Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


The Consumer Forums

Welcome to The Consumer Forums.
Free support and advice to help you with your consumer problems

  1. CagMag Last Post

    The Consumer Forums Magazine. If you would like to contribute then let us know

    1. CagMag Contents:-

      Sub-Forums:

      1. Page One
      2. Videos
      3. Reviews
      4. FAQ and Guides

  2. The Consumer Forums: The Mall Last Post

    The Mall is the place to start browsing and begin to know your way around

    1. Welcome to the Consumer Forums

      (17 Viewing)

      Free advice and support to to solve your consumer problems.
      Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
      You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

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      • Threads: 18,583
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    2. FAQs

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      Frequently Asked Questions. Case guidance etc. Instructions on how you can Reclaim the Right------::::::-----------
      This forum will appear to be private if you are not registered. --- REGISTRATION IS FREE

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      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    3. Forum Rules - Please read before posting

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      Forum rules and other forum issues. You MUST read and agree these before reading or posting in this forum.

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      • Threads: 5
      • Posts: 7

      Last Post:

      FORUM RULES -... Go to last post

      by Andyorch

      23rd June 2016, 10:49

    4. Consumer Forums website - Post Your Questions & Suggestions about this site

      (8 Viewing)

      We are always interested in getting your feedback about the Consumer Forums website. Post Your Questions & Suggestions about this site's design here

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      • Threads: 1,043
      • Posts: 9,325

      Last Post:

      Book purchase Go to last post

      by maroondevo52

      14th July 2017, 22:52

    5. Campaign

      (19 Viewing)

      Are you interested in the bigger picture? Do you have definite ideas which you wish to contribute? Are you interested in campaigning in some way? Whether it is bank charges, PPI, the cost of gas/electric/food/travel etc - this is the place to share your ideas.

      Sub-Forums:

      1. e Petitions
      2. OFT Market Study on Personal Current Accounts
      3. OFT Test Case Updates and Discussion

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      Forum Statistics:

      • Threads: 625
      • Posts: 17,098

      Last Post:

      Bank Charges... Go to last post

      by Andyorch

      12th July 2017, 15:28

    6. Helpful Organisations

      (3 Viewing)

      Links to other sources of help. Please contact Admin if you want to add an entry

      Forum Actions:

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      • Threads: 17
      • Posts: 26

      Last Post:

      The Lullabye... Go to last post

      by honeybee13

      6th December 2015, 13:07

  3. Consumer TV and Radio Listings Last Post

    If you have spotted a relevant Television or Radio programme - or a relevant Youtube video, then please post the details here.

    1. Consumer TV and Radio Listings

      (1 Viewing)

      If you have spotted a relevant Television or Radio programme - or a relevant Youtube or Vimeo video, then please post the details here.

      Forum Actions:

      Forum Statistics:

      • Threads: 60
      • Posts: 285

      Last Post:

      Consumer Action... Go to last post

      by Andyorch

      9th March 2017, 12:11

  4. CAG Community centre Last Post

    1. CAG Community Centre Subforums:-

      (77 Viewing)

      Sub-Forums:

      1. Give up smoking - - here.
      2. Weight loss
      3. Make do and mend - What are your cost-cutting tips?
      4. eBook Readers - eReaders
      5. Bear Garden
      6. Buy and sell or exchange
      7. Spamming advertisers
      8. Technical Computer/IT/Console/SatNav Questions
      9. CAG Meets

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      • Threads: 9,352
      • Posts: 311,029

      Last Post:

      Angry Article 50... Go to last post

      by tobyjugg2

      Today, 10:54

  5. The Consumer Forums Blogs Last Post

    1. Consumer Forums Blogs

      Sub-Forums:

      1. Dealing with Money
      2. Latest Blog posts-
      3. Caggers' Blogs
      4. Off-Topic Blogs

    2. *** Start your new Blog here ***

  6. The Consumer Review Centre Last Post

    Please follow the links to see or to contribute to our reviews - Work in progress

    1. Review Centre

      Sub-Forums:

      1. General Reviews
      2. Consumer Rights Products
      3. Consumer Forums Book Store
      4. Computer Hardware
      5. Computer Services
      6. Computer Software
      7. Department Stores
      8. DIY / Home Improvement Products
      9. Financial Products
      10. Health Products
      11. Insurance Reviews
      12. Telephone Recorders
      13. Travel and Holidays

    2. *******Write a review here*******

  7. Banks, Loans & Credit Last Post

    The industry which you can no longer trust.

