What can I claim?

Money back, reduced, or even written off on any Credit Agreement not in line with the Consumer Credit Act of 1974, for example, it does not illustrate the full amount of interest payable or cash price we may well be able to reduce or have the total amount owed written off.

Common examples of credit agreements include:

• Credit Cards
• Retail Finance Agreement (Electrical, Home Furnishing etc)
• Car Loans
• Secured Loans
• Unsecured Loans
• Store Cards

In effect any Finance Agreement you have…
Get the loan massively reduced or written off.

How It Works

1. Simply fill in the online Make a Claim form.

2. We will then send you a claim pack that includes a letter of authority allowing Ratio Money Ltd and a member of our Legal Panel (Solicitor) to deal with your Credit Agreement Provider in relation to your evaluation (audit) and potential claim.

3. We also will include a pro forma invoice for your Audit Fee of £295 for each Audit*.
* Occasionally additional costs may apply see terms and conditions for full details.

4. We will need copies of your original Credit Agreement if you still have them please send them back with your letter of authority.

5. If you do not have your original documents do not worry we will request directly from your creditor or loan company (this cost is covered in your audit fee).

6. Once we have received your letter of authority and original Credit Agreement, we will evaluate if you have a valid claim if indeed your claim is valid we will then progress your complaint with your Credit Agreement Provider in conjunction with our solicitors updating you every step of the way.

7. On settlement of your claim you keep 100% of settlement plus any interest.

8. We are authorised by the Ministry of Justice in relation to Claims Management Activities.

Make a claim