Allegiant Finance Services Limited

Allegiant Finance Services: financial claims from Warrington

Allegiant Finance Services Limited is a claims management company (CMC) based in Warrington, England, authorised and regulated by the Financial Conduct Authority (FCA) under reference number 836810. The firm presents itself as the first in the UK set up specifically to pursue payday loan claims, an activity it began in 2013. Since then it has handled over 100,000 claims and, according to its data, has recovered more than £106 million for its customers: £85 million in cash and £21 million in cancelled outstanding debts.

Claim areas

The company structures its activity into four main areas: unaffordable or irresponsible lending, car finance commission, vehicle write-offs and scams or fraud. In all of them it works with no upfront cost and only applies a fee if the claim succeeds, with percentages ranging from 18% to 36%, including VAT, depending on the amount recovered.

Unaffordable credit

Allegiant handles claims for loans granted without properly verifying the applicant's ability to repay. It covers products such as payday loans, credit cards, catalogue credit, car finance, doorstep loans, guarantor loans, overdrafts and secured loans, including second mortgages. The aim is to recover interest and charges where the lender failed to properly assess the customer's income or ignored their existing debts.

Car finance commission

The firm pursues two types of claim relating to hidden or unfair commission in vehicle finance. On the one hand, undisclosed commission that dealers or brokers received from the finance company without informing the customer. On the other, discretionary commission arrangements (DCA), in which the dealer could set the customer's interest rate to earn a higher commission. The company states that those who took out car finance through hire purchase (HP) or personal contract purchase (PCP) between 2007 and 2021 may be entitled to claim.

Vehicle write-offs

When an insurer declares a vehicle a write-off and pays the owner less than it was worth, Allegiant challenges the valuation. The company argues, based on its own research, that insurers often make a first offer below the true market value and only raise it if the customer pushes back or complains. According to its data, more than three million cars have been written off in the last six years, a figure that rises every year.

Fraud and scams

The company represents victims of fraud who have lost money and whose banks or payment providers failed to adequately protect their funds or refused a refund. It deals with investment scams, fraudulent online purchases, romance or dating scams, safe account scams and hybrid schemes that combine several types. The claim is directed against the financial institution for failing to act in line with its protection obligations.

Working model and coverage

Allegiant operates from its office at Birchwood Park, in Warrington, and serves customers across the UK. The company combines its own technology with human advisors, keeps data confidential and states that it does not sell its customers' information. The application process is online and allows you to receive an automated decision on the initial viability of the claim. The firm also warns that using a claims management company is optional: consumers can claim directly and for free from their lender, bank or insurer, take their case to the Financial Ombudsman Service at no cost if the firm is still trading, or turn to the Financial Services Compensation Scheme in the case of insolvent firms.

Registration and regulatory details

Allegiant Finance Services Limited is registered in England and Wales with number 07474972, and is registered with the Information Commissioner's Office under reference Z2569335. Its VAT registration number is 274837662. The company operates under FCA authorisation as a claims management company.

Location and contact

400 Chadwick House, Warrington Road, Birchwood Park, Warrington, WA3 6AE · Phone: 0345 544 1563 · Email: helpdesk@allegiant-finance.co.uk