    1. Bank and Finance Subforums:-

      (477 Viewing)

      Post your story in an appropriate forum below

      Sub-Forums:

      1. Ulster Bank
      2. General
      3. Financial Ombudsman Service
      4. Scotland
      5. Payment Protection Insurance (PPI)
      6. Alliance & Leicester
      7. Barclays Bank
      8. Cooperative Bank
      9. Halifax Bank and Bank of Scotland
      10. HSBC Bank
      11. Lloyds Bank
      12. Loan brokers/credit brokers
      13. MBNA
      14. Metro Bank
      15. NatWest Bank
      16. Nationwide
      17. Royal Bank of Scotland
      18. TSB
      19. Santander
      20. Yorkshire Bank and Clydesdale Bank and Northern Bank
      21. A Word from the Banks

      Forum Actions:

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      • Threads: 80,587
      • Posts: 1,067,329

      Last Post:

      repone (recall)... Go to last post

      by dx100uk

      Today, 13:36

    2. Other Institutions

      (121 Viewing)

      Been subject of excessive unfair treatment by some other company? Banks, Building Societies, other companies? Discuss it here

      Sub-Forums:

      1. Creation Finance
      2. Provident and associated companies.
      3. CPP Group Plc
      4. Monument cards
      5. Amex
      6. Blemain Finance
      7. Capital One
      8. CitiCards/Citi Financial/Associates
      9. Egg
      10. M&S Cards
      11. Swift Advances
      12. Welcome Finance
      13. Store Cards
      14. Other Institutions Successes

      Forum Actions:

      Forum Statistics:

      • Threads: 11,376
      • Posts: 197,231

      Last Post:

      Irresponsible... Go to last post

      by flynnsmum123

      Today, 12:33

  8. Retail and Non-retail Goods and Services Last Post

    Come here to tell us about the problems you are experiencing on the High Street or in the Virtual High Street

    1. Non-Retail subforums

      (327 Viewing)

      Sub-Forums:

      1. Internet Piracy Claims and other bounty hunting activities
      2. The building trade and installers
      3. General Consumer Issues
      4. Insurance/Assurance Companies (Not Car Insurance)
      5. Pensions - including Pensions Fraud
      6. Local Authority, Council Tax and Business Rates Issues
      7. Residential and Commercial lettings/Freehold issues
      8. Students

      Forum Actions:

      Forum Statistics:

      • Threads: 24,150
      • Posts: 227,918

      Last Post:

      Party Wall... Go to last post

      by ericsbrother

      Today, 12:45

    2. Retail Subforums:-

      (347 Viewing)

      Sub-Forums:

      1. Cash4phones, DeviceBuyer and other mobiles to cash companies
      2. General Retail
      3. Argos
      4. BrightHouse and other "rent to own" Hire Purchase Stores
      5. Broadband and other Internet issues
      6. Comet
      7. Currys/Dixons
      8. Digital TV Services
      9. Gyms and Health Clubs
      10. Pets and Vets
      11. High Street Stores
      12. Holiday & Airline companies
      13. Mail order catalogues
      14. Online Stores
      15. PCWorld
      16. Utilities - Gas, Electricity, Water
      17. Postal and Delivery Services
      18. Retailers - High Street and On-line Stores Forums
      19. Telecoms - mobile or fixed

      Forum Actions:

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      • Threads: 24,227
      • Posts: 226,996

      Last Post:

      Rejection and... Go to last post

      by Surfer01

      Today, 13:24

  9. Work, Social and Community Last Post

    1. Work, Social and Community Subforums:-

      (444 Viewing)

      Sub-Forums:

