What are your charges?

If you miss a payment, fail to return your signed Credit Agreement in a timely manner, or wish to change your monthly payment date, we will charge you for this.

Our charges are set out in Schedule B of the Credit Agreement; a summary is provided below:




Default Charge


This covers the additional costs we incur when you miss a payment such as reapplication of the Direct Debit.

If you are having trouble making your monthly payments, please let us know.

You may also want to speak to an independent organisation for free and impartial advice:

Step Change: www.stepchange.org

Citizens Advice: www.citizensadvice.org.uk

Credit Agreement Reminder Charge


To avoid this charge, please return your signed Credit Agreement within 27 days of our welcome letter.

You can sign online at: https://digital.premiumcredit.com/

For help with signing, see How do I sign my Credit Agreement?

Change Monthly Payment Date Charge


We charge you for changing your monthly payment date. This covers the additional cost for amending a payment date.

This will be collected alongside your next monthly Direct Debit.


Still have a question?

  • Due to the Coronavirus (COVID-19) pandemic we are experiencing exceptionally high call volumes into our call centre.  We are doing our very best to answer calls as quickly as possible and as you to bear with us whilst we do so.  Alternatively, you can contact us online by completing our contact form.  We will respond as soon as we can and thank you for your patience.


Please note:

We are only able to discuss information pertaining to your credit agreement.  For any queries relating directly to your insurance policy or other service, please contact your service provider directly. 


Helpful Information: