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.

0345 544 1563

The Unaffordable Lending Claim Specialists

Many people are still unaware that there are rules in place for businesses in the UK to lend money responsibly. Many of these rules are set out in the Consumer Credit Sourcebook (“CONC”) section of the Financial Conduct Authority’s Handbook.

Even if you knew exactly what you were doing by approaching a lender to borrow money, and you wanted and needed the money, the rules mean that lenders should still be carrying out affordability checks. And if the lender did not do its job properly, you could be entitled to get the interest charges you paid on the borrowing, refunded back to you.

There are many different lenders and products in the UK – ranging from loans to credit cards. Affordability checks should be proportionate and so will vary in how thorough the background checks need to be. The type of affordability checks the lender needed to do will depend on various factors, including the amount of money being borrowed, over what length of time, and whether you were already a known customer of the lender (with a history of previously borrowing with them). Essentially though, the lender should be checking to establish that you can sustainably repay everything you owe over a reasonable period of time or the entire term of the credit agreement. Repaying sustainably means that it should not cause you too much difficulty to pay month after month from your income or savings. And it certainly wouldn’t be right if you had to borrow even more money just to afford the repayments on your existing borrowing.

We find that many lenders do not carry out the affordability checks they should have done. Or, whilst proportionate checks were carried out, the lender chose to overlook information which ought to have meant they declined the lending. For example, this might be because someone was already in severe financial difficulty before the lending decision was even made – so the lender ought to have known that any additional borrowing was simply not going to be sustainable. We’ve also seen examples of lenders repeatedly lending to the same customer time and time again – when the lender ought to have known that a harmful pattern of repeat borrowing – and persistent reliance on credit – had emerged.

In one of many upheld claims of this type, an Ombudsman commented:

In my view, if Payday Express had seen all of this – as I think it would’ve done if it carried out proportionate checks – it would’ve realised Mr S was in no sort of position to be able to make the payments he was being asked to make from his income – he simply didn’t have the disposable income to be able to do so. So I think proportionate checks here would’ve shown Payday Express Mr S wasn’t in any sort of position to repay these loans. This means I think that not only did Payday Express fail to carry out proportionate checks before giving Mr S these loans, but Mr S also lost out because of this.” [1]

In the event of a successful unaffordability claim – like the one outlined above – you would still be expected to repay the lender the principal amount borrowed. But you should get a refund of all interest and charges associated with the borrowing. Your credit file may also be amended to remove any negative information on your credit report – as a result of the unaffordable lending.

Allegiant has been processing these kinds of claims since 2013, and we are happy to answer any questions about starting a new claim.

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Catalogue Loan Claims

Catalogue companies make it easy for customers to purchase from them through credit facilities, but did you know they are under a regulatory obligation to ensure their lending is affordable? If you have ever struggled to repay a catalogue company or feel trapped by an endless cycle of unsustainable repayments you may have a claim.

Catalogue Credit Claims

Car Finance Claims

Car Finance is a way of borrowing money to purchase a vehicle. You will usually own the vehicle if you make all the repayments. But we’ve seen shocking examples of lenders failing to carry out detailed background checks to ensure the finance was sustainably affordable for the customer. When finance is proven to be unaffordable from the outset, you should get your interest and charges refunded.

Car Finance Claims

Guarantor Loan Claims

Many financially distressed UK consumers turned to guarantor loans when high street lenders would no longer lend. Guarantor loan companies accepted these customers as long as a friend or family member agreed to pay off the loan if the borrower did not pay. However, many guarantor loans were not affordable in the first place, and should not have been lent. If you borrowed and struggled to repay (or were a guarantor that had to repay), we could help.

Guarantor Loan Claims

Doorstep Loan Claims (Home Credit Claims)

Doorstep loans have a long tradition in the UK, but many lenders have recently been exposed as lending without undertaking unaffordability checks. If you have taken out repeat door step loans due to necessity, you may have been mis-sold.

Doorstep Loan Claims

Payday Loan Claims

Payday loans (or flexible high cost loans) are designed to meet a borrower’s emergency cash flow needs. However, some payday loan lenders lent repeatedly to UK consumers, when it should have been obvious to them that the customer was in a debt cycle. If this sounds familiar, you could claim compensation.

Payday Loan Claims

High Cost Credit

High cost loans usually have high interest rates, but are due to be paid over a longer period of time – perhaps several years. Because they are due to be repaid over a longer period of time, they fall outside of the Financial Conduct Authority’s definition of ‘high-cost short-term credit’. Nevertheless, they carry many of the same pitfalls as ‘payday’ loans, and are often taken out by customers who struggle to obtain lending from banks and building societies

High Cost Credit Claims

Our Unaffordable Lending Claims Process

We realise that claiming against a high cost loan 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.

  • Step 1

    Pre complaint investigation and analysis

  • Step 2

    Formal mis-selling complaint made

  • Step 3

    Lender responds with a Final Response Letter

  • Step 4

    If appropriate resolution cannot be reached with the lender, referral to Financial Ombudsman Service.

Our Fees

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

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:; (c) by telephone: 0345 544 1563; or (d) online at

Genuine Customer Reviews

The Smart Choice For Unaffordable Lending Claim Representation

A trusted name

Allegiant Finance Services is widely regarded as a pioneer in the high cost loan claims management market.

Friendly and experienced advisors

Contactable by email, phone, or post, whichever you prefer

Confidential & Discreet

We will only correspond with you and keep your details secure. We’ll never sell your data.

True Online Application System

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

Over £67+ million recovered

We are proud to have recovered over £67m for unaffordable lending claims since 2013

Proven Track Record

We’ve been claiming high cost loan refunds since 2013

Claiming for Free Yourself

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.