Information Density: Allegiant Finance Services Limited – Signal Evidence & AI Readability

[H1] Get Back What's Yours.
Unaffordable Lending Claims
Scam & Fraud Claims
Vehicle Write Off Claims
Car Finance Claims (Commission)
No Upfront Costs
Online Application
No Cash No Fee
Confidential & Discreet
TrustpilotPlease select a claim type for information about our services and charges. Our fees range from 18% to 36% (including VAT) on successful claims.
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Unaffordable Lending Claims
Irresponsible lending is when a lender gives you credit or finance without properly checking whether you can afford to repay it. This can include failing to assess your income, ignoring existing debts, or approving loans despite clear signs of financial difficulty. If you’ve been left struggling to make repayments or fallen into arrears, you may be a victim of irresponsible or unaffordable lending. Allegiant is a true industry leader in unaffordable lending or irresponsible lending claims, reclaiming over £106 million in compensation – £85 million in cash, £21 million in debt deductions, since 2013.
Car Finance Claims
Catalogue Claims
Credit Card Claims
Doorstep Loan Claims
Guarantor Loan Claims
Loan Claims
Payday Loan Claims
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Fraud, Scams And Investments Shams
Scam and fraud claims arise when you’ve been misled or tricked into handing over money or financial information. This could include investment scams, fake websites, online purchase fraud, or being convinced to transfer funds under false pretences. If you’ve lost money through no fault of your own, and your bank or financial provider failed to protect you or recover the funds, you may be eligible to claim compensation. Our Scam and fraud claims, help victims across the UK recover what’s rightfully theirs.
Investment Scams
Purchase Scams
Romance Scams
Safe Account Scams
Hybrid Scams
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Car Finance Commission Claims
Car finance commission claims relate to hidden or unfair commission agreements between lenders and car dealers or brokers. If you took out car finance—like HP or PCP—without being told about the commission or how it affected your interest rate, you may have been mis-sold. This lack of transparency often led to consumers paying more than they should have. If you had a car on PCP or HP between 2007 – 2021 you could be eligible.
Discretionary Commission Arrangement Claims (DCA Claims)
Non-Discretionary Commission Claims
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Car Write-off Claims
If you had a vehicle written off and feel like it was undervalued by the insurer, you could be eligible to start a write-off claim. Over 3 million cars have been written off in the last 6 years and the yearly average continues to rise. Our investigations show that insurers often provide initial settlement offers that are below the vehicle’s market value, with the expectation that they will only increase the offer if the customer objects or files a complaint. This method results in unequal outcomes for customers, depending heavily on their willingness to dispute the initial assessment.
Car Write-off Claims
A Car Written Off Every Minute
Time Limits for Starting a Vehicle Write-Off Claim
[H2] The Claims Management Company You Can Trust.
[H3] A Trusted Name
A Trusted Name. We’ve processed over 100,000 claims since 2013.
[H3] Friendly & Experienced Advisors
Whilst we are powered by cutting edge technology, it’s the human touch that makes our service stand out.
[H3] Confidential & Discreet
We will only correspond with you and keep your details secure. We’ll never sell your data.
[H3] Proven Track Record
We’ve successfully won thousands of claims for UK consumers.
[H3] Online Application
Genuine online application process – not just a contact form! Receive an automated decision on whether we can take on your claim
[H3] £108 million in compensation - £87 million in cash, £21 million in debt deductions, since 2013
Successfully recovered across unaffordable lending, Scam & Fraud, Car Finance Commission and vehicle write-off claims since 2013

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[H1] Unaffordable Lending Claims | Irresponsible Lending Claims
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HomeUnaffordable Lending Claims | Irresponsible Lending Claims
[H1] Unaffordable Lending Claims | Irresponsible Lending Claims Specialists
[H3] With Allegiant by your side, you can reclaim interest and charges on loans and credit that should not have been granted to you. Allegiant is the UK’s longest standing, and original, irresponsible lending claim specialist. We’ve been around the block.
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? See what makes an eligible Unaffordable Car Finance claim.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 should not allow customers to take out loans and credit for gambling or betting. Have you been treated fairly? Could you be due compensation?
[H4] We will always ask your permission before accessing your bank statements or credit report, to assess your claim for evidence of unaffordable lending.
Bank Statements and Credit Reports show the full picture to supports your unaffordable lending claim
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Apply Now
[H3] Justice For Debt Trapped Customers Who Suffer In Silence
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£108 million in compensation - £87 million in cash, £21 million in debt deductions, across all claim types since 2013
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Over £21m In debt reductions for our customers
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Over 49,000 successful unaffordable lending claims since 2013
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Online application process
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Our fees range from 18% to 36% (including VAT) on successful claims
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Click Here to Start an Irresponsible lending Claim
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Unaffordable Loans
Can you really afford the loan? Don’t let debt become your unwanted tenant! Remember, lenders should ensure affordability.
Unaffordable Loans
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Credit Limit Increases
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
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Unaffordable Car Finance
Seeking that sleek metal dream on wheels. The hidden nightmare? Unaffordable car loans! Dear lenders, where are your affordability checks?
Car Finance Claims
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Borrowing to Bet and Gamble
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 Gamble
[H2] Our Unaffordable Lending Claims Process
We 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.
[H3] Step 1
Pre complaint investigation and analysis
[H3] Step 2
Formal unaffordable lending complaint made
[H3] Step 3
Lender responds with a Final Response Letter
[H3] Step 4
If appropriate resolution cannot be reached with the lender, referral to Financial Ombudsman Service.
[H2] Our Fees
Our success fee is due only if your bank makes a compensation payout, and is calculated on the amount of the compensation payoutThe 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 TableBandCompensation PayoutPercentage rate the Success Fee is calculated on  (including VAT)Maximum Success Fee in band (including VAT)1£1 to £1,49936%£5042£1,500 to £9,99933.60%£3,0003£10,000 to £24,99930%£6,0004£25,000 to £49,99924%£,90005£50,000 or more18%£12,000Below are examples of how this would work in practice.BandComp Payout (Lower)Success Fee (Lower)Comp Payout (Higher)Success Fee (Higher)1£100£36£1,499£5042£1,600£537.60£9,999£3,0003£12,000£3,600£24,999£6,0004£30,350£7,284£49,999£9,0005£55,000£9,900£100,000£12,000If 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.
[H4] 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.
[H2] Genuine Customer Reviews
Trustpilot
[H2] The Smart Choice For Unaffordable Lending Claim Representation
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[H3] A trusted name
Allegiant Finance Services is widely regarded as a pioneer in the high cost loan claims management market.
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[H3] Friendly and experienced advisors
Contactable by email, phone, or post, whichever you prefer
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[H3] Confidential & Discreet
We will only correspond with you and keep your details secure. We’ll never sell your data.