      1. Employment and minimum wage problems
      2. Self Employment Issues and Questions
      3. Armed Forces, Military Families and Veterans
      4. Visas/Entry Clearance
      5. Cycling
      6. Retail loss Prevention/Other shoplifting allegations.
      7. Benefits and HMRC
      8. Homelessness
      9. Rural communities
      10. NHS
      11. Public transport (Trains, tubes and buses)
      12. Special needs, Disability etc

      Forum Actions:

      Forum Statistics:

      • Threads: 28,063
      • Posts: 331,198

      Last Post:

      Was a Self... Go to last post

      by ericsbrother

      Today, 13:19

  10. Motoring Last Post

    1. Motoring subforums

      (394 Viewing)

      Sub-Forums:

      1. General Motoring Issues
      2. Motor Insurance
      3. DVLA
      4. Garage services
      5. Private Land Parking Enforcement
      6. Speeding and Motoring Offences
      7. Local Authority Parking and Traffic Offences
      8. Vehicle retailers and manufacturers

      Forum Actions:

      Forum Statistics:

      • Threads: 21,207
      • Posts: 263,788

      Last Post:

  11. Legal Forums Last Post

    The area to discuss litigation in respect of claims issued against you or claims issued by you.

    1. Financial Legal Issues

      (132 Viewing)

      Help and guidance on dealing with court action by a creditor

      Sub-Forums:

      1. Legal Successes

      Forum Actions:

      Forum Statistics:

      • Threads: 12,598
      • Posts: 371,182

      Last Post:

      Arrows/restons... Go to last post

      by barafear799

      Today, 13:32

    2. General Legal Issues

      (43 Viewing)

      Help with general litigation issues which are not related to a claim by a creditor

      Forum Actions:

      Forum Statistics:

      • Threads: 1,672
      • Posts: 30,500

      Last Post:

      Angry Historic Debt -... Go to last post

      by mrdonj

      Today, 13:31

  12. Debt problems - including homes/ mortgages, PayDay Loans Last Post

    "Dealing with debt"
    You can choose any one of our debt forums to seek help or to give help on specific aspects of debt.

    1. Debt subforums:-

      (538 Viewing)

      Sub-Forums:

      1. Overseas Debt/Overseas Account issues
      2. Debt Management Plan Companies
      3. Debt management and Debt self-help
      4. Debt Collection Agencies
      5. Bailiffs - Help with Dealing with Bailiffs and Enforcement Agents including HCEO
      6. Credit Reference Agencies
      7. Log Book Loans / Bills of Sale
      8. Vehicle Finance and Vehicle Repossessions
      9. Mortgage companies
      10. Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs
      11. Dealing with Debt in Scotland
      12. Mortgages and Secured Loans
      13. Home Repossessions
      14. Effects of debt on Health and Lifestyle
      15. General Debt Issues

      Forum Actions:

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      • Threads: 70,098
      • Posts: 1,053,186

      Last Post:

      lowell Cap1 Card... Go to last post

      by Beckz1205

      Today, 13:35

    2. PayDay loan and other Short Term Loans subforum:-

      (91 Viewing)

      Sub-Forums:

      1. PayDay loans and Short Term loans - General
      2. Capital Finance One/ Mtcollect
      3. Cash Genie and associate companies
      4. Minicredit /Minicashloans
      5. Motormile Finance UK Ltd
      6. Payday Express/Wage advance/Cashtillpayday
      7. Quick Quid and associated trading names
      8. Safeloans UK
      9. Toothfairy Finance Limited
      10. Wageday Advanced Ltd/Yorkshire Cheques.
      11. Wonga and associated companies

      Forum Actions:

      Forum Statistics:

      • Threads: 4,763
      • Posts: 98,652

      Last Post:

      ICL / PDE / PDUK... Go to last post

      by Lady13

      Today, 13:29

  13. Latest Consumer News Last Post

    Find the latest consumer news stories here. We try to keep this section updated automatically and with the help of our Users.
    Please feel free to contribute your own interesting news items. - Please do not start personal threads in this forum....Media Stories only and please provide a source link.

