I was paying in installments and requested timing of first Direct Debit payment and 4 days later no reply. I then went on line to sign my credit agreement with Premium credit which only involves entering agreement number from mail and DOB - it keeps coming up with error and requests I call them - another lost hour no doubt. Only good thing was I found the installment timing in one of the Premium Credit emails

We bought a static caravan and used this company to pay site fees. They charged us a late fee £27.50 the day we set it up. Said they'd refund it. They didn't. Took £100 too much on DD. Recalculated the fees for the next 9 payments. To take into account the extra payment. Not happy. But they refused to refund the £100. Another payment out my bank today guess what another £100 too much. As far as I'm concerned they are now inbreach of the DD and I'm cancelling it. Avoid this company. They behave dishonestly.

I would like to warn people about Premium Credit. They use the disgusting practice of hiding any contact details to allow people to cancel within the 14 day period which is enshrined in contract law if you have agreed a 'loan' over the telephone or online. This includes spreading insurance payments monthly. In my case, home insurance. They advise you to register, then login, then to go to Customer Agreements in order to cancel. But when you navigate to Customer Agreements, there IS NO OPTION TO CANCEL (grrr!) Their email address [email protected]*.u* (the one they use to send you your agreement) is, astonishingly, not a communication email but a No-Reply email. In fact, you have to jump through hoops to find any way to contact them. There is no phone number on their website. There is no email address on their website. The only email you see is for FEEDBACK on the website, which is to disguise the fact that it is, in fact, the email you WOULD use to cancel any policy you have taken out online or over the phone, when you have the legal right to cancel within two weeks. It really makes me furious.

Had premium credit agreements for years now missed a payment, I realise I was lulled into a false sense that they are a good company, I mistakenly let my balance drop too low on 27th Aug so missed a payment, had a threatening letter from them, solicitors action etc etc if the money isn't there when they try and take the payment on 8th Sept plus a £27.50 charge I have made a mental note to never deal with companies again who use premium credit (and I have used them for at least 10 years never missed a payment) shame on you Premium Credit!

I am currently dealing with Premium Credit as I have my House Insurance with Zurich and this is who they have dealing with it. I had a letter in the post to advise I had defaulted on a payment which is not correct as it is on direct debit and there is no reason at all for this payment to not of been taken. I then thought about this and realised that I had switched bank accounts in February from NatWest to Nationwide where they move over all your direct debits over for you. I spoke to Nationwide who advised there was no reason at all for the payment to of not been taken. My direct debit is taken from my account on 8th of every month and my bank switch was completed 27/02/2018. I called Premium credit to resolve this as I should not have to pay this default charge to be spoken to so rudely by a female who basically told me its not her problem and that I should speak to my bank and I would be charged regardless. I got so frustrated I ended the call and after speaking to my bank for the 3rd time I rang Premium Credit back and explained the situation. A gentleman dealt with my call and was extremely sympathetic and waived the fee for me. As much as this was the outcome I wanted I feel that this may happen to may others. I feel like the first lot of customer service I received was disgusting and this staff member should not be in such a role.

£20 late payment charge!!! Scandalous! My insurance policy rolled on automatically through no correspondence whilst I was working away then premium credit tried to take two months payments on the same day, I wasn't planning on using the same home insurance provider and when I returned home it was the 15th day a day earlier and I would of fell into my 14 day cooling off period,, these people do want to budge, Intead of paying the £20 fee I rather pay the £50 cancellation fee. Vultures

Made a huge error in taking out policy with this company. Customer service appalling. Needed help with a matter relating to my policy and was given conflicting advice by different members of their customer services department which resulted in me being given the entirely wrong information and subsequently costing me money. Will definitely not be renewing my policy again and not recommending the company to others. STAY WELL CLEAR.

I have tried to pay the account off after my husband suffered a stroke. They insisted on taking information off him despite me telling them about his disability. Twice cancelled the call on me. No compassion and no will to have customers clear accounts.

