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Welcome to the CONSUMERS' FORUM (formerly The Penalty Charges Forum).

If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed.

CONSUMERS' FORUM (formerly The Penalty Charges Forum)

Welcome to the CONSUMERS' FORUM (formerly The Penalty Charges Forum).

  1. Forum RULES, FAQs & New Member Introductions -
    Please can ALL MEMBERS read the Forum RULES before posting (THANK YOU)

    Includes: FAQ's & New Member Introductions

    Title
     
     
    Last Post

    1. Introduction Forum

      (2 Viewing)

      introA place for new member to introduce themselves.

      Sub-Forums:

      1. How did you find this site,
      2. Site Volunteers (have you a skill you can offer)

      Forum Actions:

      Forum Statistics:

      • Threads: 609
      • Posts: 4,072

      Last Post:

    2. Forum RULES

      rules PLEASE CAN ALL MEMBERS READ THE FORUM RULES BEFORE POSTING (THANK YOU)

      Forum Actions:

      Forum Statistics:

      • Threads: 9
      • Posts: 9

      Last Post:

      Privacy Policy

      by stephen1976

      28-10-2008, 07:20 PM

    3. FAQs == PLEASE READ THESE!!! ==:Please register to enter

      FAQ PLEASE READ this section before asking a question? If the answer is not here then ask.

      Forum Actions:

      Forum Statistics:

      • Threads: 48
      • Posts: 500

      Last Post:

      Private
     

  2. Master Library -
    Please read ALL this section, all letters you need are here.

    Title
     
     
    Last Post

    1. Master Library

      Master LibraryContains anything that is generic across all sections

      Sub-Forums:

      1. Channel Islands & IOM Library,
      2. Consumer Centre Library,
      3. England & Wales Library,
      4. Harrassment Library,
      5. Northern Ireland Library,
      6. PPI Library,
      7. Scotland Library,
      8. Banks T&C (This forum is ONLY for T&C),
      9. Other Usefull Letters & Templates,
      10. County Court Forum,
      11. Case Law /Common Law,
      12. Going to Court,
      13. Statement (requested)

      Forum Actions:

      Forum Statistics:

      • Threads: 156
      • Posts: 256

      Last Post:

      Private

    2. ALL NEW POC’s & GUIDE FOR BANK CHARGES

      pocsparkle

      Forum Actions:

      Forum Statistics:

      • Threads: 20
      • Posts: 38

      Last Post:

      Private

    3. Archive Library

      libAll old and out of date Template letters and POC’s

      Forum Actions:

      Forum Statistics:

      • Threads: 17
      • Posts: 23

      Last Post:

      Private
     

  3. General Chat Forum -
    Please use relevent forums for Bank issues

    Title
     
     
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    1. General Chat

      (3 Viewing)

      chatPLEASE if you want to talk about a BANK, USE the correct forum. PLEASE start your OWN thread for a new topic and DO NOT HIJACK an existing member's thread. THANK YOU

      Sub-Forums:

      1. Suggestions for improvement,
      2. IT Technical Help & How To Guides,
      3. Give Up Smoking Forum,
      4. WeightLoss Lounge

      Forum Actions:

      Forum Statistics:

      • Threads: 2,752
      • Posts: 17,029

      Last Post:

     

  4. News Forum & Success Stories -
    News in the Press and Penaltycharges News

    Title
     
     
    Last Post

    1. Press News and Announcements

      (9 Viewing)

      News papers This section is for any Press Article or any Press Release

      Sub-Forums:

      1. The Consumers' Forum Press Release,
      2. A Word From The Banks,
      3. Outstanding CCJ'S Against Banks,
      4. Banks Dirty Tactics

      Forum Actions:

      Forum Statistics:

      • Threads: 1,692
      • Posts: 8,785

      Last Post:

    2. The Consumers' Forum News Letter ( SUBSCRIBE HERE)

      News Letter SUBSCRIBE HERE

     

  5. VIP FORUM

    Title
     
     
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    1. VIP area

      Vip
      VIP Donators, Your forum just a little "Thank You" from us

      Sub-Forums:

      1. THE LOUNGE,
      2. Poets Corner,
      3. The Music Sanctuaries ,
      4. And the funny stuff

      Forum Actions:

      Forum Statistics:

      • Threads: 1,766
      • Posts: 36,295

      Last Post:

      Private
     

  6. The Consumers' Choice

    Title
     
     
    Last Post

    1. The Consumers' Forum Blue Spiral Award

      Award

      Forum Actions:

      Forum Statistics:

      • Threads: 1
      • Posts: 2

      Last Post:

    2. The Consumers Choice

      smile Been amazed by the service you received? Then let all consumers know, in our new consumers’ choice section. The company that is recommend the most could win the prestigious “Blue Spiral Award”.