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[H3] 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
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[H3] £108 million in compensation - £87 million in cash, £21 million in debt deductions, since 2013
Successfully recovered across unaffordable lending, Scam & Fraud, Car Finance Commission and vehicle write-off claims since 2013
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[H3] Proven Track Record
We’ve been claiming high cost loan refunds since 2013

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[H1] Car Finance Commission Claims
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HomeCar Finance Commission Claims
[H1] Car Finance Redress | Genuine No Win, No Fee*
[H2] FCA Update – March 2026: Redress Scheme Confirmed
The FCA published final rules for its motor finance redress scheme on 30 March 2026 (PS26/3). The scheme covers an estimated 12.1 million regulated motor finance agreements taken out between 6 April 2007 and 1 November 2024, with average compensation of around £830 per eligible agreement. You can find out more about the scheme by reading our blog here. Alternatively, you can read the full FCA policy statement directly on their website.If you had a PCP, hire purchase, or conditional sale agreement and were not properly told about the commission your dealer received, you may be eligible for compensation under the scheme. Complaining now means you are on the fastest track – your lender must tell you within 3 months of the implementation period ending whether you are owed money.We are a claims management company specialising in car finance claims with proven success in unaffordable lending cases. You do not need to use a claims management company to access the scheme – it is free to use directly. However, if your case is complex or you would prefer support, we can help. *We only charge a fee if you receive a compensation payment. Our fees range from 18% to 36% (including VAT). If your claim is unsuccessful, there is no charge.Note: The scheme covers regulated credit agreements only. Consumer hire and leasing agreements (where you rent a vehicle and return it with no option to buy) are not covered by the scheme.Key Facts:Around 61% of motor finance agreements between April 2007 and January 2021 involved a discretionary commission arrangement (DCA).¹The FCA estimates that around 14 million motor finance agreements taken out between 6 April 2007 and 1 November 2024 could be covered by its proposed compensation scheme for unfair motor loans.²The FCA expects the total cost of any motor finance compensation scheme to be at least around £9 billion, with some external estimates suggesting it could be as high as £18 billion.³
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FREE ALTERNATIVE: You don’t need to use a claims company — you can complain to your lender and then the Financial Ombudsman Service for free.
Apply Now
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[H2] The Car Finance Compensation Scheme: Understanding Your Rights to Redress
The car finance industry faces major reform following FCA investigations³ and the Supreme Court’s Johnson ruling⁴ which found that undisclosed commissions can create unfair relationships under s140A of the Consumer Credit Act, particularly when combined with other factors.The FCA estimates potential redress between £9bn – £18bn³, leading to plans for an industry-wide compensation scheme to ensure fair outcomes for affected consumers.Any redress depends on your individual circumstances and a proper investigation.Apply Now You can also complain directly to your lender for free
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[H2] Types of Car Finance Claims: Understanding Your Rights
Your car finance claim may be based on two main types of commission arrangements:Discretionary Commission Arrangements (DCA) ClaimsBanned by the FCA on 28 January 2021⁵Under DCAs, car dealers could adjust your interest rate to increase their commission payments. The higher your rate, the more they earned, resulting in customers paying excessive charges unfairly.The FCA estimates around 61% of car finance deals between April 2007 and January 2021 had such arrangements before they were banned.¹ If your agreement was before January 28, 2021, you may have grounds for a DCA-related claim.Non-Discretionary Commission ClaimsEven fixed commissions or flat fees can create unfair relationships when:The commission was substantial compared to the total charge for credit (in Johnson, it was ~55%)⁴Dealer-lender commercial ties weren’t disclosedThe nature and amount of commission wasn’t clearly disclosedYour circumstances made the arrangement unfairThe Supreme Court’s Johnson ruling (1 August 2025)⁴ established that multiple factors, including undisclosed commissions, can create unfair relationships requiring redress.
[H3] Finance Lenders You May Be Able to Make a Claim Against
Black Horse FinanceBlue Motor Finance LtdBMW Financial Services (GB) LtdCA Auto Finance UK LtdClose Brothers LtdClydesdale Financial Services LtdFCE Bank PLCMotoNovo (FirstRand Bank Ltd)Hyundai Capital UK LtdMercedes-Benz Financial Services UK LtdMoneybarn No. 1 LtdNorthridge FinancePSA Finance UK LtdRCI Financial Services LtdSantander Consumer (UK) PLCStartline Motor Finance LtdToyota Financial Services (UK) PLCVauxhall Finance PLCVolkswagen Financial Services (UK) LtdWho Can Make Car Finance Claims for Redress?You may be entitled to redress if:Your agreement was after April 2007You used PCP, HP or personal loan financeYour finance included large commissions which were not explained to youYour lender did not clearly explain key costs, commissions or commercial relationships to youYou were misled or not properly informed about your optionsKey information was hidden in small printImportant: You can claim for multiple vehicles. Each agreement is assessed separately. Claims are possible even if the finance is paid off, still active, or was voluntarily terminated.Apply Now Free alternative also available via Financial Ombudsman Service
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[H2] How Much Car Finance Redress Could You Receive?
