ratio money

[babybear39]

Where do you think the sols get the funding for in the meantime to work on your cases??

 

 

[EDIT]

 

Post reported

Edited October 7, 2009 by Rooster-UK
Moderated quote.

[gezwee]

Post reported

 

Hi Bb

 

I prefer Lals post to stay on here, reminds us all why Cag is such a valuable forum.

 

DCA's/CMC's, most are bred in the same Gene pool

 

Gez

[babybear39]

Being unemployed is NOT a crime!!!

[gezwee]

Being unemployed is NOT a crime!!!

 

I know it, you know it........ my eldest 2 lads know it, pity poor old Lal doesnt

 

Keep him on here, its a reminder for all of us of how the inbreds at DCA's and CMC's view the rest of the world....... through sh*t stained glasses me thinks

 

Gez

[saddler68]

Some firms have sufficeint funding to issue their own claims, others have to rely on 3rd party funding. The interest charged on any fund drawdown is rcoverable, I think. Either way the 295 charged by RM to audit accounts IS NOT used to fund claims.

[Hopster]

just had a letter from ratio Money saying that the lender has not complied with its legal duty etc etc and that means that the credit agreement is deemed to be incorrect and Ratio can now referthe case to a [panel of solicitors

Any other Caggers at this stage.................?

[killylilly]

Hi Hoppy,

 

I have had a call from Ratio today,regards my loan.....but they charge a fortune.

Have you paid a up front fee? how much?

Have you heard of any success stories? ask them for proof...

 

KillLill

[creditman09]

Leeds County Court - Bank of Scotland v Mitchell is a very good one. Undertake a search on this site as there is a mass of detail here somewhere.

[Hopster]

What do you undderstand their charges to be.- anything on top of the upfront fee or not ?

[Billy goat gruff]

Ratio Money charge you £295 for the first loan/credit card that you want them to audit to see whether its unenforcable/unfair. £195 for the second and £95 for the third and subsequent ones. Be warned tho this is no quick process and takes an eternity. Also the customer service is still poor and you rarely get any feedback unless you do the chasing.

[creditman09]

Ther do not seem to be I signed up last November and it is a long process. I would suggest that you read the whole of this thread to get a good picture.

 

There are people who are not happy but I have 13 agreements being dealt with and it does seem to keep the claimants/creditors at bay a bit once they know you are with a CMC. Also, once you have a solicitor in place you could stop any sort of payment if you are happy you have a good case.

 

Show them that the agreements have been checked by a solicitor and that you have a conditional fee agreement signed up.

I have 13 defaults which must also make any creditor wonder whether it is worth pursuing given I have limited income. Most of them have not checked my Experian details for sometime and are not up to date on this. I pay a monthly fee to Experian for alerts on who is searching.

 

You should spend time gaining an education from this site and make your decision after that. It may pay you to rely on the excellent advice given here.

[Billy goat gruff]

I have just written and am about to post my third letter of complaint to Ratio Money for the attention of their MD. I rang them a short while ago got an inadequate update and am generally fed up to the back teeth that my claim has and is taking so long. To be told by the solicitor that it could be a further 6 - 9 months was the straw that has broken the camels back for me.

[killylilly]

Kevin Webster ( corrie street) is one of the main men for ratio,with him working all they ours acting,where does he get the time to get honest people like us our money back....

 

i believe Cartel client Review are worse.....

 

KL

[exasperated]

BF,

If you have no CCA's to any of your requests and no information back of any description I cant see a creditor taking you to court as they will have nothing to put before a judge. Anyway if that did happen and you got court papers just post it on here. You know that would have to provide you with the same evidence that they are to put before the judge. If they have an agreement they think is enforceable scan it and get it on here for the experienced caggers to have a look at. That would be exactly what ratio money would do except they would charge you for it. Anything that they can do you can do, you do not have to be legally trained to defend yourself.

I would not worry if I was in your position as receiving no documentation has got to be a sure sign they have not got the CCA which puts you in a really good position I think

Exasp

[dpick]

EDIT

 

Very nice comment. BUT if you are going to make comments like this please have the goodness to say what you are on about.

 

dpick

[pt2537]

Please do not post insulting comments, any repeat will result in moderation of accounts

[killylilly]

Please remove all sheep from this site,we are all in this together,and i dont see why a "waste of skin "should get their comments posted.

 

You know who i mean, someone who cant count to 5.....

[exasperated]

DPick,

What do you mean? it does state what I am on about does it not

Exasp

[Billy goat gruff]

I am glad that common sense has prevailed and that nasty rude comments are now moderated and the perpetrators are removed. This site is extremely useful for all those confronted with real issues and dilemmas on the way forward in some cases some "individuals" may not like what they see but feedback on this site works and "people" do take notice.

[dpick]

DPick,

What do you mean? it does state what I am on about does it not

Exasp

 

Hi not your post I was commenting on, my post has been edited by CAG to remove the original post I was commenting on, and I believe that the poster has been removed.

 

All the best dpick

[cerberusalert]

DPick,

What do you mean? it does state what I am on about does it not

Exasp

 

The thread's been moderated and some posts removed so some replies may seem a little disjointed as they've replaced the moderated ones.

[exasperated]

The thread's been moderated and some posts removed so some replies may seem a little disjointed as they've replaced the moderated ones.

 

Ok Cerb/Dpick

I understand now but in my email it showed Dpick's reply to my posting.

Thanks

Exasp

[cerberusalert]

it showed Dpick's reply to my posting

You'll get an email whenever anyone posts to the thread, but if a post has been moderated in time you won't get a copy of it.

[Billy goat gruff]

Has anyone had any dealings or know anything about a firm called `Guardian GB`? These are another one of those firms that will audit credit agreements to see if they are unenforcable/unfair etc. Id be interested to hear anyone`s view especially as they claim to offer a quicker process time than some of the other countless firms out there.

[Hopster]

No, I don't know Guardian GB - What is the timing and how much ? We can compare.