1. Firstly, just give us a call or apply online.

2. We will then send you a simple claims pack allowing Ratio Money Ltd to manage your Credit Card/Store Card claim on your behalf.

3. Once we have received your completed pack we will do all the hard work for you, its that simple.

4. Once you receive an acceptable settlement we will arrange payment for you minus our fee of 20% on the total amount, no hidden charges or costs.