Realistic Expectations:Compensation depends on your individual circumstances and proper investigationIf you had multiple agreements, each is assessed separatelyThe FCA is consulting on a potential redress scheme but encourages consumers to complain now if they are concerned about commissions on their car finance.
[H3] Start Your Car Finance Claim Today — No Win, No Fee
How We Help:✓ Free initial assessment✓ We handle all paperwork✓ Deal with lenders on your behalf✓ No upfront fees✓ Only pay if your claim is successfulOur Process:Free eligibility check – Takes just 2 minutesDocument review – We identify any failingsSubmit complaint – We handle everythingSecure your redress – You only pay if successful
Apply Now Remember: You can complain directly to your lender and then the Financial Ombudsman Service for free. Our success fee is 18-36% inc. VAT if we secure compensation for you.DisclaimerThis page provides general information only. The outcome of any claim depends on individual circumstances and proper investigation.Allegiant Finance Services Ltd (FCA Ref: 836810) is authorised and regulated by the Financial Conduct Authority. Always seek personalised legal or financial advice before making decisions.Sources¹ FCA Motor Finance Consultation Analyst Briefing (October 2025): https://www.fca.org.uk/publication/corporate/motor-finance-consultation-analyst-briefing.pdf² FCA Press Release: “14m unfair motor loans due compensation under FCA-proposed scheme” (7 October 2025): https://www.fca.org.uk/news/press-releases/14m-unfair-motor-loans-compensation-proposed-scheme³ FCA Statement: “FCA to consult on a compensation scheme for motor finance customers” (3 August 2025): https://www.fca.org.uk/news/statements/fca-consult-compensation-scheme-motor-finance-customers⁴ Supreme Court: Johnson v FirstRand Bank Limited [2025] UKSC 33 (1 August 2025): https://supremecourt.uk/uploads/uksc_2024_0157_0158_0159_press_summary_3ebf0c54ba.pdf⁵ FCA PS20/8 – Motor finance discretionary commission models and consumer credit commission disclosure (July 2020, implemented 28 January 2021): https://www.fca.org.uk/publication/policy/ps20-8.pdf
[H3] Start Your Commission Claim
Apply Now
[H3] Stephen Griffiths, Head of Product
Stephen is our Head of Product, with a steadfast dedication to consumer justice and thought leadership . In his early years, Stephen was a Complaints Handler at Lloyds Banking Group. Stephen then worked at the Financial Ombudsman Service for over 10 years in various roles, including Quality Auditor. Stephen ensures Allegiant provides top tier claims handling for our customers.
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DCA Claims (Discretionary Commission Arrangements)
Learn more about Discretionary Commission Arrangement Claims here
DCA Claims
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NDA Claims (Non Discretionary Commission Arrangements)
Learn more about Non Discrestionary Commission Arrangements here
NDA Claims
[H2] Frequently Asked Questions
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Are car finance claims real? / Are these car finance claims legit?
Absolutely. In fact, they’re grounded in solid legal precedent. In August 2025, the Supreme Court found a particular commission arrangement to be unlawful under a section (s.140A) of the Consumer Credit Act, creating an “unfair relationship between the customer and the lender. There can be various factors which contribute to a commission arrangement being unfair under the Consumer Credit Act, for instance: the size of the commission, the nature of the commission, the characteristics of the customer, the extent and manner of the disclosure, and compliance with the regulatory rules. Customers with claims that share similar facts to the case the Supreme Court upheld, ought to be due compensation too.
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How do car finance claims work?