      Sub-Forums:

      1. Banks,
      2. Catalogue Companies,
      3. Council,
      4. Credit Card Provider,
      5. Garage/MOT provider,
      6. Health Care Provider,
      7. Holiday companies,
      8. Independent Retailers,
      9. Insurance provider,
      10. Landlord,
      11. Large Retailers,
      12. Telephone Provider,
      13. Utility Suppliers
     

  7. MONEY SAVING FORUM - A place for members to share any tips or offers.

    Title
     
     
    Last Post

    1. Shopping- vouchers and rewards

      rewardsThe latest offers

      Forum Actions:

      Forum Statistics:

      • Threads: 2
      • Posts: 3

      Last Post:

     

  8. Parking Tickets, PCN's & Motoring Offences Forum -
    For all matters relating parking ticktes (PCN), and any other motoring offences.

    Title
     
     
    Last Post

    1. Success Stories for - Traffic Offences

      champ

      Forum Actions:

      Forum Statistics:

      • Threads: 43
      • Posts: 51

      Last Post:

      Private

    2. Traffic Forum - NEWS

      carnewsThis section is for any Traffic Press Article or any Press Release
      Do not use this forum for questions

      Sub-Forums:

      1. Adjudications Past and Present

      Forum Actions:

      Forum Statistics:

      • Threads: 49
      • Posts: 111

      Last Post:

      Private

    3. Traffic Offences

      Taffic Offences Got a parking or speeding ticket? Been clamped? Discuss it here.

      We do not condone “deliberately” breaking driving regulations or being bad mannered to the authorities.

      Sub-Forums:

      1. Bus Lanes,
      2. Private Parking

      Forum Actions:

      Forum Statistics:

      • Threads: 881
      • Posts: 9,941

      Last Post:

      Private
     

  9. Employment Law Forum

    Title
     
     
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    1. Employment Law General Forum

      Employment

      Sub-Forums:

      1. Business Transfers and TUPE,
      2. Discipline, Grievances & right to be accompanied,
      3. Discrimination,
      4. Dismissal ,
      5. Pay, Benefits and Tax

      Forum Actions:

      Forum Statistics:

      • Threads: 17
      • Posts: 53

      Last Post:

      Private
     

  10. Consumer Law Centre -
    For all matters relating to general consumer issues.

    Title
     
     
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    1. Success Stories for Consumer Centre

      (2 Viewing)

      trophy

      Sub-Forums:

      1. Bank Charge Reclaims,
      2. For - Bailiffs,
      3. For - Catalogue Complaints ,
      4. For - Debt Collection Agencies,
      5. For - eBay / PayPal,
      6. For - Holiday Companies,
      7. For - Insurance Companies,
      8. For - Landlords & Tenants ,
      9. For - Mortgages & Endowments,
      10. For - Telephone Companies,
      11. For - Utility Suppliers,
      12. Everthing Else

      Forum Actions:

      Forum Statistics:

      • Threads: 1,547
      • Posts: 1,636

      Last Post:

      Never

    2. Consumer Centre Guide

      guide Consumer Centre Guide.

      Sub-Forums:

      1. Common Law / Statutes Library,
      2. Misrepresentation, Case Law and Statute

      Forum Actions:

      Forum Statistics:

      • Threads: 41
      • Posts: 71

      Last Post:

      Private

    3. General Debt Discussion

      debtchat Discussion and support around general debt problems.

      Forum Actions:

      Forum Statistics:

      • Threads: 612
      • Posts: 5,729

      Last Post:

      Private

    4. Bailiffs

      Bailiffs Discuss anything to do with bailiffs and their practices here.

