Jump to content
  1. The Consumer Forums: The Mall

    1. Welcome to the Consumer Forums

      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.

    2. FAQs

      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

    3. Forum Rules - Please read before posting

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

      Welcome to CAG Radio - your Podcast Pressure Group. Remember - you heard it here first - and this is where you heard it. Contribute your CAG Radio CAGCast here

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

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

    6. Campaign

      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.

    7. Helpful Organisations

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

    1. 314,448
  3. Consumer TV and Radio Listings

    1. Consumer TV and Radio Listings

      If you have spotted a relevant Television or Radio programme - or a relevant Youtube or Vimeo video, then please post the details here.
  4. CAG Library - you need to register to access the CAG library

    1. 492
  5. Banks, Loans & Credit

    1. 1,113,194
    2. 206,975
  6. Retail and Non-retail Goods and Services

    1. 235,233
    2. 243,169
  7. Work, Social and Community

    1. 344,110
  8. Debt problems - including homes/ mortgages, PayDay Loans

    1. 101,219
    2. 1,055,768
  9. Motoring

    1. 287,913
  10. Legal Forums

    1. 433,307
  11. Latest Consumer News

    1. 36,580

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...