Car finance commission claims are now handled under the FCA’s confirmed motor finance redress scheme (PS26/3, published 30 March 2026). You can access the scheme directly for free, or you can use a claims management company (CMC) or regulated law firm to manage the process on your behalf.The scheme covers regulated motor finance agreements – PCP, hire purchase, and conditional sale – taken out between 6 April 2007 and 1 November 2024 where commission was not properly disclosed. There are two tracks depending on whether you have already complained:If you have already complained to your lender, you are automatically included. Your lender must tell you within 3 months of the implementation period ending whether you are owed compensation and how much. You do not need to do anything further.If you have not yet complained, your lender will contact you if you are likely to be owed money. However, complaining now moves you onto the faster track. You can complain directly to your lender – a template complaint letter is available on the FCA’s website – or you can instruct a CMC like Allegiant to handle it for you.Once your lender issues a decision, you can accept the offer or challenge it. If you are not satisfied with the outcome, you can escalate to the Financial Ombudsman Service (FOS) for free.
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How long do car finance claims take?
The FCA’s confirmed redress scheme sets clear deadlines for lenders:For agreements from April 2014 onwards, the implementation period ends 30 June 2026. Lenders must then inform complainants within 3 months (by 30 September 2026) whether they are owed money. If you accept, payment follows within a month – meaning compensation could reach you by November 2026.For agreements from April 2007 to March 2014, the implementation period ends 31 August 2026. Complainants should receive a decision by 30 November 2026, with payment by January 2027.For consumers who have not yet complained and are contacted by their lender, the timeline is longer. Lenders have 6 months after the implementation period to invite eligible customers to opt in, and consumers then have a further 6 months to respond. This means the full process for non-complainants could extend into late 2027.The FCA’s stated objective is for millions of claims to be settled in 2026, with the vast majority resolved by the end of 2027. Anyone not contacted by their lender can still complain directly by 31 August 2027.
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What is the best car finance claims company?
“Best” depends on three non-negotiable criteria—regulation, fees and track record—whether you pick a CMC or a law firm:
[H3] Regulatory Oversight (FCA or SRA):
It is essential to ensure your professional representative is authorised to represent you under a relevant regulator.Claims Management Companies (CMCs) are regulated by the FCA under the Financial Services and Markets Act.Law Firms handling these claims are regulated by the Solicitors Regulation Authority (SRA).
[H3] Fee Structure & Transparency:
No Win, No Fee: Both top CMCs and law firms typically operate on a no win–no fee basis, but the percentage they charge can vary (often 25–35 percent of your redress). Always request their full fee schedule in writing. Look out for hidden extra costs (e.g., VAT, “file handling” fees, or unscheduled disbursements). Here at Allegiant, our prices are clearly stated to include VAT. We have no hidden charges.Lawyers vs CMC Fees: In some cases, SRA-regulated firms charge slightly higher percentages than CMCs.
[H3] Demonstrable Success & Client Feedback
Track Record: The best providers (CMCs or law firms) publish anonymised case studies or statistics demonstrating their experience. Allegiant has claimed over £80 million across all claim types.Independent Reviews: Check Trustpilot, Which? or MoneySavingExpert forums. Beware of five-star packed reviews—look instead for detailed, balanced feedback. High-volume CMCs sometimes trade on aggressive marketing; top law firms usually have steadier, quality-based reputations. Allegiant has an great Trustpilot rating Our reviews are not manipulated. Be aware of providers that ask customers to write a 5* review based on a “great” phone call only(!). Look for results based reviews.
[H2] See the Latest Car Finance News from our Insights blog
[H3] Two Types of Commission Explained
In this blog, our Head of Product, Stephen Griffiths, explores the main two branches of commissions associated with car finance.
View now
[H3] Mis-sold Car Finance: What You Need to Know
We take a look at the essentials all UK drivers should know about vehicle hidden commission claims.
Learn now
[H3] The Story of Ms Lewis, Arnold Clark, Barclays Partner Finance, and Hidden Commission
Learn about the humble beginnings of the UK’s largest financial scandal since PPI.
