Are you paying too much interest?

Has your Interest been calculated properly?

Is your actual Agreement compliant with the Consumer Credit Act?

You may not know the answer to the above and that is why our Solicitors "Audit" your agreements to provide you with the answer.

It doesn't matter if you think you may have lost or mis-placed documents because we will request original copies from your lender or credit card provider for you.

The Consumer Credit Act of 1974 was brought about to protect UK Consumers, however the terms that allowed the consumer protection were not clear and therefore for decades the Credit Industry was allowed free reign with little resistance or challenge from Consumers.

However these unclear terms of protection have now been changed as a result of the Consumer Credit Act of 2006 which makes clear to all parties that Consumers can challenge a Credit Agreement if they believe it to be Unfair.

Ratio Money in partnership with Solicitors can check, audit or review your agreements and confirm if they are fair or unenforecable.

If you believe you may have taken up an "Unfair Credit Agreement" we will handle the whole process for you including if needed taking your Creditor all the way to Court.


We combine our knowledge and experience in finance with our Solicitor's expert legal advice to 'audit' your credit agreement(s).

We check that your agreement complies with the prescribed terms defined in the Consumer Credit Act of 1974. This Consumer Credit Act 1974 exists to protect the rights of lenders and borrowers who are in contract with each other. Millions of credit agreements, ranging from credit cards to loans are in breach of the Act and can be deemed 'unenforcable'.

Where a borrower's agreement is declared 'unenforcable' he/she would not be required to make any future repayments and may even have past repayments refunded because the lender has not complied with the law.