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:

        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

      (7 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: 18,582
      • Posts: 63,863

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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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      • Threads: 7
      • Posts: 43

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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

      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:

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

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

      Forum Actions:

      Forum Statistics:

      • Threads: 1,049
      • Posts: 9,434

      Last Post:

    5. Campaign

      (2 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:

        Sub-Forums:

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

      Forum Actions:

      Forum Statistics:

      • Threads: 623
      • Posts: 17,003

      Last Post:

    6. Helpful Organisations

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

      Forum Actions:

      Forum Statistics:

      • Threads: 17
      • Posts: 26

      Last Post:

  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:

  4. CAG Community centre Last Post

    1. CAG Community Centre Subforums:-

      (33 Viewing)

      Sub-Forums:

        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

      Forum Actions:

      Forum Statistics:

      • Threads: 9,478
      • Posts: 313,260

      Last Post:

  5. The Consumer Forums Blogs Last Post

    1. Consumer Forums Blogs

      Sub-Forums:

        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:

        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:-

      (221 Viewing)

      Post your story in an appropriate forum below

      Sub-Forums:

        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:

      Forum Statistics:

      • Threads: 81,152
      • Posts: 1,087,092

      Last Post:

    2. Other Institutions

      (42 Viewing)

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

      Sub-Forums:

        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: 11,542
      • Posts: 203,767

      Last Post:

  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

      (151 Viewing)

      Sub-Forums:

        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: 24,472
      • Posts: 232,754

      Last Post:

    2. Retail Subforums:-

      (194 Viewing)

      Sub-Forums:

        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:

      Forum Statistics:

      • Threads: 25,219
      • Posts: 239,769

      Last Post:

  9. Work, Social and Community Last Post

    1. Work, Social and Community Subforums:-

      (248 Viewing)

      Sub-Forums:

        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: 28,877
      • Posts: 341,041

      Last Post:

  10. Motoring Last Post

    1. Motoring subforums

      (230 Viewing)

      Sub-Forums:

        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: 22,243
      • Posts: 282,463

      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

      (54 Viewing)

      Help and guidance on dealing with court action by a creditor

      Sub-Forums:

        Sub-Forums:

        1. Legal Successes

      Forum Actions:

      Forum Statistics:

      • Threads: 12,868
      • Posts: 381,161

      Last Post:

    2. General Legal Issues

      (30 Viewing)

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

      Forum Actions:

      Forum Statistics:

      • Threads: 1,971
      • Posts: 36,478

      Last Post:

  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:-

      (256 Viewing)

      Sub-Forums:

        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:

      Forum Statistics:

      • Threads: 70,023
      • Posts: 1,051,430

      Last Post:

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

      (42 Viewing)

      Sub-Forums:

        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/Lantern,
        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: 4,913
      • Posts: 100,827

      Last Post:

  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:-

      (16 Viewing)

      Sub-Forums:

        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: 28,050
      • Posts: 36,243

      Last Post:

  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

      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:

        Sub-Forums:

        1. The Consumer Contracts Regulations 2014

    3. Statutes & Legal Information

      Forum Actions:

      Forum Statistics:

      • Threads: 19
      • Posts: 34

      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: 9
      • Posts: 17

      Last Post:

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

    5. Data Protection

      (1 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 6
      • Posts: 11

      Last Post:

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

    6. Debt Collection

      (3 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 29
      • Posts: 60

      Last Post:

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

    7. Legal

      Forum Actions:

      Forum Statistics:

      • Threads: 16
      • 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

      Sub-Forums:

        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

      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

      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:

        Sub-Forums:

        1. The Taking Control of Goods Regulations 2013

    12. Consumer Credit Sourcebook (Conc - FCA rules)

      Work in Progress

      Sub-Forums:

        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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