"We tried to claim the charges back ourselves from Lloyds TSB who refused to budge, we didn't really know where to go from there, that was when we contacted Filipe ..."

Mr & Mrs Bamforth, 14th of May, 2007

CURRENT/BUSINESS ACCOUNT CHARGES - CREDIT CARD CHARGES - LOAN CHARGES - UNFAIR CREDIT AGREEMENTS - MISSOLD PPI - MIS-SOLD WHOLE OF LIFE INSURANCE

Ratio Money Ltd will simply send you a couple of forms for you to sign which enables them to take the claim over in its entirety thereby resulting in you needing to do nothing during the claim process.

Using their fully automated system, their staff will liaise directly with the bank on your behalf. If that does not result in a satisfactory resolution then they will make an official complaint to the Financial Ombudsman Service on your behalf. If that does not result in a satisfactory result, they will use the courts. They will collect and account to you the final refund. They will update you at key points throughout the process.