Hi, hopefully the forum team will make this post a stickie Firstly let me introduce myself, I am a serving soldier (18 years service) I am also a member of the Consumeractiongroup. My user name user name on CAG Livelylad. The first and most important thing is that www.consumeractiongroup.co.uk is FREE to use there are no charges whatsoever registration and access to all the template letters and information is FREE. The major issue we are dealing with at the moment is unlawful penalty charges that banks levy against customers. I am fully aware of how soldiers deal with their finances and how difficult it can be for Pads to make ends meet. To much month at the end of the money. I myself have reclaimed over £3000 in unlawful bank charges. I wont go into great details except to say that you can reclaim these charges. The site provides all the templates for every stage of you claim. I urge anyone with any consumer issues to visit WWW.CONSUMERACTIONGROUP.CO.UK You may have heard about our recent victory in Hull, this shows our commitment to our members. Please check out the site, you will be surprised at knowing exactly what your consumer rights are.