Ratio Two Limited

Reference number: 831681

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • Familio
  • familio.co.uk
  • Familio Loans

Company details

From the company's Companies House record.

Company number
10688741
Company status
Active
Company type
Private limited company
Incorporated
24 March 2017 (9 years old)
Registered office
This Workspace, 18 Albert Road, Bournemouth, BH1 1BZ, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Marc John Biles Director Aug 1981 24 Mar 2017
Tara Jane Mussell Director Jan 1986 24 Mar 2017

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Ratio Two Limited FCA authorised?
Yes, Ratio Two Limited (FRN 831681) is authorised by the FCA to carry out regulated activities.
Is my money safe with Ratio Two?
Protection depends on which product you hold and how Ratio Two handles your money, so check the specific product before you commit. You can also refer complaints about Ratio Two to the Financial Ombudsman Service, free of charge.
Is Ratio Two a scam or clone?
Ratio Two is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Ratio Two's Firm Reference Number (FRN)?
Ratio Two's FRN is 831681. You can verify it on the FCA register.