About

The Consumer forum ( formaly Penaltycharges) now offers FREE advice and information covering a very wide variety of different legal problems. We have step-by-step guides, template letter and copies of the legislation all ready for you to use, and the best part it’s all FREE.

It is our aim is to make you aware of your rights as a consumer, enabling you to fight back, against large corporations/local authorities that abuse their position. On the website's forum you will find a large selection of different categories that we offer advice on. Here is a very short example of some of those: Credit Agreements, Debt Collection Agencies, Holiday Companies, Bailiffs, Landlords & Tenants, Payment Protection Insurance, Traffic Offences, Utility Suppliers, Harassment, and of course both Bank Charges and Credit Card charges.