Hi guys, I've involved the Ministry of Justice in my complaint against Ratio Money and they're really on the ball and have been a great help. The more complaints against one party (ie. Ratio), the more inclined they are to formally investigate and take action for a breach of contract. Hopster: good luck with Emmetts - that's who were 'looking after' my cases for eight months with no progress and have now denied ever having them. I've now complained to the Legal Complaints Service (part of the Law Society) about them.