GLOMAS

Gloucestershire Money Advice Service

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Consumer information

Association of Payment Clearing Services
www.apacs.org.uk 
Apacs is the main payment network for banks and building societies. Contains very helpful information explaining the operation of payment methods such as cheques, direct debits, CHAPS and plastic cards. Contains a number of guides and publications which can be downloaded.

Bacs
www.bacs.co.uk
The website for the Banks Automated Clearing System, this includes details of the Direct Debit Guarantee Scheme.

Bank of England
www.bankofengland.co.uk
The site includes a useful data section including spreadsheets of historic base rates of the main clearing banks.

Financial Services Consumer Panel
www.fs-cp.org.uk 
This is the watchdog that keeps the FSA in check. The site includes policy statements and-research concerning financial and banking matters.

National Consumer Council
www.ncc.org.uk
Site of the consumer policy and research organisation.

Personal Finance Research Centre
www.pfrc.bris.ac.uk 
Contains information on research undertaken on debt and poverty issues.

Trading Standards Central
www.tradingstandards.gov.uk
Contains general information about consumer rights and provides a search facility by location to find contact details of a local trading standards department

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