Jump to content



  • Tweets

  • Posts

    • Wayne Ting, chief executive of e-scooter firm Lime, says there's room for improvement. View the full article
    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
  • Our picks

Please note that this topic has not had any new posts for the last 2870 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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!

Link to post
Share on other sites
  • Replies 300
  • Created
  • Last Reply

Top Posters In This Topic

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites
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

Link to post
Share on other sites

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

Link to post
Share on other sites

socleirigh did you receive a Default Notice & has it been checked over?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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 ?

Link to post
Share on other sites

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.

Link to post
Share on other sites

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).

Link to post
Share on other sites

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

Link to post
Share on other sites
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

Link to post
Share on other sites
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.

Link to post
Share on other sites
Too Late. RM is in administration and I have heard that TCW is next. Too many customers will want their refund.

 

Can you please confirm where you found this information?

Link to post
Share on other sites
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.

Link to post
Share on other sites
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?

Link to post
Share on other sites
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

Link to post
Share on other sites
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.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...