      Forum Actions:

      Forum Statistics:

      • Threads: 34
      • Posts: 184

      Last Post:

      Private

    5. Catalogue Complaints

      Cat For issues with catalogues and other mail order shopping.

      Forum Actions:

      Forum Statistics:

      • Threads: 431
      • Posts: 5,339

      Last Post:

      Private

    6. Claims Management Companies

      claims These are companies who take a fee for getting your money back.
      Read about how they work, and what you should have been advised.
      Read here you might have a claim against them.

      Forum Actions:

      Forum Statistics:

      • Threads: 10
      • Posts: 43

      Last Post:

      Private

    7. Council Tax

      ctax

      Sub-Forums:

      1. Council Tax Bailiffs

      Forum Actions:

      Forum Statistics:

      • Threads: 7
      • Posts: 38

      Last Post:

      Private

    8. Credit Agreements

      Please use this section to discuss all issues relating to credit agreements and their enforceability.

      Forum Actions:

      Forum Statistics:

      • Threads: 807
      • Posts: 8,760

      Last Post:

      Private

    9. Credit Reference Agencies forum

      creditref Notices of correction, Information on defaults and CCJs, How to challenge defaults - what can and can't be done

      Forum Actions:

      Forum Statistics:

      • Threads: 52
      • Posts: 279

      Last Post:

      Private

    10. Debt Collection Agencies

      (2 Viewing)

      collection Having problems with debt collectors? Post here for support and advice.

      Sub-Forums:

      1. 1st Credit,
      2. Allied International Credit,
      3. Cabot Financial,
      4. CapQuest,
      5. Frederickson International,
      6. Hillesden Securities T/A Direct Legal & Collections,
      7. Intrum Justitia,
      8. Lewis Debt Recovery,
      9. Lowell,
      10. Mackenzie Hall,
      11. Moorcroft,
      12. Robinson Way,
      13. ScotCall,
      14. Blair, Oliver & Scott,
      15. Aktiv Kapital,
      16. Link Financial,
      17. Wescot,
      18. Other DCA's

      Forum Actions:

      Forum Statistics:

      • Threads: 715
      • Posts: 10,918

      Last Post:

      Private

    11. eBay / PayPal

      Ebay

      Forum Actions:

      Forum Statistics:

      • Threads: 61
      • Posts: 581

      Last Post:

      Private

    12. Holiday Companies

      holiday Having a problem with a holiday company?

      Forum Actions:

      Forum Statistics:

      • Threads: 32
      • Posts: 224

      Last Post:

      Private

    13. Insurance Companies

      (1 Viewing)

      insurance For discussion of all general insurance issues.

      Forum Actions:

      Forum Statistics:

      • Threads: 89
      • Posts: 582

      Last Post:

      Private

    14. Landlords & Tenants Forum

      Landlords Discuss experiences and problems as landlord or tenant.

      Forum Actions:

      Forum Statistics:

      • Threads: 334
      • Posts: 2,070

      Last Post:

      Private

    15. Mortgages & Endowments

      (1 Viewing)

      Mortgages Discussion on mortgages and endowments and any claims relating to them.

      Forum Actions:

      Forum Statistics:

      • Threads: 288
      • Posts: 2,011

      Last Post:

      Private

    16. Telephone Companies

      Telephone Covering both landlines and mobile phones.

      Forum Actions:

      Forum Statistics:

      • Threads: 248
      • Posts: 1,845

      Last Post:

      Private

    17. Utility Suppliers

      Utility Gas, electricity and water suppliers.

      Forum Actions:

      Forum Statistics:

      • Threads: 104
      • Posts: 597

      Last Post:

      Private

    18. Everthing Else

      For anything not covered in the other forums!

