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.


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)

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  1. Watch this man's campaign on extortionate fuel prices

  2. PayPal is NOT secure

    I'm new to all this and hope I'm doing the right thing.......... I wish to make people aware of the dangers of using paypal. I have made a youtube video which I think is worth a watch. I don't think I can leave a link to this video but I'm sure you can find it at youtube by it's title, "PayPal is NOT secure"
    many thanks, Les
  3. Csa help

    I won't bore you allwith my story but from experience the only wayyou can get anywhere with them people is bydoing it allyourself like me. I am currently in talkswith mpsand the ombudsmanif anyoneneeds help letme know
    Dealing with money
  4. The joy of Tax

    Just for the sake of being complete - I just used the income checker tool on the moneysavingexpert website:

    Year Month Week
    Gross Wage £20,280 £1,690 £390
    Taxable Wage £11,695 £975 £225
    Tax Paid £2,339 £195 £45
    Tax Free Allowance £8,105 £675 £156
    National Insurance £1,523 £127 £29
    Take-home ...
  5. About face...

    Well once more life has turned around - I'm about to become a full time single parent again as my ex has had his turn and is struggling with the realities of dealing with a pubescent pre-teen emo her so! Can't wait, but to be perfectly honest I am quaking at the prospect too. Will I have any more success than him in curbing the wayward tendencies?

    On the financial side I now have to juggle working full time with figuring out child tax credits and all that ...
  6. Debt Diaries: Become Debt Free in Ten Steps - Step Ten - Frequently Evaluate Your Situation

    Ensuring that your debts remain under control is a task which requires a pro-active approach. It is usually the case that your financial circumstances will change as time goes by. These changes will have a knock-on effect with your personal budget. To ensure that the arrangements with your creditors do not fail it is vital to ensure that you frequently revise your income and expenditure so that you can adapt. At the moment fuel costs are slowly increasing, this places additional pressure on your ...
  7. Debt Diaries: Become Debt Free in Ten Steps - Step Nine - The Perils of Consolidation

    Many people with multiple credit debts often feel that a consolidation loan is the right solution to help them manage their payments. On paper it sounds like a great idea – one manageable monthly instalment which is often a great deal lower than all of the current payments combined. Pre-credit crunch television advertising was awash with various lenders offering these amazing solutions, some employing celebrities to endorse their various products. Many of these companies targeted home-owners citing ...
  8. Debt Diaries: Become Debt Free in Ten Steps - Step Five - Priority Debts

    It is possible to categorise any type of debt in to one of two types. Priority debts are the more important ones as non-payment of these could cause you to lose something. Examples of priority debts include mortgageicon or rent arrears, council tax arrears, utility arrears (if the arrears are with your current provider) and magistrates’ court fines. Some priority debts come with somewhat draconian enforcement possibilities, some can even lead you to prison for non-payment. You should always ensure that ...
  9. Debt Diaries: Become Debt Free in Ten Steps - Step Six - Non-Priority Debts & Self-Negotiation

    Non-priority debts are usually credit debts such as unsecured loans, credit cards, overdrafts and catalogues. These debts are usually the ones which are the easiest to get affordable arrangements with. The reason credit debts are known as non-priorities is due to the fact that the creditors are relatively limited in relation to the powers that they have to recover money from you. The creditors cannot remove something from you as a ploy to get their money. As an example, if you don’t pay your mortgageicon ...

    Updated 17th November 2011 at 16:22 by debt diaries

    Tags: debt Add / Edit Tags
    Caggers' Blogs , Dealing with money
  10. Debt Diaries: Become Debt Free in Ten Steps - Step Three - Personal Budget Sheet

    The single-most important step when dealing with debts is to ensure that you work to a realistic personal budget. This should ensure that you have enough money from your income to cover your essential outgoings such as housing costs, bills, groceries, travelling costs, clothing and health-related costs. Once you have calculated how much these outgoings amount to you can see what is left to offer your creditors. The greatest mistake that is made by individuals is that they ensure that they ensure ...
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