Consumer Action Group
Encyclopedia
The Consumer Action Group (CAG) is a UK organisation that campaigns for customer rights, particularly for the recovery of unfair charges imposed by UK banks on their customers.
It was founded by Dave Smith and Marc Gander and was the first organisation of its kind to campaign for effective regulation of the UK retail banking sector while assisting many thousands of ordinary people to successfully challenge their banks for the return of unlawfully imposed penalty charges.
. The administrator of BCH turned down the offer, and as a result Dave Smith and Marc Gander formed the Bank Action Group
forum. The name was later changed to The Consumer Action Group.
CAG has been featured on television and in national newspapers a number of times, including an appearance on ITV
's Tonight with Trevor McDonald
, and also appears in other areas of the press.
This is to demonstrate that the initial founding reason—i.e. the bank charges
issue in the UK—is not the only area that the group wishes to involve itself in.
, inspired by Wikipedia, with over 400 articles. It has been likened to a 'Rosetta Stone
' of consumer law—in other words, a bridge between the legalese usually in use by the legal profession and the layman.
Also in existence is a debt-help forum, a consumer issues forum, and a bank charge forum.
) or can download and utilise a variety of spreadsheets (in Microsoft Excel
or Open Office
format).
Many of the standard letters that are available on the site can be created automatically, simply by a member completing a small form with basic information.
A 'buddy system' exists in which a member can enter their postcode and a list of results will show like-minded people within a certain radius who are prepared to go to court with that member in the event of a court case, for moral support.
There also exists within the Consumer Forums a highly successful and striving sub-section named the Debt Action Group. The prime aim of this sub-section is to give help and advice. This sub-section has been extremely successful in defending actions by creditors.
The Debt Action Group also strives to ensure that collection activities by debt collection agencies comply with UK Statute Law and the Office of Fair Trading Debt Collection Guidelines.
No charge is made for the use of these tools.
Individual members have been very successful in retrieving monies taken from them unfairly by using information on the site.
To protect members' personal information, the site's parent company is registered with, and complies with, the Data Protection Act.
Other funding comes from the sale of relevant legal books offered at a discount to members.
Occasionally, when larger sums of money, such as a fund to aid in the fighting of a case against 'unfair' bank charges, are needed, Martin Lewis
's Money Saving Expert site contributes as well.
Threads: 285,789
Posts: 3,445,226
Registered members: 301,640
The Consumer Action Group membership rises daily. At peak times, such as after national TV exposure new members increase significantly.
As has recently been announced on the Consumer Action Group web site, co-founder Marc Gander now provides more consumer advise via the talk show on Radio Tatras International called PostCard From Poprad. Links to the show can be found here or here.
It was founded by Dave Smith and Marc Gander and was the first organisation of its kind to campaign for effective regulation of the UK retail banking sector while assisting many thousands of ordinary people to successfully challenge their banks for the return of unlawfully imposed penalty charges.
History
The two founders of the Consumer Action Group met in a Yahoo forum called Bank Charges Hell (BCH), which boasted over 200 members. It became apparent that this method of communication for a national campaign (BCH concentrated on people having their money returned to them) was not viable, and the administrator of BCH was contacted with ideas of a discussion forum as a platform to launch a national campaign against unlawful bank chargesBank Charges
The term bank charge covers all charges and fees made by a bank to their customers. In common parlance, the term often relates to charges in respect of personal current accounts or checking account...
. The administrator of BCH turned down the offer, and as a result Dave Smith and Marc Gander formed the Bank Action Group
Bank Action Group
The UK default charges controversy is an on-going issue in consumer law, relating to the level of fees charged by banks and credit card companies for late or dishonoured payments, exceeding credit limits, etc.-Legal background:...
forum. The name was later changed to The Consumer Action Group.
CAG has been featured on television and in national newspapers a number of times, including an appearance on ITV
ITV
ITV is the major commercial public service TV network in the United Kingdom. Launched in 1955 under the auspices of the Independent Television Authority to provide competition to the BBC, it is also the oldest commercial network in the UK...
's Tonight with Trevor McDonald
Tonight (TV series)
Tonight is a British television newsmagazine, produced by ITV Studios and ITN for the ITV network. Since 1999, Tonight replaced the long-running investigative series World in Action...