      Forum Actions:

      Forum Statistics:

      • Threads: 338
      • Posts: 2,522

      Last Post:

      Private
     

  11. Payment Protection Insurance -
    For any issues regarding PPI.

    Title
     
     
    Last Post

    1. PPI General Disscusion

      ppi

      Forum Actions:

      Forum Statistics:

      • Threads: 130
      • Posts: 659

      Last Post:

      Private

    2. Understanding PPI Calculations

      Forum Actions:

      Forum Statistics:

      • Threads: 1
      • Posts: 2

      Last Post:

      Private

    3. Private PPI subforum

      PRIVATE FORUM

      Forum Actions:

      Forum Statistics:

      • Threads: 4
      • Posts: 112

      Last Post:

      Private

    4. Credit Card Related PPI Claims

      Forum Actions:

      Forum Statistics:

      • Threads: 111
      • Posts: 1,057

      Last Post:

      Private

    5. Loan Related PPI Claims

      Forum Actions:

      Forum Statistics:

      • Threads: 186
      • Posts: 1,984

      Last Post:

      Private
     

  12. Harassment And Repossession -
    Has any bank either HARASSED you or REPOSESSED any property from you because of Penalty Charges ??

    Title
     
     
    Last Post

    1. Harassment Guide

      bully Guides.

      Forum Actions:

      Forum Statistics:

      • Threads: 1
      • Posts: 4

      Last Post:

    2. Harassment

      (1 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 41
      • Posts: 354

      Last Post:

    3. Repossession

      (1 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 35
      • Posts: 275

      Last Post:

     

  13. Banks: England & Wales -
    All Claims in the England & Wales for Banks,Credit Card and Store Cards

    Title
     
     
    Last Post

    1. England & Wales: Banks & Building Societys

      (31 Viewing)

      bankYour stories, whether they are good or bad, we hope you will find helpful advice and share your experiences with others who have faced unfair Bank charges.

      Sub-Forums:

      1. Abbey National plc,
      2. Alliance & Leicester plc,
      3. Barclays Bank Plc,
      4. First Direct,
      5. Halifax,
      6. HSBC Bank plc,
      7. Lloyds TSB Bank plc,
      8. MBNA Europe Bank Ltd,
      9. Nationwide Building Society,
      10. NatWest,
      11. Norwich & Peterborough Building Society,
      12. The Co-operative Bank,
      13. The Coventry Building Society,
      14. The Royal Bank of Scotland,
      15. Woolwich,
      16. Yorkshire Bank,
      17. Any Other Banks

      Forum Actions:

      Forum Statistics:

      • Threads: 13,721
      • Posts: 139,808

      Last Post:

    2. Benefits Section

      If you are on benefits and the banks have taken these from you disscuss here

      Forum Actions:

      Forum Statistics:

      • Threads: 61
      • Posts: 247

      Last Post:

      Private

    3. Business Claims

      Forum Actions:

      Forum Statistics:

      • Threads: 242
      • Posts: 2,148

      Last Post:

      Private

    4. Credit Cards Claims

      (1 Viewing)

      CardYour stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others who have faced unfair Credit Card charges

      Sub-Forums:

      1. American Express,
      2. Barclay Card,
      3. Capital One,
      4. Citicard,
      5. EGG,
      6. Halifax Credit Card,
      7. HFC,
      8. HSBC Credit Card,
      9. Lloyds Credit Card,
      10. Marbles,
      11. MBNA,
      12. Mint,
      13. Monument,
      14. Morgan Stanley,
      15. Nationwide Credit Card,
      16. Natwest Credit Card,
      17. Royal Bank of Scotland Credit Card,
      18. Vanquis Credit Card,
      19. Virgin Money,
      20. Other Credit Cards

      Forum Actions:

      Forum Statistics:

      • Threads: 2,939
      • Posts: 31,750

      Last Post:

      Private

    5. Loan companies

      (1 Viewing)

      loan<Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others

      Sub-Forums:

      1. Barclay - First Plus,
      2. Black Horse,
      3. GE Money / Igroup,
      4. Student Loans,
      5. Welcome Finance

      Forum Actions:

      Forum Statistics:

      • Threads: 698
      • Posts: 6,058

      Last Post:

      Private

    6. Pay Day Loan companies

      payday<Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others

      Sub-Forums:

      1. Cash Genie,
      2. Mr Lender,
      3. Payday UK,
      4. Poundstillpayday,
      5. QuickQuid,
      6. Swift Money,
      7. Uncle Buck,
      8. Wonga

      Forum Actions:

      Forum Statistics:

      • Threads: 59
      • Posts: 1,041

      Last Post:

