1.    What Ratio Money will do for you:
(a)  We will in conjunction with our Solicitors ‘Audit’ your Credit Agreement and, if appropriate, pursue on your behalf, a claim for the remaining balance of the Credit Agreement to be deemed unenforceable; reimbursement of repayments made paid, plus statutory interest and future repayments discontinued.
(b)  We will provide this service on a Flat Fee basis where the cost for ‘Auditing’ your Credit Agreement will be £295.00 (initial) £195.00 (secondary) and £95.00 for all subsequent.
(c)  We will correspond and negotiate with the defendant on your behalf in this action.  We will require you to sign a ‘Letter of Authority’ to facilitate this.
(d)   We will inform you of all offers that we receive from the defendant; evaluate them and advise you in writing whether we consider it to be in your interests to accept or to reject.
(e)  We will forward to you the monies agreed in settlement of your claim with the defendant, subject to the conditions in parts 3 (e) (i) (ii).
(f)   We will endeavour at all times to provide you with the professional and dedicated service that you deserve.  We will use all reasonable skill and care in the processing of your claim for reimbursement.  To include all repayments made within a regulate credit agreement agreed or judged to be unenforceable.
(g)  We will always act in your best interests in pursuing your claim and seek to always obtain the best results.
(h) We will return all your documents (including bank statements, policy or credit agreements) upon receipt of all monies due in accordance with this agreement.
(i)   We will assist you in completing all or part of our application, and/or any subsequent forms which you may be experiencing trouble with.

2.   What Ratio Money will NOT do for you:
(a)  We will NOT advise you to pursue a claim that in our opinion has no realistic chance of success, or where the amount in issue does not in our opinion justify the likely work involved, and we reserve the right to cancel this Agreement if we form this opinion.
(b)  We will NOT advise you to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable, and we reserve the right to cancel this Agreement if you wish to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable.
(c)  We will NOT accept an offer without your agreement.
(d)  We will NOT give or offer you financial advice.
(e)  We will NOT take steps to remove any negative credit entry that your Insurer may have registered against your name. 
(f) We will NOT offer Legal Advice directly in the event of your claim going to the court stage we will guide and assist you as far as we can and if needed refer you to our panel of qualified Solicitor for direct legal assistance.

3.   What we expect from you:
(a)  To provide us promptly with all relevant information and items we request to enable us to pursue your claim.
(b)   To provide us with clear instructions.
(c)  To cooperate with us (including sending to us any correspondence you receive directly from the defendant).
(d)   Not to ask us to work in an improper or unreasonable way or to mislead us.
(e)  To provide us with the exclusive authority (to the exclusion even of yourself):
(i)    to pursue your claim;
(ii)   to enter on your behalf into correspondence and negotiations;
(f)   To read all of our terms and conditions and to sign to say that you have understood them.
(g)  To retain a copy of our terms and conditions for your own reference.
(h)  pay any associated court costs (refundable at point of settlement) which may become due should you decide to take your claim through the small claims court, Ratio Money will not offer any Legal Advice, however we will offer you support throughout the process and our panel of Solicitors will of course represent you if needed.

4.   Our Fee
(a)  We will charge you a flat fee of £295.00 (initial) £195.00 and £95.00 (subsequent) which is non-refundable.
(b) If after ‘Auditing’ your agreement we believe that you do not have a claim we will in accordance with section 5. We reserve the right to cancel this agreement and return your fee of £295.00 within 28 days.
(c) If after ‘Auditing’ your agreement we believe that your claim has a chance of success we will as judged by our legal panel.  We will inform you within 28 days.
(c) If no payment is received, you pay us nothing except in certain circumstances (see section 5 below on "Cancelling this Agreement").

5. Cancelling this Agreement
(a)  We can cancel this arrangement at any time and no fee will be payable by you, if we advise that your claim is unlikely to succeed and if you have not breached your duties set out at section 3 above.
(b)  We can cancel this arrangement at any time, If the Agreement is cancelled in circumstances that entitle us to charge you for our work, those fees, if we elect to charge them, will be calculated by multiplying the number of hours (or part thereof) spent by us on your claim by the applicable hourly charging rate of £10 per hour, and time spent will be measured in units of six minutes.  We will, however, warn you if we intend to charge such fees and how much they are likely to be.
(c)  If you have breached your duties set out at paragraph 3 above or
(d) If you accept an offer that we consider inadequate or reject an offer that we consider to be reasonable.
(e)  Cancellation of this Agreement by either party must be in writing.
(f)  There is a 14 day cooling off period in which you may cancel the agreement without any charge.