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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CAGgers retell some of their own experiences asserting their Consumer Right.

  1. Elite Real Turbo Muin Fluid Direct Drive Trainer

    I've been itching to buy trainer the a long time.
    I've had an exercise bike for a few years but I was getting fed up with it, partly because bits of it was time to wear out but also because it didn't really replicate cycling at all well.
    I was looking for a trainer and although I really wanted something that is generally compatible and in the majority, I was put off by the noise tests of the Wahoo Kickr and most of the other more common trainers.
    In the end, I saved up ...
    Caggers' Blogs
  2. Fwench mobile phone service is far far worse than in the UK!!!

    You couldn't imagine that it is true , could you - but it is.
    Believe me - almost every kind of company is more difficult or more unpleasant or more stupid to deal with than British ones.

    For various reasons I have a Fwench mobile phone contract. (and a UK one!)

    There is very little competition in France. They don't like it.

    For a while I had one with orangeicon. For the first 6 months they never delivered my telephone on my 12 month contract. It took ...
  3. My Kitchen Nightmare

    The story so far..

    In January 2013, my friend and I visited a shop in Berkhamsted called Custom Kitchens and Bedrooms Ltd to enquire about a new kitchen for my home.

    We’d already visited a number of other kitchen shops, from John Lewis and Habitat, to Howden’s and Wren’s, to smaller outlets. None of the designs so far struck us as anything special. In fact, one nationally-known company even submitted a design with cupboards that covered my kitchen’s only ...

    Updated 29th March 2014 at 18:03 by Jon Danzig (updates)

    Caggers' Blogs , Off-topic blogs
  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. If you exercise - then you really need a Heart Rate Monitor

    If you do structured exercise - meaning regular exercise either in a gymicon, or on a machine - or outside, walking, running or swimming etc as part of a programme in which you have goals to reduce weight, improve heart function etc - then quite frankly, you need a heart rate monitor and you need to understand the principles behind it, why you are using it and how to use it.

    I don't think that it is possible to undertake a structured exercise programme without an HRM.

  7. 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 ...
  8. 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 ...
  9. 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 ...
  10. 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
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