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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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ratio money


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I spoke to a solicitor yesterday who was handling one of my cases and he has heard nothing from Ratio and can not move it forward until he does. In terms of the poor customer service and lack of updates etc I would urge everyone to start the complaints process off. There are a number of introducers out there who are as culpable as Ratio as well namely UK Logical and Guardian GB the latter promised the earth and claim they are different cos they have barristers on board etc - however when I quizzed them in January theyre guy clammed up and could only say "it will be at least 9 months" before any progress. Im at the stage where I wish I was never taken in by the piffle peddled by Ratio and the introducers to them.

 

Hi Billy Goat Gruff,

 

I again have just spoken to a female introducer following my 'naughty' pretend appliation to Claims Warehouse by their website which as I thought resulted in a call from them asking how they can help - I bet they wish they hadn't called me!

 

She informs of a company she referrs to who work closely with a Barriester and can turn my claim around in 11 days -- too little too late, the introducer informed this company would ring me but alas they never did, 2 minutes ago I spoke to her again she sounded 'shocked or great actress' they had not called me... I am now going down the route of finding my own local solicitor to help me complete the CCJ forms... It's going to cost but I can no longer afford the emotional time, distress and upset these sharks have caused...

 

She also suggested I threated the MD of Claims Warehouse & Ratio Money that I will inform the Office of Fair Trading -- too late already been done!

 

Once this CCJ mess is sorted, I will ensure court action is taken against both Ratio Money and The Claims Warehouse!

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This confirms my wider fears! Has anyone had any dealings with RARIO MONEY who were the original company handing my cliam ? They too seem to have gone to ground although when I spoke to the broker this morning who was very helpful she seemed to be suggesting contact with them is almost imposible!

 

This was recently posted by Black Knight on another website:-

 

Dear All

 

Just for clarification.

 

Black Knight Associates (BKA) provides Case Management Software and Litigation Lending to a number of experienced panel law firms operating in the Financial Irregularity claims market.

 

As part of the lending process BKA requires a risk assessment to be undertaken to determine if a claim has sufficient merit to proceed.

 

They further provide the software to perform this risk assessment.

 

Ratio Money, and several other CMC's, have referred claims to these BKA panel solicitors and the cases are currently being risk assessed.

 

This process includes direct contact with the client, usually by phone, to ensure that the information provided is correct and can be fully corroborated.

 

Many of these clients have been waiting for some considerable time to have their case passed to a solicitor.

 

Some were already with other solicitors, some just did not want to proceed and several gave verbal feedback that contradicted what was in the file.

 

Ratio Money did apparently write to the clients informing them of this process but wrongly referred to BKA as solicitors.

 

Clients that successfully pass this process are, with their consent, retained by the panel solicitor and BKA then provide litigation lending to the law firm to progress the case.

 

The unsuccessful clients are passed back to Ratio Money or the relevant CMC.

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RatioMoney have sold my case info. £50 to a law firm, be it a very small firm who have now instructed a barrister to look at the case. I have signed a CFA and await the outcome.

 

Good luck

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I finally got full confirmation from the panel solicitor today that they will not be proceeding with the case.

 

The letter states, "Having reviewed your file and sought specialist Counsel (Barrister) advice. It would appear unfortunately Counsel is of the view that you have less than a 50% chance of success in achieving a Declaration of Unenforceability should the matter proceed to court. The prospect of success is reduced as the courts have now tested a small number of claims and their findings are clear. Claims with a prescribed term breach do not have a discretion and the court must find them unenforceable. Claims likes yours have what is termed a discretionary breach and therefore the courts are unlikely to make such a declaration. They may decide to make a small financial adjustment on the agreement which may result. However due to the costs of litigating claims such as these we are unable to act under a Conditional Fee Agreement. Therefore Counsel is not prepared to proceed further with this case and we have been advised likewise. On that basis and for the above reason we do not intend to pursue this matter any further and will be closing your file at this office. We will inform Ratio Money of the same. We confirm you have no financial obligation towards our fees and we have not incurred any disbursements for which you are liable. Your file will be held in storage for a period of six years after which it will be destroyed. Please note you have the right to seek independent legal advice should you wish to do. Alternatively you may want to have your file reallocated to another panel solicitor via Ratio Money."

 

So, it looks like I was right when I said that Emmett's audit was inaccurate when it said that there was a prescribed breach. It's a year this week since I started this process. Very frustrating.

 

Regards

socleirigh

Regards

socleirigh

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The creditor is Swift Advances and its a secured loan so I made sure not to miss any payments.

