Q: Can I claim against any Credit Agreement?
A: As long as the amount is above £1,000 (Ratio can only deal with claims over £1K) then yes we can claim against any Credit Agreement that is governed by the Consumer Credit Act.

Q: Can I make the claim myself?
A: It is possible to make a claim against your Creditor in relation to Unfair Credit Agreements, however it is vital you are armed with the correct information and knowledge.

Recently a consumer in the midlands ended up having to pay thousands of pounds in legal cost when they lost a “weak” claim.

All our Solicitors use what is known as “After the Event” Insurance to make sure you would never have to pay legal costs in the event of a failed claim.

Q: Does it matter if I am in an IVA?
A: No, if you are in an IVA or on a Debt Management plan we can still assist you.

Q: Will I have to discuss this with the Creditor?
A: No once you have authorised ourselves to deal with you complaint on your behalf the creditors cannot hassle you in relation to the claim, simply remind them that Ratio Money are dealing with this issue.

Q: Do you have a panel of experienced Solicitors if required?
A: Yes Ratio Money have an experienced panel of Solicitors throughout the UK who are specialist Consumer Litigators.

Ratio Money also have close relationships with “Barrister” chambers who are specialist in Consumer Credit Claims.

Once your “Audit” is concluded and you have a claim ,these Solicitors can then act for you and you get to keep 100% of any settlement.

Q: What is included in the Audit Fee?
A: Your fee of only £295* covers all aspects of our work in regards to your claim, on settlement of your claim you will keep 100% of all compensation...

Our Solicitors manually “Audit” your Credit Agreements and produce a report covering all problems and areas of concern for the basis of a claim.

Your Audit Fee will be refunded less a £50 admin charge in the event your agreement is compliant.

* Occasionally additional costs may apply see terms and conditions for full details.

Q: Do you offer a refund if i do not have a Claim?
A: Yes in the event your “Audit” does not result in a claim being placed with our Solicitor panel we will give you a full refund.

This refund policy is available from the 20/10/2008 onwards for Unfair Credit Agreement claims only.