Bought learner insurance through Adrian Flux - biggest mistake I've ever made. Rang to cancel policy once my son had passed his test, only to be told that I would be charged over £150 to cancel - a week later received a letter saying that we owed them another £49 - this was a payment for the month of March, even though the policy was cancelled in February. Because I refused to pay this amount, they took it directly from my son's bank account, without his permission. There is no reasoning with either of these companies, they are just out for the money with no customer service featuring in this. I would advise others to stay well away from Adrian Flux and Premium Credit.

I've had multiple policies that use Premium Credit as there finance provider and each time i've used them, i have regretted it. They have a strange policy of charging for their use, separate from the original provider and always have hidden charges they spring on you if they can get away with. Cancellation of the credit agreement comes at a hefty price too and and you need a degree to understand. The customer services are rubbush too, that can only be 2nd to hefty charges for missed payments and a lack of forgiving. The automated dial up is just as bad as everything else Premium credit operate. I hope they lose trade and is boycotted at every juncture.

This company is the worst i have ever had to deal with. If I could give no stars I would as 1 star is being too generous!!! The customer service is horrendous and they really do not care about us! The emails I have had threatening that they will cancel my policy every week since I took the policy out, when they have no right as my policy is not with them. And when I have checked with my insurance company they confirmed my policy is not cancelled! They claim to record their telephone conversations, which if were true, they should really listen to them! They claimed to have left my a voicemail which they have not. They were supposed to call me, and I quote 'within 24 hours' to resolve the issue, they did not and 6 days later I contacted them. They had not done what they were supposed to do and as a result I had to contact my insurance company and kick off telling them that I need it sorting as I am in hospital on Monday for surgery. The insurance company were great and sorted it for me, unlike Premium Credit!! The downside of this is that the insurance company chose to work with them! I left verbal feedback that they need a different company! Surely they should listen to all these terrible experiences people have! Which can be proven by the 'recorded' telephone conversations we have had!! Avoid always!!!!

Disgusting customer service. Call waiting times always between 30 mins to over an hour. Complaints are not dealt with if you email or request a call back.

Premium credit is a nightmare company to deal with!! Had purchased pet insurance through the PDSA which uses premium credit to take payments. They DOUBLED the payments year to year (though may not be premium credit doing this) but when I came to cancel my agreement it was the one of the hardest most frustrating thing to try and do! You ring a number that take you about 10 minutes of pressing different buttons to even get put through to anyone! Then after waiting for 30 mins+ on hold (both times I had to ring them), the people who handle the calls are rude, blunt and have no interest at all to sort your cancellation out. I rang to cancel my agreement, and asked numerous times if I would still be charged at the end of the month- which they assured me I wouldn't. Low and behold a week later (after I also submitted a form online to cancel as I was not confident about the phone call I had) I was charged! I also had an email sent to me at midnight the night before saying I may need to contact my bank to stop a payment going through- WHY?! When I had cancelled over a week earlier! The next morning at 8am I checked my online banking and had be charged. Another 30 min wait on hold to ring them again to see why this had happened and I was met by a woman saying oh I've sorted it now. NO APOLOGY FOR THE INCONVIENICE- no apology for having to wait over an hour to get through and no apology for only recieving and email at midnight the DAY BEFORE they knew they would charge me. Oh and did I mention that I also received an email after I rang the first time saying "thank you for agreeing to your new credit agreement"! The company and its employees are a JOKE!! Go somewhere else I will NEVER go through them again. Their website is also a joke, always coming up with error messages. If you don't want all the stress and hassle- definitely find an alternative.

bought a bmw and they use these people for gap insurance - they debited more money from ym account as didnt sign the foirms and send them back - it takes 4 moinuted on the phone pressing buttins just before u can get through to somone - and to top it off i missed my £29 payment as i was abroad and they sent me a notice of a default!! i didnt enter a credit agreement with them and they had no right to do this as the man on the phone even agreed. trying to demand they can make me pay the rest of the cost of my gap insurance - like all insiurances if you dont pay your not insured there is no agreement like a finance - horrible firm!!