My lender is Monument, I have three cases with Ratio one with Nat West and the biggest they said did not show any signs of a breach but was gloing to look at it again :-?, the other with Capital one apparently they have not supplied a CCA they cant read so is non compliant:-| I paid Ratio £395 to look at each case, so like us all i feel a bit of a mug. It would be nice if someone popped onto this forum to say they have had success with Ratio "IS THERE ANYONE OUT THERE"

Ok thanks I'm going to sign the paperwork and send it off monday i wont hold my breath on a result but i have got this far, i have emailed my intorducer and lodged a complant about the proccess he did call me and said he is very sorry and will be calling Ratio himself to try and get some answers from them.

Hi Billy Goat Are you expecting to incure further costs I paid Ratio the fee and now the solicitors that are taking on my case are quoting fees if i win of around £7000 to £14000 the debt they are looking at is now only £1600 this is ridiculas. also mckay law want me to prove my identity i live near london and they are based in leeds how the hell do they expect me to go to there offices with my passport. the time scale there talking about is about 9 to 12 months as well i could if carefull pay this debt off in 6 months its very frustrating and makes me angry as i was introduced to them by a mortgage adviser who is base in a very well known estate agent in my area and guess what can i get hold of this chap now NO

Hi Like you Paddy i have had cases with Ratio since April 09 three in total, I recived a audit report from Emmits about one credit card then nothing for months, then mckey law wrote to me saying they were now handeling the case, I have also just recived a load of paperwork from mckay law suggesting fees of between £7,400 and £14,500 this is rediculas as my debt with this lender is only £2000, i was led to belive by ratio money that the only costs to me was the original paid to them at the start of this proccess, as for my other two cases nothing from ratio yet i feel afetr reciving the paper work form mckay i want to stop the proccess now and try at least to get my monry back from ratio, feel confused and scared to sign anything just incase i end up with even more debt than i got now.