Go now
[H2] Our Car Finance Claims Process
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[H3] Step 1
We'll locate and review your car finance agreements
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[H3] Step 2
We'll spot any lender failings, and hold them to account
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[H3] Step 3
We'll review the lenders offer, or escalate as necessary
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[H3] Step 4
Where eligible, we will ensure you are re-united with your cash
Trustpilot

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[H1] Scam and Fraud Claims
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HomeFraud and Scam Claim JourneyScam and Fraud Claims
[H1] Expert Help for Scam Victims in the UK – Reclaim What’s Rightfully Yours
At Allegiant, we specialise in helping scam victims recover their hard-earned money. We understand the stress, uncertainty, and emotional toll you’re experiencing. With our expert team, you’re in trusted hands every step of the way.
[H2] The Growing Threat of Scams in the UK
Scams have become an increasingly prevalent issue in the UK, with devastating financial and emotional consequences for victims:In 2024, scams accounted for 0.4% of the UK’s GDP, with total losses reaching a staggering £11.4 billion 2.The average loss per victim stands at £1,443, highlighting the significant financial impact of these crimes 2.61% of Britons encounter scams monthly, with 52% reporting an increase in scam activity over the past year 2.Romance fraud reports have surged, costing UK victims over £400 million in just five years 1.
[H3] Common Types of Scams
Scammers employ various tactics to deceive their victims. Some of the most prevalent scams include:Fake Delivery Scams: 51% of scam victims reported encountering these4.HMRC Scams: 42% of victims faced fraudulent tax-related communications4.Purchase Scams: These account for 74% of all scam reports4.Online Marketplace Scams: 38% of victims encountered fraudulent listings4.“Hello Mum” WhatsApp Scams: 37% of victims reported this type of scam4.Investment Scams: While less common, these account for £1 in every £3 claimed by victims4.
[H3] Why Choose Allegiant?
Proven Results: We’ve successfully recovered funds for victims, helping them regain financial stability.Trusted Experts: Our professional, knowledgeable, and empathetic team guides you through every stage of the process.Transparency You Can Rely On: No hidden costs, clear fees, and honest timelines from day one.Secure and Confidential: Your privacy and security are our top priorities.
[H3] How We Help
Case Review: We’ll assess your case and provide expert guidance on your recovery options.Claim Submission: Our team prepares and submits your claim with all the required evidence.Advocacy and Negotiation: We handle communication with your bank and the Financial Ombudsman to present your potential recovery.Result Delivery: Whether partial or full recovery, we strive to exceed your expectations. If the case cannot be won, we will explain why.
[H3] What to Expect
Timeline Transparency: We keep you informed at every stage of the process.Regular Updates: You’ll never have to wonder about the status of your claim.Empathetic Support: Our team understands the emotional challenges of recovering from scams and is here to provide reassurance.
[H3] The Emotional Impact of Scams
Being a victim of a scam can have severe emotional consequences:53% of victims report a strong emotional impact, a 7% increase from the previous year2.Many victims experience feelings of betrayal, distrust, guilt, and shame6.45% of fraud victims stopped using the bank or financial institution where the crime occurred6.Victims often suffer from anxiety, stress, and depression due to the sense of violation and fear of future fraud6.
[H3] Start Your Recovery Today
You’re not alone in this struggle. With the rising prevalence of scams, many people find themselves in similar situations. Take the first step towards getting your money back. Our secure form is quick and easy, and our experts are ready to help you reclaim what’s rightfully yours.Remember, seeking help is a sign of strength, not weakness. Let Allegiant guide you through the recovery process and help you regain your financial stability and peace of mind.Apply NowCitations:https://claimsmag.co.uk/2025/02/uk-dating-scam-losses-soar-to-over-400m-as-reports-rise-by-27/https://www.gasa.org/post/state-of-scams-in-the-united-kingdom-2024-11-billion-stolenhttps://restless.co.uk/money/everyday-finance/latest-scams-to-watch-out-for/https://home.barclays/news/press-releases/2024/12/scams-unwrapped–barclays-reveals-the-most-spotted-scams-of-2024/https://www.financial-ombudsman.org.uk/decisions-case-studies/case-studies/bank-said-victim-text-message-scam-grossly-negligenthttps://www.biocatch.com/blog/addressing-emotional-impact-financial-fraud
[H3] Service Highlights
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Over £67 million recovered from high cost lenders
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10,000's of happy customers
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Online application processOur fees range from 18% to 36% (including VAT) on successful claims
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[H3] Andy Ramsay, Fraud and Scam Claims Manager
With over 40 years of experience spanning both financial services and legal services, Andy has been tirelessly dedicated to providing access to justice for people in need. His diligent work ethic is a testament to his unwavering commitment to his clients. Andy is ready and eager to assist with any claim you may have.
