What kind of torrent are you trying to download? With your ratio you can only download ratio free torrents(music, docus, sports). If you are trying to download anything else, it wont work.

If the error is occurring with the ratio free torrents than delete the torrent from the client (utorrent) and re-add it on. Also you could stop it and start it again, or close the client and re-start it.

Try this and let me know. Hope this helps.