This website is owned by Reclaim The Right Ltd and operates under the names Consumer Action Group and Bank Action Group - referred to here simply as "The Group".
Please be aware that all advice here is provided informally by concerned volunteers.
The Group holds out no particular expertise or qualification.
It is not responsible for the views or actions of its Users who post here.
The Group makes no guarantee of the accuracy of any of the advice or information which is provided on these pages and you are advised to apply your own judgement at all times or contact a qualified professional.
The Group is merely a campaign and support group.
Above all else, use your common sense, be respectful and reasonable to people and companies.
Bank and other company staff: Whether you like them or not, they are just doing their job. Please do not refer to these people in any personal insulting or offensive way. They are not the policymakers in their organisations and are only doing a job.
Please understand that The Group has been formed by concerned volunteers. However, we do acknowledge the kind help of the very generous individuals who contribute to the site by way of donations.
If you feel that you would like to contribute to the expenses then please use the "Donations" button at the top of each page or contact Admin.
Despite the use of the word "Member" from time to time as embedded in the forum software, there is no membership and persons registered with this group are Users and enjoy no rights of membership. Users are extended the facility of this forum at the discretion of The Group organisers. All users of this forum, including Moderators, are just that, users. They are not associated with The Group or it's founders - their actions are entirely their own and The Group cannot be held responsible for their actions. The Group's founders are BankFodder and Dave.
What are Moderators?
Our Moderators are here to monitor and where necessary move, edit, lock or delete topics/posts in order to protect the good of The Group.
If a topic/post is moved, edited, locked or deleted... it will not be a personal attack on you. It will only be as a result of the guidelines below and will always put the site first. If you attempt to re-post information that has been unapproved then you will be in breach of the rules yourself and subject to further action as deemed appropriate.
A topic/post will be edited or deleted if it contains:
* Xenophobia, racism or personal abuse.
* Pornography, links to Pornography or links to other inappropriate sites
* Sexually explicit content
* Touting for business in any way
* Offering to advise members by PM or email without good reason - If it is felt that a subject is "sensitive" and would be better discussed off-forum, we ask that members contact a member of the site team BEFORE asking for contact details. This rule is in place to protect our members from claims touts, and also to ensure that any advice given is open to debate, qualification, and where necessary, correction.
* Any form of unauthorised advertising or Spam
* Advertising or sale of illegal bootleg material
* Any type of pyramid selling or referral schemes
* Anything invasive in to a persons privacy
* Any copyright-infringing content
* Obvious disregard for the interests of The Group
* Illegal/defamatory statements
* Swearing. Whilst censored, mild versions of swearing (e.g. s**t) can sometimes be considered OK, offensive or over use of will be moderated. Any deliberate circumvention of the swear word filter is prohibited. If you are unsure what constitutes swearing, don't type it
* Incitement to a "flame war"
* Any attempts to avoid moderation
Topic/post editing will often be visible... if a message is edited the date/time/moderator will normally be shown in the topic/post.
The Group reserves the right to delete or edit any topic/post for legal or any other reasons.
A topic/post will be locked if:
* There is persistent abuse of the points noted above
* It contains unacceptable behaviour or anti community spirit
* It contains totally off-topic discussion
* It contains content that is not salvageable by editing the topic/post.
A topic/post will be moved if:
* The topic clearly belongs in another forum
* The posts in a topic move on to a subject more appropriate to another forum
What is 'potentially libellous'?
'Potentially libellous' is the term used to describe anything that cannot be proven by hard fact and something that may be considered damaging to the reputation of any individual, company or organisation.
Due to legal complications The Group could be considered liable for comments posted by Users - The Group must therefore practice continued and consistent due-diligence to protect against potential legal action.
This may mean deleting or editing topics/posts containing this kind of content and taking the best action to stop anything 'potentially libellous' being posted in the first place. For this reason any 'potentially libellous' content may be deleted immediately without warning or explanation.
The Group will not enter into discussion about its choices in these matters and the decision of the Moderator or Administrator will be considered final.
Be aware that the poster of a defamatory statement could also become liable for legal action.
Entry by Banks and their staff is prohibited. Banks will be allowed to enter the forum so long as they have permission from the Administrators.
Ignoring this rule is, in our opinion, a breach of the Computer Misuse Act 1990 - Section 1b.
Racist topics, posts or comments:
* The Group will not tolerate racist comments - no matter how innocent the comment may be.
* Repeated posting of racist topics, posts or comments will result in the User being banned from the forum, and/or potentially more serious action being taken.
Hijacking
Please don't hijack someone else's thread, no matter how closely their story resembles yours. Start a thread specific to your case - that way it is easier for people to keep track of and thus offer you better help.
Copyright Information
All information contained in this forum (and associated web sites) are copyright Reclaim The Right Ltd.
If you wish to use the information on this site for publication elsewhere, then please email the administrators for permission.
If we are asked by an organisation to remove ANY defamatory or potentially defamatory posts - then we will do so immediately.
Account restrictions
There are various options available to the Site Team when dealing with users who have broken site rules. Individual posts may be unapproved, the PM facility withdrawn, Account Moderation or, in more serious instances, a ban.
If any action is taken against you, any attempt to bypass moderation will result in a ban.
It is also forbidden to share your account log-in details with another user, or to use another person's account to gain entry to the site. The Administrators reserve the right to place account restrictions on any user who permits others to access the site using their account.
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RULES RELATING TO COMMERCIAL AND NON-COMMERCIAL LINKS AND POSTINGS
If you sell products or services, you must not initiate posts or discussion on, or refer to, your business. You may also not discuss product pricing or availability of products.
Advertising or soliciting for any activity that may be construed as commercial is not allowed. Examples of this would include (but are not limited to):
Claims management services.
Premium telephone lines.
Websites / Companies that sell legal advice or documents.
Traders (retail or wholesale) not specifically approved by CAG.
Websites that purport to offer "free" advice, but in reality require payment to access information, or are conduits for claims management or any other commercial enterprise.
Links to non-commercial and free advice sites are permitted, provided they are not posted by the owners of the site concerned, and that there is no direct financial gain involved with the recommendation.
Site owners may be allowed to publicise their site, however before any post is made, they should first seek permission from the Site Management by sending an email to admin@consumeractiongroup .co.uk giving full details, and a link to the site concerned. Any posts made pending a decision will be moderated.
Any posts outside the scope of these rules may be edited or deleted without warning. CAG also reserves the right to remove any link posted on this site at the sole discretion of the site management. For the avoidance of doubt, this policy also includes links posted within a user profile or signature.
Please note that if you do post any advertisements in breach of the above you are likely to be put onto moderation, this means that any future posts you make will need to be cleared by a moderator first before it appears on the forums.
Continued disregard for these rules will result in membership being cancelled.
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All of the above rules and guidance also relate to the use of our Personal Message (PM) facility.
Forum rules. Please read these before posting 
