We have now teamed up with Ratio Money Ltd.

The skills, knowledge, capacity and resources we both bring to the table enables us to provide an UNBEATABLE service to our customers.

Benefits include:

• NO CASH REQUIRED
  You pay nothing up front for Ratio Money Ltd to process the claim (with exception of Unfair Credit Agreements. See Unfair Credit Agreements.) They will even arrange payment of their invoice for you by deducting 20%+VAT from the final refund. It couldn't be easier! You may have to pay up to £10 for statements depending on the bank's fees.
• EXPERIENCED
  Superior claims handling expertise built from years in the claims management industry.
• NO FUSS
  A 'No Fuss' service as all cases are handled, from start to finish by Ratio Money Ltd, with minimum input required from clients. All you have to do is sign and return some forms.
• FAST
  Faster case turn-around due to larger staffing resources and the automated processes they have in place.
• HIGHER REFUNDS
  Higher average refunds due to contractual interest being claimed in bank charge claims (does not apply to credit card claims).
• VALUE
  Great value for money. Ratio Money Ltd only charge 20% + VAT (£235 of every £1000 refunded) which is cheaper than the industry average of 25% + VAT (£293 of every £1000 refunded)

Bank Charges Cases
(this does not relate to all other types of claim, eg credit card charges, etc.)

In light of the OFT's decision to drop their case against the bank re unfair bank charges we are no longer accepting cases for that particular type. For more info, please see http://news.bbc.co.uk/1/hi/business/8425766.stm

We are still accepting cases for unfair credit card charges, unfair loan/mortgage charges, Mis-sold Payment Protection Insurance and Unfair Credit Agreements.