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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

Opus cards are designed for those who struggle to get accepted for a credit card. This might be those new to the UK, those on a low income, or people with a history of adverse credit. With a representative 39.9% APR (variable), these credit cards are expensive to use.

Opus is one of many trading names of NewDay Ltd – which is authorised to lend by the Financial Conduct Authority.

Experience suggests that Opus will write to customers to explain that it is about to increase their credit limit, and then gives the customer the option to ‘opt out’ of the increase. But regardless of whether the customer chooses to opt out of the credit limit increase or not, Opus needs to carry out proportionate checks to ensure the limit increase is responsible. We’ve seen examples where the checks Opus carries out are not sufficient, such as in the below case example:

So, while I can appreciate that the standard checks that NewDay undertook at the time of the October 2015 credit limit increase might have provided NewDay with the impression that the credit limit being offered to Ms C would have been affordable for her, I feel that the severity of Ms C’s recent personal and financial struggles, and the size of the new credit limit amount being offered to Ms C, should have given NewDay cause to undertake more robust, borrower focussed checks into Ms C’s financial position – so as to be certain that they had a correct understanding of Ms C’s financial position at that time.’ (

Examples of more robust checks, lenders like Opus should carry out, could include reviewing the customer’s bank statements – to ensure the customer is not in financial difficulty before granting a credit limit increase.

As Opus is one of many brands owned by the company NewDay, this is also puts a responsibility on NewDay to consider the activity on one of its other branded cards, before making a lending decision for a credit card, which is a part of the same company. An example of this is outlined below – where NewDay have upheld the claim about the Opus card because of what NewDay knew had happened previously to a different branded card of theirs (Aqua):

Opus card: At the point when Mrs B took this card out in 2018 the debt on her Aqua card had already been sold to debt collectors by NewDay. I’m glad to see that NewDay has acknowledged that it shouldn’t have allowed Mrs B to take out this card.’ (

Allegiant can, of course, assist with multiple claims against different brands and credit cards – to try and get as many positive results for you as we can.

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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

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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.