Structuring tool, not legal advice. Ratio helps you prepare — your notes stay private and a solicitor gives the advice.
A creditor is demanding payment you dispute, or someone owes you money and won't pay. We structure the contract trail, the defences the law gives you, and the formal notice periods that must run before court.
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Free and confidential. No legal knowledge needed.
The most common debt issues people bring to Ratio.
Composite cases drawn from common debt matters. Names changed; facts representative.
Freelance designer; client ghosted after the final deliverable. Six months of chase emails unanswered.
OutcomeRatio produced a compliant 30-day letter before action with interest calculated under the Late Payment of Commercial Debts Act.
Creditor chasing a seven-year-old debt with no payments or written acknowledgments since 2018.
OutcomeRatio flagged the statute-barred defence and organised bank statements proving no acknowledgment within six years.
Enforcement agents threatened to force entry over a disputed parking ticket. Original fine never served properly.
OutcomeService history and proportionality issues structured for a Stage 2 complaint and CCJ set-aside application.
1–2 hours at first appointment
15 minutes of preparation
The statutes, limitation periods, evidence, and pathway you need to know.
6-year limitation for simple contracts
County Court jurisdiction and procedure
Enforcement powers
Regulated credit agreements
Demand payment with 30-day deadline
File county court claim via Money Claims Online or N1
If no response, request default judgment
Warrant of control, attachment of earnings, or charging order
Knowing the common defences lets you collect the right evidence early.
Debts become unenforceable after 6 years if no payments or acknowledgments
How to answerPayment records showing last payment date within 6 years
Debtor may dispute the outstanding balance
How to answerComplete payment records, invoices, and account statements
Credit agreements may be unenforceable if not properly executed
How to answerOriginal signed agreement and compliance with Consumer Credit Act 1974
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.
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Free and confidential. No legal knowledge needed.
Generally yes for simple contracts, provided you haven’t paid toward it or acknowledged it in writing inside the last six years. Court judgments are different (12 years).
The Pre-Action Protocol for Debt Claims requires 30 days’ notice before issuing — skipping it risks costs penalties. Ratio produces a compliant letter from your facts.
Yes, under the Late Payment of Commercial Debts (Interest) Act 1998 for B2B debts (8% above base plus a fixed sum), or at the county-court rate (normally 8%) for consumer debts.
A County Court Judgment (CCJ) is a court judgment you can enforce. A statutory demand is a formal debt demand that can trigger bankruptcy. Ratio explains which applies to your situation.
You usually don’t have to let them in (except for criminal fines). Ratio flags enforcement-agent rights and helps you structure a Stage 1 complaint or CCJ set-aside.
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.