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| Q: |
Can I claim against any Credit Agreement? |
| A: |
As long as the amount is less than £25,000 and above £5,000 (Ratio can only deal with claims over £5K)then yes we can claim against any Credit Agreement that is governed by the Consumer Credit Act. |
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| Q: |
Can I make the claim myself? |
| A: |
Yes you can make a claim yourself however it is unlikely your creditor will settle without the threat of legal action and the law is very complex in this area.
Also please note this is complex law and should not be seen as a "Loop hole" solution to write off your debts.
Recently a Consumer who had managed to have £36,000 written off last year, made a very poor decision to try and clear other agreements that were in the Courts opinion enforeceable, which ended in massive costs for the Consumer.
Ratio Money and our Solicitors will only proceed with a Claim for redress if there is GENUINE detriment to you as a Consumer.
Our "Audit" covers 28 pages and details the many reasons why your Agreement is unenforeceable or enforceable.
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| 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. |
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| 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. |
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| 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.
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. |
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| Q: |
What is included in the Audit Fee? |
| A: |
Your fee of only £295, £195 and £95 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 28 page report covering all problems and areas of concern for the basis of a claim.
This is a very new claim and only a small amount of companies are offering this service, however Ratio Money is the only company that does not charge contingency fee for Unfair Credit Agreement claims...
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