not upheldBanking and creditMr W has complained about a finance agreement with Premium Credit Limited.backgroundA finance agreement was entered into with Premium Credit, but Mr W has explained that it was done without his authorisation. The agreement has now been rescinded.Our adjudicator did... (1 page)View decision -
Decision Reference DRN8907206
18 Mar 2016 Premium Credit Limited Not upheldBanking and creditMr G complains that Premium Credit Limited (PCL) set up a direct debit without his authority. He says PCL has not accepted responsibility for its error and has issued default notices. He also complains that his complaint has been poorly handled. M G wants compensatio... (2 pages)View decision -
Decision Reference DRN5799713
9 Feb 2016 Premium Credit Limited UpheldBanking and creditMr G complains that Premium Credit Limited provided him with poor service and the compensation it paid him did not cover his costs.backgroundMr G wanted to enter into a credit agreement with Premium Credit. He says that he returned his agreement but then later realised ... (2 pages)View decision -
Decision Reference DRN4201606
4 Jan 2016 Premium Credit Limited Not upheldBanking and creditMr R complains that Premium Credit Limited (PCL) sent threatening correspondence to him in error. He wants PCL to acknowledge its error, to apologise, and to pay him compensation for the stress and inconvenience it caused.backgroundMr R had a credit agreement with PC... (2 pages)View decision -
Decision Reference DRN5103400
15 Dec 2015 Premium Credit Limited Not upheldBanking and creditMr B complains that Premium Credit Limited unlawfully demanded payment after he cancelled his insurance policy. backgroundMr B was paying his insurance premium with the benefit of a loan from Premium Credit. He cancelled the policy and his direct debit mandate when he so... (1 page)View decision -
Decision Reference DRN5421333
10 Nov 2015 Premium Credit Limited Not upheldInsurance (excluding PPI)Miss B’s unhappy that Premium Credit Limited (‘Premium Credit’) sent her a credit agreement that didn’t include details of the dates or amounts of payments. She wants a declaration that the credit agreement was unlawful.backgroundMiss B chose to pay monthly for her prem... (2 pages)View decision -
Decision Reference DRN6490636
16 Oct 2015 Premium Credit Limited Not upheldBanking and creditMr O complains that Premium Credit Limited (PCL) wrongly cancelled his agreement. backgroundMr O took out a credit agreement with PCL to pay for his car insurance. On 6 December 2014 he asked PCL to move his payment date from the 8 to the 17 of the month. PCL said... (2 pages)View decision -
Decision Reference DRN3503465
18 Mar 2015 Premium Credit Limited Not upheldBanking and creditMiss D complains that Premium Credit Limited did not take the payments out of her account at the right time in respect of a credit facility she had with it to pay her insurance premiums. She says that this caused her to incur charges and led to the insurer cancelli... (2 pages)View decision -
Decision Reference DRN2561868
24 Jun 2014 Premium Credit Limited Not upheldBanking and creditMr T entered into a credit agreement with Premium Credit Limited (PCL), to fund the payment of an annual insurance premium. He complains that PCL incorrectly charged him a fee for the late return of his signed credit agreement.The premium initially advised by the insurer was incorrect. ... (2 pages)View decision -
Decision Reference DRN0585793
9 Jan 2014 Premium Credit Limited Not upheldBanking and creditMr B complains that Premium Credit Limited (PCL), through which he paid his motor insurance, had not acted on his instructions about payment of that. It had then wrongly cancelled his credit agreement, causing his insurance to be cancelled.background Mr B was paying PCL monthly by direc... (2 pages)View decision