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Purchase Scams
These scams involve fraudsters tricking victims into paying for goods or services that don’t actually exist. The scammer may set up fake online stores or advertise non-existent products on legitimate platforms. Once payment is made, the victim never receives the promised item, and the fraudster disappears. Purchase scams have become increasingly sophisticated, often incorporating elements of other scam types to create hybrid scenarios that are harder to detect.
Purchase Scams
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Investment Scams
In these schemes, fraudsters lure victims with promises of high returns on investments that are actually fraudulent. These scams often involve fake investment opportunities in stocks, bonds, cryptocurrencies, or other financial instruments. The scammers may use professional-looking websites, fake testimonials, and high-pressure sales tactics to convince victims to invest. Once the money is transferred, it disappears along with the fraudster. Investment scams account for over a third of all Authorised Push Payment (APP) scam claims, with approximately 60% of these claims being resolved in favour of the victim.
Investment Scams
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Romance Scams
These scams prey on people’s emotions and desire for companionship. Fraudsters create fake online profiles on dating sites or social media platforms to build a relationship with their victims. Once trust is established, the scammer begins to request money, often citing emergencies or opportunities that require immediate financial assistance. Romance scams have seen a surge in recent years and are increasingly incorporating elements of other scam types, creating more complex hybrid scams.
Romance & Dating Scams
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Invoice Scams
In these schemes, fraudsters send fake invoices or bills that appear to be from legitimate companies or service providers. The scammer may impersonate a known supplier or create a convincing fake company. Victims are tricked into paying these false invoices, believing them to be for genuine goods or services. These scams often target businesses but can also affect individuals, especially those who regularly deal with invoices or bills.
Invoice Scams
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Hybrid Scams
Hybrid scams are increasingly common and involve a combination of features from different scams. These scams are becoming more sophisticated and often include elements of investment scams or cryptocurrency. They are particularly prevalent in romance scams, purchase scams, and ‘safe account’ scams.
Hybrid Scams
[IMG: Crypto scam complaints]
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Cryptocurrency Scams
Cryptocurrency scams take advantage of the complexity and relative novelty of digital currencies. Scammers may create fake cryptocurrency exchanges, offer fraudulent initial coin offerings (ICOs), or run Ponzi schemes promising high returns on crypto investments. They might also use phishing techniques to steal private keys or convince victims to transfer cryptocurrency to fraudulent wallets. The decentralised and often unregulated nature of cryptocurrencies makes these scams particularly challenging to investigate and recover losses from.
Cryptocurrency Scams
[IMG: Job and task scam]
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Job / Task Scams
These scams exploit people’s desire for employment or extra income. Fraudsters post fake job listings or offer seemingly legitimate work-from-home opportunities. Victims may be asked to pay for training, equipment, or background checks. In some cases, the scammer may use the victim to unknowingly participate in money laundering by asking them to transfer funds or receive and forward packages. These scams can lead to financial losses and potential legal complications for the victims.
Job or Tasks Scams
[IMG: Hiding behind a mask,]
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Impersonation Scams
In these schemes, fraudsters pretend to be trusted individuals or organisations to trick victims into revealing sensitive information or transferring money. They may impersonate government officials, bank employees, tech support staff, or even friends and family members. Scammers often use sophisticated tactics like spoofing phone numbers or email addresses to appear legitimate. These scams can be particularly convincing and damaging, as victims believe they are dealing with a trusted entity.
Impersonation Scams
[H2] Questions about our Scam Reimbursement Claims Service…
Click below to see answers to common queries.