    1. Media Subforums:-

      (114 Viewing)

      Sub-Forums:

      1. HMRC in the media
      2. FCA - Unauthorised firms and individuals to avoid
      3. Government Consumer Policy
      4. Benefits in the media
      5. Personal budgeting
      6. General Consumer issues in the media...
      7. The Huffington Post
      8. Bank Charges and the Finance Industry in the media...
      9. Credit Today
      10. Data protection and Credit reference Agencies in the media...
      11. Disability discrimination in the media
      12. Employment and self-employment
      13. Gas, Electricity Water: Utilities in the media
      14. Holiday and travel in the media
      15. Parking issues in the media
      16. Pensions and Pensions Fraud
      17. PPI in the media
      18. Repossessions in the media
      19. Which? Consumer News

      Forum Actions:

      Forum Statistics:

      • Threads: 26,770
      • Posts: 34,816

      Last Post:

      RSS feed First class... Go to last post

      by NewsBot

      Yesterday, 08:30

  14. CAG Library - you need to register to access the CAG library Last Post

    Letter templates and other documents

    1. Guides and advice on using the forum

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 21
      • Posts: 21

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    2. The Consumer Contracts Regulation

      Sub-Forums:

      1. The Consumer Contracts Regulations 2014

    3. Statutes & Legal Information

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 18
      • Posts: 28

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    4. Mortgages and Secured Loans

      Forum Actions:

      Forum Statistics:

      • Threads: 8
      • Posts: 16

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    5. Data Protection

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 10
      • Posts: 19

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    6. Debt Collection

      (6 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 26
      • Posts: 55

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    7. Legal

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 17
      • Posts: 23

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    8. The Consumer Rights Act 2015

      (72 Viewing)

      Sub-Forums:

      1. Introduction - ss.1-2 (Application and Key definitions)
      2. Goods - ss.3-32
      3. Digital Content - ss.33-47
      4. Services - ss.48-57
      5. GENERAL AND SUPPLEMENTARY PROVISIONS - ss.58-60
      6. UNFAIR TERMS - ss.61-76
      7. Enforcement etc ss.77-80
      8. Competition - ss.81-82
      9. Duty of letting agents to publicise fees etc - ss.83-88
      10. Student complaints scheme - s.89
      11. Secondary ticketing - ss.90-95
      12. General - ss.96-101
      13. SCHEDULE 1 Amendments consequential on Part 1
      14. SCHEDULE 2 Consumer contract terms which may be regarded as unfair
      15. SCHEDULE 3 Enforcement of the law on unfair contract terms and notices
      16. SCHEDULE 4 Amendments consequential on Part 2
      17. SCHEDULE 5 Investigatory powers etc.
      18. SCHEDULE 6 Investigatory powers: consequential amendments
      19. SCHEDULE 7 Enterprise Act 2002: enhanced consumer measures and other enforcement
      20. SCHEDULE 8 Private actions in competition law
      21. SCHEDULE 9 Duty of letting agents to publicise fees: financial penalties
      22. SCHEDULE 10 Secondary ticketing: financial penalties

      Forum Actions:

      Forum Statistics:

      • Threads: 120
      • Posts: 120

      Last Post:

      Never

    9. General Guidance

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 7
      • Posts: 27

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    10. Members of Parliament contact details - 1.6.2015 including Twitter

      (2 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 26
      • Posts: 26

      Last Post:

      You will need to register to enter these consumer forums
      Registration is FREE and very easy.

    11. The Taking Control of Goods Regulations 2013

      Sub-Forums:

      1. The Taking Control of Goods Regulations 2013

    12. Consumer Credit Sourcebook (Conc - FCA rules)

      Work in Progress

      Sub-Forums:

      1. Guidance on the duty to give information under sections 77, 78 and 79 of the Consumer Credit Act 197
      2. Senior Management Arrangements, Systems and Controls (SYSC)
      3. Conc 1 Application & purpose and guidance on financial difficulties
      4. Conc 3 Financial promotions and communications with customers (CONC 3)
      5. Conc 7 Arrears, default and recovery (including repossessions) (CONC 7)
      6. Credit reference agencies (CONC 9)
      7. Guidance on the duty to give information per ss. 77, 78, 79 Consumer Credit Act 1974 (CCA) (CONC 13)
      8. Transitional Provisions and Schedules (CONC transchedule)
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