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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

Reclaim your financial stability – hold J D Williams accountable with Allegiant Finance’s help. No more irresponsibly provided catalogue accounts.

The Financial Ombudsman Service (FOS) has upheld complaints against J D Williams for unaffordable or irresponsible lending in relation to catalogue credit accounts. Here are some examples:

  1. Case DRN-3274795 : Miss G complained that J D Williams irresponsibly provided her with an unaffordable catalogue shopping account. The FOS found that J D Williams failed to conduct proportionate checks to ensure that Miss G could sustainably afford the repayments. However, the FOS did not consider that Miss G lost out due to J D Williams’ actions in relation to her account [1].
  2. Case DRN-3259600 : Ms M complained that the credit had been unaffordable to her and J D Williams would have seen this if they had completed reasonable affordability checks. The FOS found that J D Williams acted unfairly in providing the initial credit limit and subsequent increases up to £350. The FOS also found that increasing the limit to £500 and beyond would have likely been unaffordable and unsustainable for Ms M [2].

The recurring themes in these decisions include:

  1. Inadequate Affordability Checks : The FOS has found that J D Williams did not complete reasonable and proportionate checks to satisfy itself that customers would be able to repay their catalogue credit accounts in a sustainable way [1][2].
  2. Unfair Lending : The FOS has upheld complaints where it was determined that J D Williams provided catalogue credit accounts to customers unfairly, providing credit that the customers were not in a position to afford [1][2].

These examples demonstrate that the FOS takes the issue of irresponsible lending seriously and will uphold complaints against catalogue credit account providers like J D Williams when they fail to lend responsibly and affordably.

 

Citations:

[1] https://www.financial-ombudsman.org.uk/decision/DRN-3274795.pdf

[2] https://www.financial-ombudsman.org.uk/decision/DRN-3259600.pdf

[3] https://debtcamel.co.uk/affordability-complaints-2-cards-lender/

[4] https://debtcamel.co.uk/refunds-catalogue-credit-card/comment-page-7/

 

 

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Service Highlights

Over £67m recovered for unaffordable lending claims since 2013

Over 49,000 successful unaffordable lending claims since 2013

Online application process

Our fees range from 18% to 36% (including VAT) on successful 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 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.

Cancellation

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.

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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.