 

However, the original loan was £15,000 and I have been paying £238 for three years and a recent redemption figure was £14,777.

 

I am subscribed to threads about Swift Advances who are a complete rip-off in the second charge loans market.

Regards

socleirigh

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I had a letter from the appointed solicitor today who said my case is unenforcable because it contains an incorrect APR,an incorrect total charge for credit and an incorrect final written warning. However his hands are tied because Ratio have not given him permission to use the credit audit report done by Emmets solicitors (probably because they fell out with Ratio?) Also it looks as tho a secret commission was paid. The firm in question is `Fortis Lease`. Ive just tried ringing Ratio and surprise surprise no answer not even an answer phone. I think my next action will be to proceed with a complaint to the Ministry of Justice and to send Matthew Porteus the Managing Director of Ratio another complaint.

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I had a letter from RM today notifying me that my case(s) had been referred to a firm of solicitors. In fact I have already heard form the solicitors who have arranged the necessary insurance and are instructing a barrister (they say). The cases were first looked at by Emmets. it all sounds ok but we will see.

Billy goat . Who is the (alleged) creditor ?

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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.

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I am done with Emmets. After they examined my agreements they returned the papers to RM who sent me the reports. Another solicitor paid RM £50 for each intro and they are now with that solicitor who has instructed a barrister (they say).

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I had 2 claims progressing with Emmetts. Once Richard Craven left nothing happened (not much had happened before then!), and now they have passed my cases on to James & Beckett solicitors.

 

I have another 2 claims that have been stuck with RM for about 6 months now with nothing happening - they no longer answer the phone or return any messages.

 

I am not sure what to do now. How should I pursue RM for a refund? Is a complaint to MoJ the best avenue? If so, does anyone have contact details for someone there?

 

thanks

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I had 2 claims progressing with Emmetts. Once Richard Craven left nothing happened (not much had happened before then!), and now they have passed my cases on to James & Beckett solicitors.

 

I have another 2 claims that have been stuck with RM for about 6 months now with nothing happening - they no longer answer the phone or return any messages.

 

I am not sure what to do now. How should I pursue RM for a refund? Is a complaint to MoJ the best avenue? If so, does anyone have contact details for someone there?

 

thanks

I wouldn't bother, they have gone into administration

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Hi Billy Goat Gruff,

 

I again have just spoken to a female introducer following my 'naughty' pretend appliation to Claims Warehouse by their website which as I thought resulted in a call from them asking how they can help - I bet they wish they hadn't called me!

 

She informs of a company she referrs to who work closely with a Barriester and can turn my claim around in 11 days -- too little too late, the introducer informed this company would ring me but alas they never did, 2 minutes ago I spoke to her again she sounded 'shocked or great actress' they had not called me... I am now going down the route of finding my own local solicitor to help me complete the CCJ forms... It's going to cost but I can no longer afford the emotional time, distress and upset these sharks have caused...

 

She also suggested I threated the MD of Claims Warehouse & Ratio Money that I will inform the Office of Fair Trading -- too late already been done!

 

Once this CCJ mess is sorted, I will ensure court action is taken against both Ratio Money and The Claims Warehouse!

Too Late. RM is in administration and I have heard that TCW is next. Too many customers will want their refund.

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Can you please confirm where you found this information?

From another claims company who submitted to ratio. They are talking to the administrators to see what is going to happen to their claims.

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From another claims company who submitted to ratio. They are talking to the administrators to see what is going to happen to their claims.

 

Thanks,looks like this 'industry' is imploding will be lots of very unhappy people!

Is there anyone out there who can actually make things happen with unenforceable agreements?

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Thanks,looks like this 'industry' is imploding will be lots of very unhappy people!

Is there anyone out there who can actually make things happen with unenforceable agreements?

 

You're right, it looks like the whole industry is gone. I lost £295 with Ratio Money and £900 with Clear Your Finance, who I also think went into administration.

 

If you have an unenforceable agreement you can do it yourself, with help from other members of this site.

 

Regards

socleirigh

Regards

socleirigh

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You're right, it looks like the whole industry is gone. I lost £295 with Ratio Money and £900 with Clear Your Finance, who I also think went into administration.

 

If you have an unenforceable agreement you can do it yourself, with help from other members of this site.

 

Regards

socleirigh

Sorry, I have to disagree. Humbleman probably would as well. Going to court against the lenders counsel is, in my opinion very dangerous. There are a few cases coming soon that, if they go against the lender, will help things greatly.

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