Structuring tool, not legal advice. Ratio helps you prepare — your notes stay private and a solicitor gives the advice.
The goods were faulty, the service substandard, or the refund refused. We structure the purchase evidence, your rights under the Consumer Rights Act 2015, and the options for a card chargeback or a small-claims court application.
Or pick one:
Free and confidential. No legal knowledge needed.
The most common consumer issues people bring to Ratio.
Composite cases drawn from common consumer matters. Names changed; facts representative.
Leather cracked within eight weeks. Retailer refused a refund and offered a repair that took 11 weeks and failed again.
OutcomeRatio structured the short-right claim timeline so she could issue at the small-claims track with photos and correspondence indexed.
Paid 60% upfront for a loft conversion. Builder stopped showing up after tear-down and went silent on calls.
OutcomeContract, photos of incomplete work, and payment records assembled for a letter before action under pre-action conduct.
Advertised as ‘5-star beachfront’; turned out to be a building site with no sea view. Tour operator refused refund.
OutcomeBrochure screenshots, ABTA complaint, and day-by-day diary structured into a package-travel claim file.
1–2 hours at first appointment
15 minutes of preparation
The statutes, limitation periods, evidence, and pathway you need to know.
Goods, services, and digital content standards
Distance selling and cancellation rights
Implied terms in sale of goods (B2B)
False statements inducing contracts
Write to the other party setting out the issue
Formal letter warning of court proceedings
Consider alternative dispute resolution
File county court claim (online or N1 form)
Small claims hearing (under 10,000) or fast track
Knowing the common defences lets you collect the right evidence early.
Seller may argue the goods met the required standard at point of sale
How to answerPhotos, expert reports, or evidence that the fault was inherent not caused by use
Seller may claim misuse or improper handling
How to answerUsage records, manufacturer guidelines, and evidence of normal use
Under CRA 2015, the seller has one opportunity to repair or replace
How to answerEvidence that repair/replacement was inadequate or refused
Talk to The Usher, or jump straight into structured intake.
Ratio asks plain-language questions in the right order. At the end you get a matter file with your facts, parties, timeline, evidence, and the legal framework — ready to take to a solicitor. It is not legal advice.
Or pick one:
Free and confidential. No legal knowledge needed.
Yes. After the short right, the Consumer Rights Act 2015 gives you a right to repair or replacement, and eventually a price reduction or final refund. Ratio maps which stage you’re at.
Yes — CRA 2015 covers services (must be performed with reasonable care and skill) and digital content. Different evidence matters (e.g. service history, promises made before contract).
Section 75 of the Consumer Credit Act gives you a joint claim against the card issuer for purchases between £100 and £30,000. Ratio flags this route and structures the section 75 complaint.
Small claims is part of the County Court — same jurisdiction, simpler procedure, limited costs. Claims up to £10,000 usually stay on the small-claims track.
Six years from the breach for contract claims (three for negligence). Ratio calculates limitation for you based on what you tell it.
Free to begin. No account required. Most clients complete their file in about 14 minutes.
Or pick one:
Free and confidential. No legal knowledge needed.
Safeguarding support is built in — if something urgent comes up we flag free help (Shelter, Samaritans, 999) before anything else.