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I've been scammed and now have low trust of companies. How can I check that Allegiant is a legitimate company?
It’s understandable that your trust will have been dented in businesses, particularly when dealing online. It’s great that you are thinking about how to check a company is real.Before engaging the services of any company or person offering to help you recover lost money through fraud that they are legally authorised to do so.Our full name is Allegiant Finance Services Limited. We are a Claims Management Company that is Authorised and Regulated by the Financial Conduct Authority. Firm Reference Number: 836810.You can check our credentials on the Financial Conduct’s Authority’s Financial Services Register.The register lists all the firms authorised to conduct regulated financial services activities which includes Claims Management Services. You can find the Financial Service Register by entering “FCA register” on your internet browser.You may be seeing our website, but we have physical offices in Cheshire, England. We are based at 400 Chadwick House, Warrington Road, Birchwood Park, Cheshire WA3 6AE. We were founded in 2010, so we’ve been around a while.You can check the above facts by typing in “Companies House Search” into your internet browser and searching for “Allegiant Finance Services”.You can also check independent review sites like Trustpilot and Google Reviews.
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Do you charge for your services?
Yes, our service is chargeable but only where you receive compensation.You do not need to use a claims management company to make your complaint to your bank. If your complaint is not successful you can refer it to the Financial Ombudsman Service for free.If you choose to use our service our fees are owed upon a successful claim and are a percentage of the amount recovered.We do not charge upfront fees, and if your claim is unsuccessful there is no charge. You can cancel your claim for free at any point unless an offer has been made, at which point our success fee will apply.
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Am I eligible to claim?
We can help you with all sorts of fraud claims including bank transfer fraud (authorised push fraud), safe account, impersonation investment romance, purchase and invoice scams.If you believe that you have been a victim of a fraud scam, contact us to find out more about what this involves. If you are not sure if you have a claim, we can find this out for you.
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I have been told / I believe I was at fault. Can you still help me?
Yes – because you may not actually have been at fault, or because your bank may also have been at fault! 1 in 2 claims are unfairly rejected by the banks. Based on our experience and expertise we present a claim based on the relevant rules, codes and best practice standards to see if the bank shouldn’t have taken your instructions at “face value” or considered the wider circumstances surrounding the transaction, before making the payment.
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How do I start a claim with you?
You can start a claim by entering your details here. The more information you provide, the more likely we can make a quick decision on whether we can take your case on.By filling in the claim form you’re not committing to using our service, and if you change your mind we’ll not take your case forward or contact you again.If we decide to take on your case, we’ll let you know and at that point, you’ll be sent a copy of our contract with other documentation via email. You’re only committing to our service once you sign and return the contract.
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How long does a fraud, scam or sham claim normally take?
It is very difficult for us to place a timescale on the claims process. Much will depend upon whether your bank agrees to your claim, or whether they defend it. If your bank agrees to your claim following the submission of our Letter of Complaint, we would expect the compensation offer to be received within approximately 8 to 12 weeks.If the claim needs to be referred to the Financial Ombudsman Service, this may add 6 to 24 months to the claim (depending on the Financial Ombudsman Services’ capacity and what arguments the bank has made in defence). In cases where there is severe and immediate hardship, the Ombudsman may be able to fast-track your claim. If this applies to you, please tell us.
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What should I do If my bank contacts me directly with an offer?
Please notify us immediately so that we can give you guidance on whether the offer is fair. Our fees are due whether the bank sends the offer to you or us, so there is no benefit in not seeking our guidance where an offer is received.
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Can a non UK resident make a claim?
Yes! Subject to the bank account being a UK bank account, you are able to claim. This includes UK bank accounts where money was withdrawn in connection with the fraud.
[H2] Our Fraud & Scam Claims Process
We realise that claiming against a bank may feel daunting. We aim to make the claiming process as simple as possible. Our experienced team will communicate with the bank (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 bank, and if your complaint is not successful you can refer it to the Financial Ombudsman Service your