, and also appears in other areas of the press.
Name change
As the site has expanded and moved into other areas, its overall name has changed to 'The Consumer Forums'.This is to demonstrate that the initial founding reason—i.e. the bank charges
Bank Charges
The term bank charge covers all charges and fees made by a bank to their customers. In common parlance, the term often relates to charges in respect of personal current accounts or checking account...
issue in the UK—is not the only area that the group wishes to involve itself in.
The website
The Consumer Forum site http://www.consumeractiongroup.co.uk/ now consists of a wikiWiki
A wiki is a website that allows the creation and editing of any number of interlinked web pages via a web browser using a simplified markup language or a WYSIWYG text editor. Wikis are typically powered by wiki software and are often used collaboratively by multiple users. Examples include...
, inspired by Wikipedia, with over 400 articles. It has been likened to a 'Rosetta Stone
Rosetta Stone
The Rosetta Stone is an ancient Egyptian granodiorite stele inscribed with a decree issued at Memphis in 196 BC on behalf of King Ptolemy V. The decree appears in three scripts: the upper text is Ancient Egyptian hieroglyphs, the middle portion Demotic script, and the lowest Ancient Greek...
' of consumer law—in other words, a bridge between the legalese usually in use by the legal profession and the layman.
Also in existence is a debt-help forum, a consumer issues forum, and a bank charge forum.
Member tools
Members can calculate interest on any court (money) claims by using their on-line calculator (written in javascriptJavaScript
JavaScript is a prototype-based scripting language that is dynamic, weakly typed and has first-class functions. It is a multi-paradigm language, supporting object-oriented, imperative, and functional programming styles....
) or can download and utilise a variety of spreadsheets (in Microsoft Excel
Microsoft Excel
Microsoft Excel is a proprietary commercial spreadsheet application written and distributed by Microsoft for Microsoft Windows and Mac OS X. It features calculation, graphing tools, pivot tables, and a macro programming language called Visual Basic for Applications...
or Open Office
Open office
Open office may refer to:* OpenOffice.org, a free and open source suite of office productivity programs .* OpenOffice.org XML, a deprecated international file format used by earlier versions of OpenOffice.org....
format).
Many of the standard letters that are available on the site can be created automatically, simply by a member completing a small form with basic information.
A 'buddy system' exists in which a member can enter their postcode and a list of results will show like-minded people within a certain radius who are prepared to go to court with that member in the event of a court case, for moral support.
There also exists within the Consumer Forums a highly successful and striving sub-section named the Debt Action Group. The prime aim of this sub-section is to give help and advice. This sub-section has been extremely successful in defending actions by creditors.
The Debt Action Group also strives to ensure that collection activities by debt collection agencies comply with UK Statute Law and the Office of Fair Trading Debt Collection Guidelines.
No charge is made for the use of these tools.
Site ethics
The site does not to tolerate any form of potentially libelous postings and errs on the side of caution, as 'to even defend such an action from a large corporation would probably end in the site's demise'.Individual members have been very successful in retrieving monies taken from them unfairly by using information on the site.
To protect members' personal information, the site's parent company is registered with, and complies with, the Data Protection Act.
Funding
The Consumer Action Group is funded primarily by donations from members.Other funding comes from the sale of relevant legal books offered at a discount to members.
Occasionally, when larger sums of money, such as a fund to aid in the fighting of a case against 'unfair' bank charges, are needed, Martin Lewis
Martin Lewis (financial journalist)
Martin Steven Lewis is journalist, television presenter, website entrepreneur and author in the United Kingdom, who specialises in ways to save money...
's Money Saving Expert site contributes as well.
Popularity
The Consumer Forums Statistics Oct 29th 2011;Threads: 285,789
Posts: 3,445,226
Registered members: 301,640
The Consumer Action Group membership rises daily. At peak times, such as after national TV exposure new members increase significantly.
Public Comment
The Consumer Action Group is frequently asked to comment publicly on UK consumer issues. Spokespersons from the Consumer Action Group are asked to contribute to news articles in UK national newspapers and indeed feature in major UK news publications.As has recently been announced on the Consumer Action Group web site, co-founder Marc Gander now provides more consumer advise via the talk show on Radio Tatras International called PostCard From Poprad. Links to the show can be found here or here.