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Raleigh made full chrome/painted frames like this in the 80's (I bought one for a friend last weekend and we just stripped it back to full chrome. It's typical Raleigh spec kit, but the cantilvers and the lugs suggest maybe something more French/Belgian?
Could have been a cyclocross bike at some point.
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Not with Ridgeback. I've no idea what their warranties are like. I've had 4 Treks though, mainly because my mate services them and he's kicked off for me. His advice is to vastly undereport the abuse the bike has taken, and obviously the miles.
Otherwise they might well hit you up with 'excessive wear and tear'.
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Also, looking at the condition of the chrome in places is definitely been part painted at some point. The wheels are much better than the rest of the components, and the frame is likely Columbus/Vitus quality steel if its French/Belgian.