Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Struggled to repay?
If you’ve ever had difficulty repaying a loan to a lender, it may be because the loan was irresponsibly granted in the first place.
Debt spiral…
Ever heard of ‘Robbing Peter to pay Paul’? Irresponsible lenders often allow customers to continually take out new loans to settle other debts.
More harm than good…
Even if you felt you wanted, needed, and requested the loan, it could still have been irresponsibly lent if it wasn’t sustainably affordable for you.
Online bank loan applications…
If you applied for a loan with your bank online, they still had the same obligation to verify the loan’s affordability, even without a face-to-face meeting in a branch.
Unaffordable car finance…
Have you been in a situation where you’re purchasing a car, and the lender glosses over whether you could actually afford the finance agreement?
Limit increases…
Before increasing your credit limit, did the account provider verify you could afford the increase? Whether you requested the limit increase or not, the lender has rules to follow and must treat you fairly.
Borrowing to gamble…
Responsible lenders do not allow customers to take out loans and credit for gambling or betting. Have you been treated fairly? Could you be due compensation?
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Can you really afford the loan? Don’t let debt become your unwanted tenant! Remember, lenders should ensure affordability.
Unaffordable Loans
Beware of irresponsible lenders offering a too tempting credit increase. You’ve got rights, don’t forget a refund of interest charges is on them.
Credit Limit Increases
Seeking that sleek metal dream on wheels. The hidden nightmare? Unaffordable car loans! Dear lenders, where are your affordability checks?
Car Finance Claims
Money and dice – a gamble with high costs. Say NO to borrowing for gambling. Responsible lenders refuse to fund harmful betting. Has your lender treated you fairly?
Borrowing to Bet and GambleWe realise that claiming against your lender can seem daunting. We aim to make the claiming process as simple as possible. We specialise in affordability claims. Our experienced team will communicate with the lender (and where required, the Ombudsman service) on your behalf. We use bespoke technology to ensure efficient claims handling. Throughout the process, we inform you of claim progress using a “stage process”, so you can track your progress easily. Please remember though, that you do not need to use a claims management company to make your complaint to your lender, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
Pre complaint investigation and analysis
Formal unaffordable lending complaint made
Lender responds with a Final Response Letter
If appropriate resolution cannot be reached with the lender, referral to Financial Ombudsman Service.
Our success fee is due only if your lender makes a compensation payout, and is calculated on the amount of the compensation payout. We do not charge you for any part of a settlement that results in the lender reducing your outstanding balance – that is on the house!
The success fee amount is calculated using a band charging system. There are five charging bands. Each band has a maximum amount that we will charge.
Success Fee Charging Table
| Band | Compensation Payout | Percentage rate the Success Fee is calculated on (including VAT) | Maximum Success Fee in band (including VAT) |
| 1 | £1 to £1,499 | 36% | £504 |
| 2 | £1,500 to £9,999 | 33.60% | £3,000 |
| 3 | £10,000 to £24,999 | 30% | £6,000 |
| 4 | £25,000 to £49,999 | 24% | £,9000 |
| 5 | £50,000 or more | 18% | £12,000 |
Below are examples of how this would work in practice.
| Lower example | Higher example | |||
| Band | Compensation Payout | Success Fee | Compensation Payout | Success Fee |
| 1 | £100 | £36 | £1,499 | £504 |
| 2 | £1,600 | £537.60 | £9,999 | £3,000 |
| 3 | £12,000 | £3,600 | £24,999 | £6,000 |
| 4 | £30,350 | £7,284 | £49,999 | £9,000 |
| 5 | £55,000 | £9,900 | £100,000 | £12,000 |
If you want to see how much we would charge for a specific amount, please visit our online fee calculator at https://allegiant.co.uk/unaffordable-lending-claim-fees.
Please note that the examples in the tables are for illustration purposes only. They are not an estimate of the likely outcome or success fee.
You can cancel for free at any time within 14-days without giving any reason and without incurring any liability. You can communicate your cancellation by telephone, post, email or online.
You can cancel this agreement at any time after the 14-day cancellation period. However, if a complaint submitted by us is successful, the Success Fee will apply in the usual way.
You can cancel by post: Allegiant Finance Services Limited, Freepost RTYU–XUTZ–YKJC, 400 Chadwick House, Warrington Road, Birchwood Park, Warrington, WA3 6AE; (b) by email: helpdesk@allegiant-finance.co.uk; (c) by telephone: 0345 544 1563; or (d) online at https://allegiant.co.uk/compliance/cancellation.
Allegiant Finance Services is widely regarded as a pioneer in the high cost loan claims management market.
Contactable by email, phone, or post, whichever you prefer
We will only correspond with you and keep your details secure. We’ll never sell your data.
Much more than a contact form. With our full online application process you will receive an instant automated decision on whether we can take on your claim
We are proud to have recovered over £67m for unaffordable lending claims since 2013
We’ve been claiming high cost loan refunds since 2013
Good to know: We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.