      Private

    7. Store Card Claims

      store<Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others who have faced unfair Store Card charges

      Sub-Forums:

      1. Argos,
      2. Comet’s,
      3. Debenhams,
      4. House of Fraser,
      5. Monsoon and Arcadia Group,
      6. Next Directory,
      7. Selfridges and Warehouse,
      8. Tesco,
      9. Toys Я Us

      Forum Actions:

      Forum Statistics:

      • Threads: 188
      • Posts: 1,346

      Last Post:

      Private
     

  14. Banks: Northern Ireland -
    All Claims in the Northern Ireland for Banks,Credit Card and Store Cards

    Title
     
     
    Last Post

    1. NI: Guide & Library

      Sub-Forums:

      1. NI: Guide,
      2. NI: Going To Court,
      3. NI: Known Court Cases

      Forum Actions:

      Forum Statistics:

      • Threads: 16
      • Posts: 123

      Last Post:

    2. NI: Bank Section

      (29 Viewing)

      Sub-Forums:

      1. NI: Allied Irish Bank,
      2. NI: Bank of Ireland,
      3. NI: First Trust Bank,
      4. NI: Northern Bank,
      5. NI: Ulster Bank,
      6. NI: Mainland Banks

      Forum Actions:

      Forum Statistics:

      • Threads: 299
      • Posts: 5,189

      Last Post:

    3. NI: Credit Cards

      (15 Viewing)

      Your stories, whether they are good or bad, we hope you will find helpful advice and share your experiences with others who have faced, unfair bank charges.

      Forum Actions:

      Forum Statistics:

      • Threads: 44
      • Posts: 421

      Last Post:

     

  15. Banks: Scotland -
    All Claims in Scotland for Banks,Credit Card and Store Cards

    Title
     
     
    Last Post

    1. Scottish News

      (18 Viewing)

      Sub-Forums:

      1. Scottish Guide,
      2. Scottish FAQ Section,
      3. Scottish Bank Section,
      4. Scottish Clydesdale Bank,
      5. Scottish HBOS Bank,
      6. Scottish RBS Bank,
      7. Scottish TSB Bank,
      8. Scottish Other Banks

      Forum Actions:

      Forum Statistics:

      • Threads: 1,288
      • Posts: 17,053

      Last Post:

    2. Scottish Credit Card Section

      (4 Viewing)

      Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others who have faced unfair Credit Card charges.

      Sub-Forums:

      1. Scottish Alliance and Leicester Cards,
      2. Scottish Barclycard,
      3. Scottish Capital One,
      4. Scottish Citicard,
      5. Other Scottish Cards

      Forum Actions:

      Forum Statistics:

      • Threads: 190
      • Posts: 2,058

      Last Post:

    3. Scottish Store Card Claims

      Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others who have faced unfair Store Card charges

      Forum Actions:

      Forum Statistics:

      • Threads: 28
      • Posts: 263

      Last Post:

    4. Scottish Loan Companies

      (11 Viewing)

      Your stories, whether they are good or bad, we hope you will find helpful advice, and share your experiences with others

      Forum Actions:

      Forum Statistics:

      • Threads: 78
      • Posts: 571

      Last Post:

    5. Scottish Business Claims

      (1 Viewing)

      Forum Actions:

      Forum Statistics:

      • Threads: 30
      • Posts: 342

      Last Post:

     

  16. EU Law -
    Application Of Community Law

    Title
     
     
    Last Post

    1. EU Law

      The Application of Community law

      Forum Actions:

      Forum Statistics:

      • Threads: 7
      • Posts: 38

      Last Post:

     

  17. Other Helpful Organisations & Sites -
    Links to other Organisations & sites that can offer help. Please contact any Admin if you want to add an entry.

    Title
     
     
    Last Post

    1. Other Helpful Organisations & Web Sites

      Links to other Organisations & sites that can offer help. Please contact any Admin if you want to add an entry.

      Forum Actions:

      Forum Statistics:

      • Threads: 10
      • Posts: 11

      Last Post:

     
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CONSUMERS' FORUM (formerly The Penalty Charges Forum) StatisticsCONSUMERS' FORUM (formerly The Penalty Charges Forum) Statistics

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Posts
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Members
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