Premium Credit complaint?

Do you have a dispute or a bad customer experience with Premium Credit? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

The Premium Credit customer service number in the UK is 0344 736 9820. Existing customers can also manage their agreement in the My Premium Credit online account or with Prima, the Premium Credit virtual assistant, for payments, bank detail changes and questions about amounts and due dates; the contact page, linked in the contact details above, lists the other routes. Have your agreement number, the name of the broker, insurer or club, and the dates and amounts of the Direct Debits ready.

Instalment taken that you did not expect? Start your complaint here as well, and we push it out to Premium Credit by email, social media and printed letters.

A Premium Credit Direct Debit on a UK bank statement is a monthly instalment to Premium Credit Limited, a lender that paid a yearly cost up front for you: most often an insurance premium arranged through a broker, or school fees, a golf membership or a football season ticket. Premium Credit collects the instalments, so its name appears instead of the insurer, school or club. Some brokers add their own name, so the line can read PCL/ followed by the broker, such as PCL/EVERYWHEN INS, or show only the local broker's name.

To trace it, check which policy or membership you chose to pay monthly, look for the Premium Credit welcome pack or credit agreement in your email or post, and match the Direct Debit reference in your banking app to that agreement.

Paying instalments for a policy you thought had ended? We set your case beside other customers reporting the same Premium Credit payments, so the pattern is harder to overlook.

To end a Premium Credit agreement, contact Premium Credit on 0344 736 9820 or through the My Premium Credit account, ask how the agreement is settled, and ask for the settlement figure in writing. Tell the broker, insurer or club separately whether you also want to cancel the cover or membership, because the credit agreement and the policy are two different contracts. Cancelling only the Direct Debit at your bank stops the collections but not the agreement: the money borrowed is still owed, and missed instalments can put the cover it pays for at risk.

Keep the agreement number, the policy number, the cancellation confirmation from the broker and every letter about the balance.

Charged after the policy was cancelled? Open a case with us: our trained AI keeps coaching you on what to send Premium Credit and the broker, and when to push again.

Yes: in the UK, the Financial Ombudsman Service covers businesses that provide consumer credit, such as a credit agreement used to pay an insurance premium by monthly instalments, and Premium Credit is one of them. The service generally expects Premium Credit to have had the chance to put things right first, so keep a record of every call, letter and email.

Agreement or charge to dispute? We help you write the complaint in minutes through our complaint process, with the agreement number and the payment dates set out in order.

Nothing has been reported about Premium Credit here yet. Our research shows what typically goes wrong at premium finance lenders: Direct Debits that borrowers do not recognise, instalments that continue after a policy or membership was cancelled, charges and arrears letters after a missed payment, cover put at risk by a returned instalment, and confusion over whether the lender, the broker or the insurer has to sort out a problem.

Found a PCL/ Direct Debit you cannot match to any policy? Be the first to report it: your case opens the record for the next borrower who finds Premium Credit on a statement.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Premium Credit through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Premium Credit can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.